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The Blog

Every guide we have published, newest first. Financing breakdowns, staging notes, and the occasional argument with advice that gets repeated too often without being checked.

Homeowner comparing two refinance offers on paper Mortgages and Financing

Refinancing Only Makes Sense in These Cases

A homeowner called me convinced she should refinance because rates had dropped a full percentage point since her original loan.

Derek WallaceSep 15, 20264 min read
Loan officer reviewing paperwork behind a stack of files Mortgages and Financing

What Underwriters Check That Buyers Never See

A file I underwrote years ago fell apart four days before closing over a nine hundred dollar furniture purchase the buyer made...

Derek WallaceSep 15, 20264 min read
Smart thermostat mounted on a hallway wall Home Buying

The Smart Home Features Buyers Actually Use

A listing I underwrote a pre-approval for last year advertised a fully smart home, with app controlled lighting throughout, a...

Derek WallaceSep 15, 20265 min read