What Does It Actually Cost to Own a Home in Year One?

Most first-time buyers spend months focused on two numbers: the down payment and the monthly mortgage payment. They get those right and think they are prepared. Then they move in. And then they find out about everything else. In the fire service, we plan for the 90%, the calls we know are coming, th

Why I Hold Three Licenses Instead of One

My wife and I had a mortgage guy, an insurance agent, and a real estate agent. All fine at their jobs. None of them talked to each other, and not one of them asked where we wanted to be in five or ten years. They sold us the thing in front of us and moved on. The gap between those three people, the