How to Think Like an Investor - Even if You’re Purchasing Your First Home (Part 1)
If you own a home, you are a real estate investor. If you aspire to own a home, you will become an investor, so it will be helpful to start thinking like one. Real Estate is the most accessible path to financial freedom available to most Americans. The ability to build and access wealth over time through a home (or portfolio) is unmatched by any other asset class. There are ways to structure your purchase, financing, and ownership of a home or portfolio to best utilize these advantages. The most important element to consider when building wealth through real estate is time
All Housing Is Affordable Housing
As a mortgage lender (and investor) in Lane County, I am on the front lines daily in the field of housing affordability. While it is a multifaceted issue, there are some basic economics at play that seem to get lost in the conversation. I put together some thoughts on this topic in order to help give everyone a good base understanding of the problem and (hopefully) some commonsense ideas on how to approach solutions. Here is the first in a series.
What Goes Into a Mortgage Rate?
What makes a mortgage rate? What you read on the news are typically the median rate available for the median buyer, but not everyone gets the same rate, why? Let's look at how the sausage gets made
Back That Tax Up
Today’s blog is all about our favorite Springtime tradition: digging through dusty folders (digital or analog) to find old receipts and guessing how much we owe in taxes. As one of the best home loan lenders in the area, I’ve dug through my share of tax returns and have seen the gamut of organization and reporting abilities. Here is a (hopefully) informative set of tips to help you think about your partner Uncle Sam.