Freddie Mac just made an important change that could help more buyers qualify for a mortgage, allowing assets to be used for income. In the past, Freddie Mac’s asset-based qualifying rules were more restrictive. One of the biggest limitations was that certain assets could only be used when the borrower met an age requirement. That […]

Yesterday at the gym, one of my buddies was complaining about how slow business has been. And honestly, he isn’t wrong. Business is tough right now. But somewhere in the middle of our usual trash-talking, I told him: “You need the Mamba Mentality – not the Mama’s Boy Mentality.” It sounded funny at the time, […]

Last month, we warned that major changes were coming to condo financing. Those changes are now taking effect, and buyers, sellers, real estate agents, and HOA communities need to be prepared. As of July 1, 2026, Fannie Mae and Freddie Mac changed the rules for deductibles on condo master Insurance policies. Beginning August 3, 2026, […]

I do not mention zero-down home financing nearly enough. Many buyers can afford the monthly mortgage payment, but they struggle to save enough money for the down payment and closing costs. The good news is that several loan programs may allow a qualified buyer to purchase a home with no down payment from their own […]

I send an email like this once or twice a year, but it is important, so here we go again! I spoke with a client yesterday who was considering a home priced at approximately $1.65 million. Everything about the house looked great, but then we reviewed the complete monthly payment. The property had: Total property […]