Chances are you have debt, but debt doesn’t mean you can’t buy a home. 77% of Americans have debt. Life is expensive and debt can quickly pile up.

The key is knowing HOW TO PAY OFF DEBT and IN WHAT ORDER.

What is a 3-2-1 Temporary Rate Buy Down? How does it work? Why would anyone use it? Does it favor the buyer or seller? I answer all these questions and more.

As we await Chairman Powell’s announcement this week, it’s worth checking to see what impact, if anything, this year’s rate drops have had on the housing market.

July is showing signs of a significant market shift. What does this mean for buyers and sellers?