How to Solve the Annoyingly Low Real Estate Inventory Problem & Build the Home of Your Dreams

How to Solve the Annoyingly Low Real Estate Inventory Problem & Build the Home of Your Dreams (Why an Existing-Home Construction Loan is the Answer) If you’re like many clients I speak with, your family may be ready for a home that better fits your needs.  It’s possible your family size has changed, your lifestyle and recreational interests have evolved, or your just plain old sick and tired of wasting hours of your life commuting. Unfortunately, the annoyingly low real … Read more

This Real Estate Bubble – Likely Isn’t a Bubble (11 Data-Driven Reasons Why You Should Buy Your Dream Home Immediately)

This Real Estate Bubble – Likely Isn’t a Bubble (11 Data-Driven Reasons Why You Should Buy Your Dream Home Immediately) If you’re like many clients I speak with, you probably believe we are on the brink of a real estate crash and you are asking yourself if you should try to time the market or buy now.  Here are a few of the common myths about the current real estate situation that many people believe: Prices are at an all-time … Read more

The Behind the Scenes of how Mortgage Lenders , Brokers, and Realtors get Paid – What you Don’t Know Might Surprise You! 

If you are like many of the clients we work with, you’re likely unclear how mortgage and real estate professionals are paid.  You might even assume that because you are a doctor, the eyes get big and the real estate or mortgage person you are working with only sees dollar signs, and since this is not your area of expertise, you may have some concerns. Here are a few comments we hear from clients regularly: “I’m not going to use … Read more

This Real Estate Bubble – Likely Isn’t a Bubble

This Real Estate Bubble – Likely Isn’t a Bubble: 11 Data-Driven Reasons Why You Should Buy Your Dream Home Immediately Earlier this year I sat as an attendee at the WCI conference, also known as the Physician Wellness and Financial Literacy Conference in Park City, UT.  I was approached by a physician attendee who recognized me and asked: “Josh – when will the real estate bubble pop?” He went on to explain that his young family had outgrown their home and were … Read more

Americans Sitting on Trillions of Tappable Equity

Like many of our clients, you are likely sitting on a substantial amount of equity in your home after the last few years of near record appreciation.  Maybe you’re asking yourself if there is a way to tap that equity and use it in a more economically productive way (more on that below).  Black Night just reported that Americans are sitting on a record amount of tappable equity, currently estimated to be in excess of $5,420,000,000,000 ($5.42 Trillion in tappable … Read more

Can I Use My Home Equity for a Down Payment?

“Can you use a home equity line of credit as a down payment to purchase a new home or a new investment property?” That’s a question we get all the time, and the simple answer is yes. That is absolutely an allowable source of funds. Most mortgage underwriting guidelines will allow you to borrow money to be used for a down payment, provided that that money is securitized or collateralized by an asset. If you have a free and clear … Read more

When Will The Real Estate Bubble Pop? – A look into the Supply and Demand of the Housing Market

If you’re one of the millions of Americans who wants to buy a home this year, the constant increases in property values might have you feeling edgy. When you keep getting outbid on homes, you wonder if it’s wise to offer more for the next home you fall in love with. People who already own homes fret, too. They worry that they’ll sell their current home and then not find a move-up home they can afford. It can be really … Read more

When Will The Real Estate Bubble Pop? – A look into the Supply and Demand of the Housing Market

If you’re one of the millions of Americans who wants to buy a home this year, the constant increases in property values might have you feeling edgy. When you keep getting outbid on homes, you wonder if it’s wise to offer more for the next home you fall in love with. People who already own homes fret, too. They worry that they’ll sell their current home and then not find a move-up home they can afford. It can be really … Read more

Professional Home Loan Program

There has always been the myth out there that physician home loans are only available for those with an MD and DDS designation.  Well,  we’re here to destroy that myth!  While we do currently offer solutions and services for medical professionals not of those designations, we now have a much more expansive selection available! We are really excited to provide a new feature available not just for our standard physicians, but that can also specifically cater to CRNA’s, PA’s, DPT’s, … Read more

Doctor Mortgages 2018 – What’s Changed & What You Need to Know Now

  Never have there been so many options for physicians seeking a mortgage.  Banks have come out of the woodworks to offer doctor or physician mortgages as they are so often called.  In a nutshell, these loans make it easier for doctors to qualify for mortgage financing. How does a physician mortgage make it easier to qualify?  As compared to a conventional mortgage or a jumbo mortgage, the physician mortgage has more malleable underwriting guidelines. Generally speaking, most doctor mortgages … Read more

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