Buying a home is one of the biggest financial moves you’ll ever make. And if you’re planning to buy in 2025, setting up the right financial accounts now can make all the difference between a smooth homebuying experience and unnecessary stress. As a mortgage broker, I’ve helped countless

If you’ve been holding off on buying a home because of high down payments and private mortgage insurance (PMI) costs, 2025 just delivered some game-changing news. A brand-new rule now allows homebuyers to qualify for a mortgage with no PMI, just 1% down, and a credit score of 620 or higher—making homeownership more accessible than ever

One of the most common things I hear from potential homebuyers — especially first-time buyers is: “I’d love to buy a home, but I don’t have a down payment.” Totally understandable. Saving up tens of thousands of dollars while also dealing with rising rent, everyday bills, and just… life, isn’t exactly easy. So, the big

When it comes to mortgages, most people focus on the obvious questions: “What’s my interest rate?” “What’s my monthly payment?” “Is this the right time to buy?” And while those are definitely important… there’s one question that often gets overlooked — and yet, it could literally save you years of payments and thousands of dollars

Let’s get one thing straight: just because you don’t have a traditional 9-to-5 job with a W-2 doesn’t mean homeownership is out of reach. That outdated idea? Toss it out. In today’s world, the workforce is shifting. More people are building businesses, freelancing, creating content, driving rideshare, and working gigs on their own terms. You’re

You’ve found the home you love. The list price? $400,000. You’re ready to make an offer, and naturally, you’re wondering if you should come in a little under asking — maybe $390K — to save some cash. It feels like the smart move, right? But what if I told you there’s a strategy that could

Let me take you back to when I bought my very first rental property. I was excited, motivated… and completely overwhelmed. Zillow felt like a black hole. Facebook Marketplace was giving sketchy Craigslist vibes. And every time I thought I found a good deal, I wasn’t even sure what “good” meant. I didn’t know which

We’ve all heard it, said it, felt it: “My rent went up again this year.” It’s frustrating, right? You’re not doing anything differently, yet your monthly bill keeps climbing. And if you’re like a lot of my friends (and maybe you, too), you’ve probably had that moment where you think, “At this rate, I could

  Let’s have a little heart-to-heart about homebuying advice—specifically, the kind that might come from your dad, your uncle, or that one coworker who bought a house in 1993 and hasn’t stopped talking about it since. They mean well. But today’s market isn’t the one they bought into. Prices are different. Loan programs have evolved.

Introduction Embarking on the journey to homeownership is both exciting and overwhelming. One of the most common questions I hear is, “How much mortgage can I qualify for?” Understanding your borrowing capacity is crucial in setting realistic expectations and finding a home that fits your budget. This guide aims to demystify the mortgage qualification process,