the Borrow Smart BLOG

The Borrow Smart Chronicles

2 min read

How about a $6.79 Trillion Dollar Off Payment Coupon

Your mortgage is your largest expense (at least it is for 85% of US Citizens) and it is subsequently the largest debt for about that same...

30 Year -vs- Inflation - What's the next step?

2 min read

Housing and Lending

30 Year -vs- Inflation - What's the next step?

https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...

11 Reasons Articles Consolidated - Ebook

1 min read

Housing and Lending

11 Reasons Articles Consolidated - Ebook

After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...

1 min read

Housing and Lending

Interview with Dave Steinberg

Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version:

11 Reasons to Carry a Big Long Mortgage - Reason 11

3 min read

Housing and Lending

11 Reasons to Carry a Big Long Mortgage - Reason 11

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 10

6 min read

Housing and Lending

11 Reasons to Carry a Big Long Mortgage - Reason 10

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9

5 min read

Financial Literacy

11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 7

3 min read

Financial Literacy

11 Reasons to Carry a Big Long Mortgage - Reason 7

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 6

2 min read

Housing and Lending

11 Reasons to Carry a Big Long Mortgage - Reason 6

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 4 & 5

3 min read

Financial Literacy

11 Reasons to Carry a Big Long Mortgage - Reason 4 & 5

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 3

2 min read

Housing and Lending

11 Reasons to Carry a Big Long Mortgage - Reason 3

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 2

4 min read

Financial Literacy

11 Reasons to Carry a Big Long Mortgage - Reason 2

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 1

3 min read

Housing and Lending

11 Reasons to Carry a Big Long Mortgage - Reason 1

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

0 min read

Financial Literacy

Perception is Everything With Numbers

Is 2 Minutes a Good Read Time For This Blog?

2 min read

Financial Literacy

Is 2 Minutes a Good Read Time For This Blog?

It depends. What was the last number you can remember hearing? I taught a course years ago about the book 'Priceless' which was written...

1 min read

Investing for Wealth Creation

The 30 Year Time Frame

In my book - Borrow Smart Repay Smart I use the 30-year time frame for most examples. As as a liability advisor I knew most people would...

Simple Amortization - a Powerful Teaching Tool

1 min read

Financial Literacy

Simple Amortization - a Powerful Teaching Tool

When I first started out as a loan officer, my 'boss' had me to a 30 year amortization by hand. No excel, just a simple calculator and a...

Understanding Where the Loan Officers Fit In the Macro Universe

3 min read

Financial Literacy

Understanding Where the Loan Officers Fit In the Macro Universe

Ray Dalio is a jedi and understanding the macro (big picture) and how to apply to to the daily (practical engagement). If you aren't...

Give Clients Questions they should ask Mortgage Lenders

2 min read

Housing and Lending

Give Clients Questions they should ask Mortgage Lenders

As a follow up to our post on questions for financial advisors. We use a specific process of giving clients questions they should ask...

1 min read

Working With Advisors

Questions for Financial Advisors

We're working on a new podcast based on a simple format - we'll interview financial advisors to better understand their thoughts about...

2 min read

Working With Advisors

How Can You Add More Value to Advisors

Advisors are always looking for ways to add value to their clients - but how do you add more value to financial advisors? Here are 101...

1 min read

Financial Literacy

Consumers Under Stress

Experiment Playing around with a new format of communication. Sharing a few key slides and thoughts about them in a video format.

1 min read

Financial Literacy

It's Not About the Nail (Rate)!

One of my favorite short videos of all time. I've always wanted to do a parody of this called: 'It's not about the rate'. In the...

NAR - YUN Forecast is Very Positive for 2023-204

1 min read

Housing and Lending

NAR - YUN Forecast is Very Positive for 2023-204

I read a lot, and one of my favorite things to do is try to distill the key information down into smaller digestible bites. I also enjoy...

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The Borrow Smart Chronicles

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