🏡 What’s Changing? Buying a home just got easier — especially if your dream home has a bonus living space! The Federal Housing Administration (FHA) has updated its rules to help buyers like you. Now, you can use rental income from an Accessory Dwelling Unit (ADU) to...
Buying a home is exciting, but it’s also one of the biggest financial decisions you’ll ever make. If you’re not careful, it’s easy to fall into costly traps. These common mistakes can delay your dreams—or worse, turn them into financial nightmares. As a Certified...
📊 Why Payment History Is So Important Your credit score tells lenders how trustworthy you are with money. Out of all the things that impact your score, payment history is the biggest piece — a full 35%! That means even just one late payment can lower your score,...
🧱 1. Underestimating “Carry Costs” When buying a property, most investors focus only on the purchase price and possible resale value. But the real costs of ownership stack up fast. These are called “carry costs”—things like mortgage payments, taxes, utilities,...
A Strategic Look at the Delayed Financing Exception By Brian Hunton, Certified Mortgage Planning Specialist (CMPS®) đź’ˇ Why Pay Cash Upfront? In today’s competitive market, cash buyers often win. Sellers love cash because it’s fast, clean, and low-risk. But what...
