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 | Feb 24, 2025 | First-Time Homebuyer, Getting a Mortgage
Debunking the Down Payment Dilemma You’ve saved, you’ve dreamed, and now you’re ready to buy a home. But wait—someone just told you that you need to cough up a 20% down payment before you even think about stepping foot into an open house. Cue the panic. We’re here to... 
by Scott Gentry | Jan 7, 2025 | Getting a Mortgage
Introduction Your mortgage rate is like the anchor of your home-buying budget—it holds everything in place. Even a small change can mean saving or spending thousands of dollars over the life of your loan. But what goes into determining that rate? Let’s explore the... 
by Scott Gentry | Nov 24, 2024 | HELOC
Alright folks, let’s talk about something that sounds way fancier than it actually is: Home Equity Lines of Credit, or HELOCs for those in the know (and those who like acronyms). Think of it like this: you’ve been diligently paying your mortgage, building... 
by Scott Gentry | Nov 22, 2024 | First-Time Homebuyer, Getting Started
The Great Homebuying Dilemma With mortgage rates flirting with 7% as we close out 2024, aspiring homeowners face a pivotal question: Should I buy now, or wait? While the answer depends on individual circumstances, understanding the current market dynamics and...