Is Buying a Smaller House a Good Idea?
What if you are forced to buy a smaller house because of higher rates... Key consideration: Appreciation (offsets cost of ownership...
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2 min read
Is Interest the Price of Time?
Just a thought - but in our course we say that if: 'time is money' then 'time management is money management'. Me I was reading...
1 min read
Chart Storm Hero - July 2023 - Be a Mortgage Advisor
My favorite charts from this past month and the stories they tell us about what's going on in financial (real estate, lending and...
2 min read
Housing Values Keep Going Up
Black Knight August 2023 Mortgage Monitor Report Highlights - Home prices are at record highs, both nationally and locally. - The lack...
3 min read
More Credit Card Debt Than Savings?
The Rising Trend of Credit Card Debt Among US Adults A recent study conducted by Bankrate has highlighted an alarming trend in the...
1 min read
July 2023 - What's Happening in Real Estate and Lending
What's happening in the real estate, lending and wealth creation landscape. Each month I'll highlight what I find interesting, and why in...
4 min read
HEY Mom... Where Does Debt Come From?
When we talk about debt pulling spending power forward, it means that people can buy things even if they don't have enough money saved...
2 min read
Understanding Nominal Versus Real Property Value Growth
Nominal growth and real growth are two concepts used to measure the increase in real estate values over time. They represent different...
1 min read
Homebuilders - A Thought Experiment (ITB)
I wonder if home builders are a good investment here, or did they front run all this building that they are doing and the recession takes...
3 min read
Yield Curves that Invert in the Night
What's an inverted yield curve and why should you care? Imagine you have a lemonade stand, and you sell lemonade to your friends....
1 min read
Cash and Liability Management
Now on YouTube. We've had people ask about this in the past - as a convenience we have posted as a playlist. This series from niofe.org...
1 min read
The Power of 5.31% and 20 Years
There are many 'hacks' we use when communicating powerful concepts to borrowers to help them understand compound interest, etc. An old...
1 min read
What Cycle are We In, and What Works Now?
This is a simple, but profound history of the typical cycles we go through with markets. The housing cycle tends to 'lead' which means...
1 min read
The Tale of Two Tellers
How banks make money, and how you can too! I wrote a short e-book based on some prior blog posts to talk about concerns I was having with...
1 min read
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...
3 min read
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...
6 min read
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...
5 min read
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...
3 min read
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...
2 min read
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...
3 min read
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...
2 min read
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...
4 min read
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...
3 min read
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...
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