Category Archives: Uncategorized

What Is The Best Month To Buy A House (Three Ways You Can Save This Winter)?

The holidays are upon us, and more often than naught, prospective home buyers are putting their decision to purchase a new home on pause until after the New Year. Who can deal with all that stress during the holidays? I get it, buying a home during the winter can be a little more challenging, even uncomfortable to pack up and move during the holidays when our tendency is to slow down the pace and relax a little. If that resonates … Read more

Rising Mortgage Rates DO NOT Lead to Decreased Home Prices

A lot of people think that rising interest rates will result in lower house prices. What they don’t know is prices are determined by supply and demand.  While rising rates may slow demand, they also affect supply. “For current homeowners, the decision to buy a new home is typically linked to their decision to sell their current home… Because of this link, the financing costs of the existing mortgage are part of the homeowner’s decision of whether and when to … Read more

Five Mistakes to Avoid When Purchasing Your New Home.

You may be ready to take the next step in your life and purchase your first home. You may even be ready to move on to a newer home. No matter the case, there are several things that you must do before you move into that beautiful new home. Things like finding a realtor, finding the home, securing financing, saving for a down payment, and many others. With all of those variables, there are some roadblocks and potential mistakes to … Read more

Our Core Values

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We treat you how we’d like to be treated

Our promise to our clients is that we treat you the way we’d like to be treated if we were in your shoes. We love it when we hear from you telling us that we met our goal! “I would highly recommend the Physician Group. They understood the unique needs of our family so well. My husband is very busy in his practice, so he told Joel (our loan representative) “Just talk to my wife”. And from that point on … Read more

Dr. Wise Money – how to use cards to save $60k in interest

Josh Mettle: Well, so the next blog I read at your site was this really funny name and I thought, “What in the world is this all about?” The title was “All the Right Plastics in All the Right Places”. As a guy, I had to read that, I just had to know what it was about. So anyway, it obviously is a play on words and it talks about how you leverage credit card debt, a thing that most … Read more

Pending Home Sales Reach Highest Mark In 9 Years!

The National Association of Realtors (NAR) recently released their Pending Home Sales Index Report and revealed that it is at its highest level since April 2006. The Pending Home Sales Index is “a forward-looking indicator based on contract signings”. The higher the Pending Home Sales Index number, the more contracts have been signed by buyers that will soon translate to sales. The PHSI is a leading indicator for the housing market, since it takes one to two months for a … Read more

The Cost of Renting vs. Buying

Thanks to historically low mortgage interest rates and home values below peak levels, buyers can expect to spend about 15 percent of their monthly income on a mortgage payment, compared to 22 percent historically, according to Zillow research. Typical renters should expect to pay 30 percent of their income to rent, compared to 25 percent a generation ago. Historically the percentage of your income needed to afford a home vs. renting was a much closer margin, which made renting more … Read more

The Cost of Renting vs. Buying

Thanks to historically low mortgage interest rates and home values below peak levels, buyers can expect to spend about 15 percent of their monthly income on a mortgage payment, compared to 22 percent historically, according to Zillow research. Typical renters should expect to pay 30 percent of their income to rent, compared to 25 percent a generation ago. Historically the percentage of your income needed to afford a home vs. renting was a much closer margin, which made renting more … Read more

Garrett Gunderson on defining your investor soul purpose

Josh Mettle: The final chapter of your book is about defeating myths. Talk to us just a little bit about that formula and specifically how defining and following one’s soul purpose fits into the equation. Garret Gunderson: Well, I would give a soul purpose like you know it can stand a little bit like an airy-fairy kind of deal, or you know, like what does that mean. Let me say it this way: we all have our own investor DNA, … Read more

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