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🏚️ The 50-Year Mortgage: Because Who Doesn’t  Love Paying Forever? There are some ideas in the mortgage world that make you stop, squint, and ask, “Wait… are we serious right now?” The latest? The 50-year mortgage. Yes, someone decided that the 30-year mortgage—already long enough to raise kids, change jobs, switch cars a dozen times, and live through several hairstyles—wasn’t quite long enough. Why not stretch it out for half a century ? You know, so you can celebrate payin

Mortgage Tip: I hear it all the time: “Stay away from mortgage insurance!” But what if I told you that mortgage insurance (which is required if you put less than 20% down) might actually make more  financial sense than putting 20% down? Here’s why. Mortgage insurance can often be surprisingly affordable—sometimes as low as $40–$80 per month depending on credit, loan size, and down payment amount. And in some cases, loans with  mortgage insurance actually come with better rate

If you’ve been told you “can’t go conventional” because your credit score isn’t high enough — this is news worth knowing. Fannie Mae (the agency behind many conventional loans) just made a big change:They’ve removed the old minimum 620 credit-score requirement  for loans run through their automated system (called “Desktop Underwriter,” or DU). So… what does that mean for you? It doesn’t mean credit scores suddenly don’t matter — they still do.But it does  mean your overall pr

You ever notice how everyone  in real estate calls themselves a “Top Producer”?It’s on business cards, Instagram bios, and those flashy ads with crossed arms and foggy mountain backdrops.So , being the mortgage nerd I am… I like to look them up. And wow. Half the time they haven’t sold or closed a thing in six months. 😬Meanwhile, the same handful of agents and loan officers are quietly doing the majority of the business — helping actual buyers and sellers navigate real-life