Notes on mortgages, rates, and the home-buying process — written in plain English.
Article
September 8, 2026
The down payment is the number that stops most first-time buyers. Arizona has real help available, but the programs are run by different agencies with different maps.
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September 8, 2026
The two words get used interchangeably. In a competitive offer situation, only one of them means anything to the listing agent.
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September 8, 2026
Self-employed borrowers are not harder to approve. They are harder to read. Once you know how a lender calculates your income, the process stops being a mystery.
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November 6, 2025
Conventional wisdom says wait until spring. The numbers tell a more interesting story.
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