Thinking about using your VA home loan—but wondering if putting down payment makes sense? This video, “Should I Put Money Down on a VA Loan?”, breaks it down clearly. 💡 Key insights: VA loans typically require no down payment—that’s one of their biggest advantages. But in certain situations, a down…
There’s something no one tells you about buying a home for the first time: It’s not supposed to feel easy right away. You’re learning a completely new language, navigating money moves you’ve never made before, and trying to make sense of advice from 12 different directions. So if you’ve found…
Ever feel like your mortgage process is stuck in slow motion? You’re uploading doc after doc, refreshing your inbox… and wondering what’s taking so long. Here’s the deal: It’s usually not just one thing—it’s the combo of tiny speed bumps: 📌 Missing docs (even one page slows things down) 📌…
After helping hundreds of clients through the mortgage process, you start to notice the same pain points pop up. Some are small oversights that delay the loan. Others? They can cost buyers real money—or even derail their approval entirely. Here are 8 things I personally avoid as a homeowner after…
What if you could use your VA home loan benefit to buy a duplex… live in one side… and have the other side pay most (or even all) of your mortgage? In this video, I break down exactly how service members and veterans can pull off this smart real estate…
When we were reviewing options, my client said: “We don’t have kids, so school districts don’t matter.” But here’s what I’ve seen over the years (and the data backs it up): 🏫 School districts always matter — whether or not you ever use them personally. Why? Because homes in high-performing…
Relocating to a new city comes with a special kind of chaos: new schools, new jobs, new “why are homes this expensive??” moments 😅 But let’s get something straight: → That pre-approval from your old job in another state? Probably won’t fly. → School district stress is real… but so…
Remember when we all thought buying a house meant saving up 20%? Same. But here’s the truth most people don’t hear until it’s almost too late: 👉 You don’t need to drain your life savings. 👉 You don’t need six figures in the bank. 👉 You don’t even need 5%…
“What should I be asking my lender?” That’s the exact question my client Jenna asked on our first call—she was excited but overwhelmed, and didn’t want to miss anything important. So I gave her this: 4 must-ask questions that every homebuyer should bring to the table 👇 1️⃣ What are…
If I had a dollar for every time someone asked me, “What’s the rate today?” …I’d be the one funding mortgages 😅
Ever catch yourself saying, “I don’t qualify to buy a home right now”? Here’s the truth: most people don’t start out perfectly qualified. But that doesn’t mean homeownership is off the table. Sometimes it’s credit. Sometimes it’s debt. Sometimes it’s savings or income that feels a little too… unpredictable. The…
We’ve all been there… That one Amazon order turned into five. A missed payment because life got hectic. Or thinking, “It’s just one card—I’ll pay it off later.” But those “little” habits? They can quietly sabotage your credit score—and your chances of getting approved for that home loan. 🏡 Thinking…
Let’s talk about downsizing—but make it feel like upgrading your life. 🏡 When my clients first bring up the idea of moving into a smaller home, it usually starts with a whisper like… “Do you think we really need all this space anymore?” What starts as a question turns into…
Wondering when to lock in your interest rate on a VA loan? In this video, we break down the best times to consider locking your rate, key market factors to watch, and how timing can impact your monthly payment. Whether you're just starting the VA loan process or heading toward…
Learn how to obtain a VA loan while waiting for your offer letter
I can’t tell you how many times I’ve seen this play out… Someone falls in love with a house, only to realize later—it’s way out of budget. The granite countertops? The huge backyard? The dreamy soaking tub? Yep… all just out of reach. Here’s how to actually protect yourself from…
Did you know VA buyers can have closing costs—but they can’t pay certain fees, and sellers can cover some or all of them with concessions? 🎯 Too many veterans miss out on homeownership because of myths and misinformation. ✅ Want to know exactly what’s allowed? ✅ Need strategies to reduce…
If you’re a veteran or active-duty service member trying to get approved for a VA home loan, residual income is key — and I’ve got 7 hacks to help you boost it FAST Want more tips like these? 📲 Download my FREE VA Loan Educator App — everything you need…
Did you know VA buyers can have closing costs—but they can’t pay certain fees, and sellers can cover some or all of them with concessions? 🎯 Too many veterans miss out on homeownership because of myths and misinformation. ✅ Want to know exactly what’s allowed? ✅ Need strategies to reduce…
Richard was very helpful and made the process of getting a loan stress free! He was always readily available. As first time home buyers, we knew nothing about loans and he helped educate us and answer any questions we had.
I can’t tell you how many times a client has said, “I didn’t even know I was supposed to ask that.” So let me help you out—because asking the right questions can save you serious money and stress when you’re buying a home. 👇 Here are 4 questions I always…
I love the moment I get to say: “You’re pre-approved!” But right after that, I always follow up with this 👇 “Don’t go buying a car. Or new furniture. Or booking that vacation just yet…” Because here’s what most people don’t realize: Your mortgage isn’t a done deal until closing.…
I’ll never forget the text I got from a client after she closed on her first home: “Why didn’t anyone tell me about the homestead exemption?! I’m literally leaving money on the table.” And that’s when I realized—most buyers don’t regret buying a home… They regret not knowing a few…
You’re about to buy a home and you’re thinking: “Should I offer $390K instead of $400K just to save a little?” But what if you flipped the strategy? What if you offered full price, but asked for something even smarter? Instead of offering $390K, offer $400K — but ask the…