Should You Wait for Rates to Drop Before You Buy?

“Should I just wait until rates come down?” I hear it from first-time buyers, move-up buyers, even friends at my son’s baseball games.” It’s a fair question. Nobody wants to lock in a payment and then watch rates fall a few months later. But most people only run half the math. They think about what…

You did something generous. You put your name on someone else’s loan so they could get a home. Maybe it was your kid, a parent, a sibling. Now you’re ready to buy your own place, and someone told you that loan will hold you back. A lot of people hear that and stop there. They…

Would you believe someone just bought a million-dollar home with about thirty thousand dollars down? Most people wouldn’t. Because most people are still doing the math on a number they picked up somewhere along the way and never questioned. If you think you need 20% down to buy a home in California, that belief…