by Scott Gentry | Sep 23, 2025 | Refinance
Refinancing in October can be smart if you’ll (1) lower your rate or remove costly mortgage insurance, (2) shorten your term without hiking your payment beyond comfort, or (3) consolidate higher-interest debt responsibly. Use a break-even test: total refi costs ÷... 
by Scott Gentry | Apr 29, 2025 | Getting a Mortgage, Selling Your Home
The R-Word Nobody Likes to Say Aloud Ah, recession. That five-syllable word that instantly makes people tighten their wallets, Google “Should I cancel Netflix?”, and wonder if now is the absolute worst time to buy or sell a home. But before we let the doom-and-gloom... 
by Scott Gentry | Oct 31, 2024 | FHA Loan
So, you’re thinking of buying a house? Bless your heart. You’re about to step into a world of bewildering jargon, heaps of paperwork, and enough fine print to make you contemplate a career in escapism. But fear not! Here’s a detailed, (hopefully) delightful FAQ guide... 
by Scott Gentry | Sep 23, 2024 | Refinance
(Updated 11/30/24) Homeownership is more than just having a roof over your head—it’s also an opportunity to leverage your investment. An FHA cash-out refinance allows you to tap into your home’s equity, providing financial flexibility for various needs like home... 
by Scott Gentry | Sep 20, 2024 | Refinance
(Updated 11/30/24) Refinancing your mortgage can unlock significant financial opportunities, from reducing your monthly payments to accessing home equity for other financial needs. However, not every refinancing option is a perfect fit for every homeowner....