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I heard something on the On the Market podcast this week that I think every would-be homebuyer sitting on the sidelines should hear. JPMorgan recently announced plans to deploy more than $750 BILLION into housing and homeownership through 2035. Not $750 million. $750...
This week, someone asked me a question that I think a lot of people wonder about. "Does it really matter who I get my mortgage through?" It's a fair question. After all, if two lenders are offering the same type of loan, it seems like the experience should be pretty...
One of the most common things I hear from first-time buyers in Sonoma County is some version of this: "I just don't have enough saved for a down payment." I understand why it feels that way. When you're looking at homes priced anywhere from $600,000 to $850,000 in our...
This week, I had two conversations that really stuck with me. The first person told me, "We're going to wait until rates come down." The second said, "We're actually thinking about buying now because there aren't as many buyers competing." Two people. The same market....
If you've ever Googled "what credit score do I need to buy a house," you've probably come across a range of numbers that don't quite line up with each other. Some sites say 620. Some say 740. Some say it depends. They're all kind of right, which is exactly why it's...
The moment a seller accepts your offer is one of the best feelings in the homebuying process. You've done the hard work. You found the house. You made it happen. And then someone says, "Great — now we just have to get through escrow," and the excitement gets a little...
One of the first things people instinctively do when they decide to buy a home or refinance is call their local bank or credit union. It feels like the obvious choice. After all, you’ve had your checking account there for years, maybe your auto loan, your savings...
Lately I’ve been having a lot of conversations with homeowners who feel like they’re doing everything right but still aren’t getting ahead financially. The reality is that the cost of living has increased dramatically over the last several years. Groceries, insurance,...
One of the most common situations I see isn’t actually denial. It’s people never applying at all. I recently talked with someone who had been renting for years because they assumed buying wasn’t realistic for them yet. They had: some older credit issues student loans...
I recently spoke with a couple who had already accepted they’d need to wait another year before buying. The bank told them they were close — but not quite approved. So they assumed: “Okay… maybe next year.” The issue wasn’t their income. It wasn’t their credit. It...