🏡 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...
Why Giving Money for a Down Payment Makes Sense Helping a child or loved one buy their first home isn’t just generous — it’s smart. You may not realize it, but a down payment gift could generate an impressive 17%+ annual rate of return. That’s far better than most...
đź’ˇ What Is Mortgage Planning? Mortgage planning is more than just getting a home loan. It’s about making smart choices with your mortgage, debt, and cash flow that help you reach your financial goals. As a Certified Mortgage Planning Specialist, my job is to...
🧱 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...
