Housing Market
Kevin Warsh's first Fed conference and what it means for housing
No rate cuts in 2026, a new mental model for mortgage rates, and why the market is healthier than the headlines suggest.
The Blog
Honest takes on buying, borrowing, and building wealth — no jargon, no fluff, no sales pitch.
The 20% rule is the most expensive myth in homebuying. Here's what actually drives your down payment, and how to know what's right for you.
Read articleHousing Market
No rate cuts in 2026, a new mental model for mortgage rates, and why the market is healthier than the headlines suggest.
Credit
Lower your utilization, become an authorized user, and more — plus a "do not" list that protects your progress.
Credit
FHA, conventional, VA, non-QM — the real minimums by loan type, and why the number alone isn't the whole story.
Buying Basics
Closing costs, escrow, inspections — budget for these before you fall in love.
Investing
A rental is a small business, not passive income. Here's the full math on a $200K example — before you sign anything.
Refinancing
Rate drops aren't the whole story — the term reset, closing costs, and when a cash-out actually pays off.
Buying Basics
They sound the same — but the app score and unverified debts behind a pre-qual can cost you a house.
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