Freddie Mac reports in their Primary Mortgage Market Survey that 99% of all locked mortgage rates are below current rates, you can see...

Am I the one who is changing, or do I find myself watching others change? Change is hard, and one of my favorite definitions of a...

As house prices go up... Down payments go up. When house prices go up, more Realtors enter the market... this will likely shift if house...

Equity rich is defined as having over 50% equity in the value of your house. If you own a $400,000 house and you have over $200,000 of...

At https://www.niofe.org/calculators we are adding back all our old calculators. About 9 years ago we received a $10,000 per month...

Created withDALL·E, an AI system by OpenAI I heard George speak at an Ameriprise conference years ago. His approach, is to dig into the...

When you look to make an impact financially - you go where the money is. Willie Sutton was famously asked 'Why do you rob banks?' Then...

Hopefully, if you are reading my blog, https://www.borrowsmartuniversity.com/single-post/information-arbitrage-the-heart-of-most-decision...

After talking to Dave Savage about financial literacy, I realize I hadn't looked into the recent research in some time, and there is a...

With a network of loan officers spanning 7 states, I as the CEO was keenly focused on their success and performance. We had a pacesetter...

Please study the photo carefully: "The picture posted here has 2 identical dolphins in it. It was used in a case study on stress levels...

The average monthly mortgage payment is us 62.2% from a year ago, per Zillow... driven by higher mortgage rates and higher house prices....

I haven't posted much here about why I write, and I haven't promoted the CLA™ course in the Blog, but I wanted to share a few thoughts...

I had a 2003 Suburban, loved it but we'd replaced it with a newer one. The KBB value on the car was $3,500 and that's what the dealer...

It can be really difficult for renters to save for a down payment. If saving up to buy a house is your plan it may have some...

In Q3, 2019 and Q4, 2021 real estate was on top. It move around like all asset classes. Watch what happens - when real estate was on...

Consumers are using credit card debt to make up the difference between current earnings and the inflationary rise in spending on food,...

Are you better than you were a year ago? At something? Your house is... it took a masters class in wealth creation (or maybe it was...

NO, and then YES. NO, as you can see interest rates were raised in 1970 to about 8.5%, and inflation abated, rates dropped for a few...

Here's what I'm seeing daily: 1) Housing prices are not going down, they only go up. Because of x,y,z... 2) Housing prices are going...

I found an old drawing on my iPad when I was first playing around with my new apple pencil. It's simple but there is a lot you can draw...

Years ago working on a project for Ameriprise, we looked into the dynamics of equity creation from home ownership. Equity development...

in the mean time there is a lot going on out there that makes this an interesting time in our financial history - as a country, and for...

When you look at the overall strength of the borrow, their debt as a % of income is the lowest in measured history. Notice the peak in...