Love Letters
A seller agrees to give you $10,000. Should you use it toward closing costs, lower your interest rate, or reduce the price of the home? The answer depends on what you need most. These options may sound similar, but they affect your money in different ways. Seller Credit A seller credit can pay certain buyer […]
I hear it all the time: “I want to buy, but I am waiting for interest rates to come down.” I understand. No one wants to feel like they paid more than they had to. Interest rates affect your monthly payment, your buying power, and the total cost of your mortgage. They matter. But waiting […]
There is a mistake I see buyers make all the time, and it usually begins with one innocent statement: “We are just going to look.” It sounds harmless because you may only plan to scroll through listings, attend an open house, or tour a property that caught your attention. Then you walk through the front […]
