Your Mortgage Is Not the Enemy: How to Use Debt as a Strategic Financial Tool
One of the biggest mistakes homeowners make is focusing only on the interest rate. Rates matter — but they’re only one piece of the puzzle. Things like liquidity, future plans, and how your cash could work elsewhere often get ignored.
Are Mortgage Points Worth It?
Paying mortgage points sounds smart—save money long-term, right? Not so fast. In this post, we break down why most homeowners lose money on discount points, what your lender won’t tell you, and what to do instead if you want a lower payment without the risk.
Why Mortgage Rates Remain High Despite Fed Rate Cuts and Lower Inflation
Confused why mortgage rates haven’t dropped yet? You’re not alone. This post breaks down in plain English what’s keeping them high, and what has to shift before they fall.