Straight talk on mortgages from a loan officer who's done it for 10+ years.
If you're buying a home with less than 20% down on a conventional loan, your lender is going to require private mortgage insurance — PMI. It shows up on your monthly statement, adds to your payment, and a lot of buyers don't fully understand what it is, why it exists, or how to get rid of it.
One of the most common questions first-time buyers ask is some version of: "How much money do I actually need?" Not just the down payment — but the full picture. Down payment, closing costs, prepaid items, reserves. All of it.
Buying a $700,000 home is where affordability starts becoming heavily dependent on structure rather than just income.
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Most buyers spend a lot of time thinking about the house they want to buy.
Rates have been moving again, and whenever that happens, the same question comes up.
When you’re negotiating on a house, most buyers focus on one thing: the price.
This is one of the most common questions buyers ask once they start thinking seriously about purchasing a home.
A lot of buyers are waiting right now. They’re waiting for rates to drop, waiting for the “right time,” or waiting for things to feel more stable before making a move. On the surface, that sounds smart. In reality, it’s not always working in their favor.
This is one of the most common questions buyers ask.
This is one of the first questions buyers ask.
Talk to Nate directly — no forms, no call centers, no runaround.