Transcript I want to walk you through how the math actually works between a 15 year and a 30 year mortgage, why most borrowers should take the 30 year, and the specific situations where the 15 year is actually the better call. The basic difference is the amortization period. Same loan amount, same property. The…
If you have been watching mortgage rates this spring, you already know the headline: rates have not moved much. The 30-year fixed has been hovering in the mid-6% range for weeks, and buyers who were hoping for a meaningful drop are still waiting. This week, there are two specific developments worth paying attention to, and…
When you are buying a home, there is a list of costs that show up at closing that most buyers have never heard of before they started the process. Title insurance is usually one of them. It shows up on the settlement statement, nobody really explained it during the homebuying conversation, and it costs real…
Something shifted in the Austin housing market this month, and it is worth paying attention to. After more than two years of softening prices, rising inventory, and sluggish buyer demand, new data from local market trackers is showing what analysts are calling the first genuine recovery signal since the 2022 correction began. It is early,…
When buyers in Austin, Dallas, and Houston sit down to figure out how much house they can afford, they tend to focus on the big three: principal, interest, and taxes. Maybe property insurance if they are being thorough. But HOA dues? Those often get left off the spreadsheet entirely until the buyer is already under…
As April 2026 closes out and we head into May, it is a good time to take stock of where the Austin housing market stands, what shifted over the past week, and what buyers and sellers should be thinking about heading into the heart of spring. Here is what the data and headlines are telling…
Read Video Transcript I want to walk you through conventional loans and when they actually make sense versus FHA, because the answer changed a few years ago and most people don’t even know it yet. A conventional loan is a loan that is not backed by the federal government. Conventional loans are purchased by Fannie…
If you’re thinking about buying a home in Austin, Texas, one of the first questions on your mind is probably: how much house can I actually afford? It’s the right question to ask, and the answer depends on more than just your income. Understanding how lenders evaluate your buying power can help you shop with…
If you’ve been watching Austin’s real estate market from the sidelines, wondering if the timing will ever make sense, the data coming out of late April 2026 is worth paying attention to. The city that saw home prices skyrocket more than 60% between 2020 and 2022 has spent the last few years cooling off, and…
If you’ve applied for a mortgage in the past few years, you’ve probably interacted with AI-powered tools without even realizing it: automated underwriting systems, fraud detection software, income verification engines, even the chatbot that answers questions on a lender’s website. Artificial intelligence has been quietly embedded in the mortgage process for a while. But in…