Non-QM loans are not Magic.  They are not the greatest loan ever, no matter how some lenders promote them. They are simply another tool, and when used correctly, they help get loans done that a regular lender often cannot do. DSCR loans are a great example. On many commercial loans, lenders want the rent to […]

As of July 1, 2026, one of the biggest condo lending changes officially took effect: Fannie Mae and Freddie Mac now limit the deductible for master Insurance policies to $50,000 per unit for required property Insurance coverage. That may sound like a small technical change, but it can have a major impact on condo buyers, sellers, real […]

I am always working on something. God blessed me with good ideas, a strong mind, a ridiculous work ethic, and the ability to make people feel comfortable. I love engaging with clients, agents, and everyone involved in the transaction. But if I had to pick my best quality, it is this: I care. I care […]

I spoke with a move-up buyer this morning who is in the exact position so many homeowners are in today. They own a home worth approximately $875,000. They owe about $350,000. Their current mortgage rate is 2.75%. Their payment is around $3,000 per month. That is a great situation. The problem? The wife wants to […]

I get a call at least once a week from an agent who either wants to sell me an investment property or asks if I have clients looking to buy one. Usually, the story is pretty similar. The seller owns a property with tenants in place, the lease still has time left, and the seller […]