by Scott Gentry | May 19, 2025 | First-Time Homebuyer, Getting a Mortgage
You’re almost at the finish line of buying a home, when your lender says, “Don’t forget your cash to close.” Cue confusion. Isn’t that just your down payment? Not quite. As your real estate agent or loan officer (aka your homebuying... 
by Scott Gentry | Mar 31, 2025 | Finding a Home, First-Time Homebuyer
You’ve probably heard it before: “I’m going to wait. Prices will drop.”“Rates are too high — I’ll buy next year.”“We’re just going to sit tight until the market cools down.” Sound familiar? If so, you’re not alone — but you might be misinformed. Today, we’re tackling... 
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 22, 2025 | First-Time Homebuyer, Getting a Mortgage, Getting Started
The dream of owning a home is a significant milestone for many, but saving for a hefty down payment can feel overwhelming. While a 401(k) is primarily a retirement savings tool, it might seem like a tempting shortcut to fast-track your homeownership goals. Before...