Loan Some Dough

09/10/2026

Y'all real estate is wild.

I just cold-called a Realtor with a listing that's been sitting for over 30 days.

He asked, “Why are you calling me?”

Fair question.

I told him:

“We have some pretty awesome lender-paid incentives right now that might help buyers who are sitting on the fence.”

He hung up on me. 😂

Listen, I get it. Nobody wakes up hoping a mortgage lender cold calls them.

But if I had a listing that's been sitting for a minute and somebody called with a strategy that could potentially make the payment more attractive to buyers AND doesn't cost my sellers anything (especially after a $15K price drop)

I'd want to at least hear the pitch.

So, for the rest of you:
If you've got a listing that's been sitting and you're running out of ideas besides another price reduction, give me a shout!

We have lenders offering everything from lender paid buydowns, appraisal credits to a special that is 90bps off.*

*on a $400K loan that is $3600 in credit

Send a message to learn more

09/09/2026

A lower rate is always better… right?

Eh, I'd argue it's not.
Now when you actually dig into the numbers.

It really depends on what you've got to pay to get that rate.

I always want clients to know how long they have to be that home and in that LOAN to get their money back. i.e. your breakeven point.

Sometimes paying points to lower your rate makes perfect sense.

But if it takes years to break even and you sell, move, or refinance before then? That “better rate” may not have actually been the better deal.

Don’t just compare rates.

Compare the math.

Because as y'all know, the maths gotta math.

APR 7.191 % / 6.887%

09/03/2026

Just because you have the cash to pay for the house doesn’t mean you should…

I got a call from a financial advisor the other day because he and his client were having this exact conversation.

The client had the money to pay cash for the house.

So…should they?

After going over what the mortgage would cost, this advisor looked at what the money was doing now, what it could potentially earn, cash flow, liquidity, and a few other very nerdy things.

And after doing all the math?

It actually worked in the client’s favor to get a mortgage. 🤯

Does that mean financing is always better than paying cash?

Hell no.

Sometimes we run the numbers and paying cash IS the better move.

That’s kind of the point.

“I have enough money to pay cash” is what you CAN do.

That doesn't mean it's what you SHOULD.

09/02/2026

How can the same $1.8 million in assets be worth $5K a month OR $10K a month to a lender? 🤔

Same assets. Same borrower. Veryyyyy different mortgage qualification.

This might surprise you, but different programs have different rules around which assets qualify and how they’re calculated.

Wild, right?

Sometimes you don’t need more income.

Sometimes you just need someone who asks a ton of questions, looks beyond the obvious answer, and explores all the options for you.

09/01/2026

Your CPA did exactly what you hired them to do.

Then you applied for a mortgage and suddenly all those perfectly legitimate write-offs weren't looking quite so beautiful. 😂

That doesn't necessarily mean you can't afford the house.

And it definitely doesn't mean you should stop taking legitimate deductions just to make a mortgage underwriter happy.

It means we may need to look at your financial picture a little differently.

Self-employed income doesn't always fit neatly into the mortgage industry's favorite little boxes.

Good things we have options.

→ Send this to a business owner who has ever been personally victimized by their own tax return.

08/28/2026

I don’t know who needs to hear this, but buying the dream house and paying the mortgage for 30 years do not have to be a package deal.

This week’s Let’s Buy This House is 229 Bowers Rd. in Harriman.
5+ acres, ridiculous views, a killer shop, and the kind of place that makes you want to grab a cup of your favorite beverage and unwind after a day at the office.

For the right buyer with strong monthly cash flow, I’d absolutely want to compare a traditional Jumbo with a Wealth Builder strategy that could let them keep more money liquid while putting that cash flow to work against the house.

Is the only way? Absolutely not.

That’s why we run all the options

🏠 Want to see the house? has the listing.

💰 Want me to run the mortgage strategy on a house you’re looking at? Send me the listing.

Illustrative scenario only. Financing terms, eligibility and results vary. Not a promise to lend.

08/26/2026

Your money can’t be in two places at once.

Put an extra $50,000 into your house and yes you may save mortgage interest.

But you also give up whatever that $50,000 could have earned somewhere else.

That’s where the Rule of 72 comes in handy:

At a 6%* return → about 12 years to double.
At a 8%* return → about 9 years to double.

Does that mean you should always invest instead of paying down your mortgage? Absolutely not.

What it means is the generic “pay off the house faster” isn’t automatically good financial advice for YOU.

You have to do ALL the math or work with a mortgage pro who can talk to your financial advisor. 😉

*these are hypothetical returns.

08/24/2026

Dave's Disciples are going to come for me on this one...😂

But "pay cash" isn't always good financial advice.
Neither is "put down as much as possible."

There's nothing wrong with paying cash OR wanting to be debt-free.

But those decisions should definitely NOT happen in a vacuum.

Because once you put that cash into the house, getting it back isn’t as simple as waving a wand and saying, “But it’s my equity.”

You still have to qualify to borrow against it.

Sometimes paying cash absolutely IS the right move.
But wouldn't rather make that decision because we looked at the whole picture and it made sense not because debt = bad.

Financial freedom isn’t just about debt. It’s about options.

08/19/2026

A lot of folks tell me they don't want to pay PMI.
Which is the extra mortgage insurance you pay when you put less than 20% down.

I'll let you in on a little secret though.
Math doesn't care about what you *want*.
It just...Is.

In this video I break down two scenarios:
1. Putting 20% down & investing $600 a month
2. Putting 5% down & investing a lump sump

I'd love to know which route you'd go, drop a 1 or 2 in the comments.

08/17/2026

Y'all I know if we opened up a pre-approval drive thru it would be LIT🤣

But the reality is, if your loan officer isn't doing their job that pre-approval isn't worth the paper it's written on.

And it could cost you.

Like this one lady.

Someone "pre-approved" her.
She dropped over $2K on appraisals and inspections.
Only to find out she couldn't get the loan.

Which means that $2K she spent, the money she saved working overtime, might as well have been flushed down the drain.

Those of us out here doing our job want to make sure that isn't you.