I had a couple conversations earlier this week with clients who’ve had multiple mortgage lates in the past 12 months. That’s one of the hardest things to fix once it goes beyond a single 30-day late. Yesterday, I also spoke with an agent who told me a client I helped last year is now facing […]

I had a couple conversations earlier this week with clients who’ve had multiple mortgage lates in the past 12 months. That’s one of the hardest things to fix once it goes beyond a single 30-day late. Yesterday, I also spoke with an agent who told me a client I helped last year is now facing […]

When you’re going through a mortgage, one of the most common areas of confusion is how bank statements, seasoning, and gift funds are handled, especially when comparing Fannie Mae and Freddie Mac. The truth is, they are very similar… but the small differences can make a big impact on how smooth (or stressful) the process […]

The Truth About 0% Down Home Loans in 2026 Augusta 0 Down vs. CalHFA vs. Traditional Zero-Down Programs Many buyers believe they need 3%, 5%, or even 10% down to purchase a home… That’s simply not true. There are multiple ways to buy a home with zero down. But here’s what most people, and even some […]

I interviewed someone for a position on my team yesterday, and she asked a question every real estate agent should be asking: “What’s the best way to refer a client to you?” My answer was simple: “Give me their number and I’ll track them down… and if I don’t, I’ll die trying.” That’s been my […]