by Scott Gentry | Mar 11, 2025 | Getting a Mortgage, Mortgage Basics
For years, low mortgage rates made homeownership more affordable, allowing buyers to stretch their budgets and secure dream homes with relatively low monthly payments. But as interest rates climb, the homebuying equation changes. Higher rates impact affordability,... 
by Scott Gentry | Sep 16, 2024 | Adjustable Rate Mortgage
(Updated 11/30/24) Adjustable-Rate Mortgages (ARMs) often attract borrowers with their lower initial interest rates compared to fixed-rate loans. However, the “adjustable” aspect of these loans can lead to fluctuations in your interest rate—and ultimately... 
by Scott Gentry | Sep 11, 2024 | Adjustable Rate Mortgage
(Updated 11/29/24) When financing your home, deciding between a fixed-rate mortgage and an adjustable-rate mortgage (ARM) is a pivotal choice. Both options have unique structures, advantages, and risks that cater to different financial needs and goals. By... 
by Scott Gentry | Aug 22, 2024 | Jumbo Loan, Refinance
(Updated 11/29/24) Jumbo loans, often used to finance luxury or high-value properties, typically come with higher interest rates compared to conventional mortgages. However, with strategic planning and refinancing, you can significantly reduce these costs. Here’s a... 
by Scott Gentry | Aug 7, 2024 | First-Time Homebuyer
Meet Emma: The Millennial on a Mission Emma, a 28-year-old marketing professional, is tired of her tiny, overpriced apartment and is finally ready to take the plunge into homeownership. But wait, is this a fairy tale where everything goes smoothly, or is it full of...