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• Kingdom-minded, locally owned independent Mortgage Advisors with a boutique approach to helping you secure wealth by using smarter ways to purchase or refinance homes, businesses and other assets.
• Even with little to no money down and less than perfect credit, informed borrowers make sure they are Platinum Preapproved with us before beginning the process of searching for a property.
Out With The Old Homebuying Playbook📚
Today’s path to homeownership has shifted.
Education-first, advisory guidance matters more than ever.
Modern tools and creative strategies interpreted with the help of the right industry professional can help buyers move from overwhelm to clarity.
This generation hasn’t missed the boat. They’re navigating different waters and they need a guide who understands the new landscape.
With affordability stretched thin, the average first-time buyer is now entering the market at 40 years old.
There is also another trend emerging...
A renewed focus on advice over transactions is transforming how first-time buyers can enter the market, even in today’s climate.
Home prices have nearly tripled since the mid‑1990s, while incomes have barely doubled.
What once cost roughly three years of income now costs closer to six.
Monthly payments now consume a far larger share of household income than they did for previous generations.
The traditional idea of a starter home may be gone in many markets. But the concept of a first home is very much alive.
Today’s first home is better understood as:
• A wealth‑building tool, not a forever home
• A stepping stone that creates equity and optionality
• A way to stop paying rent without waiting for “perfect” conditions
• A learning experience that builds confidence for future decisions
This reframing matters. It shifts the conversation away from perfection and toward progress.
One of the most important insights we keep hearing from research, from buyers, and from industry leaders is that today’s consumers want to be guided.
That’s where the role of the mortgage professional is evolving.
The most effective professionals are acting as wealth communicators, helping buyers:
• Understand long‑term outcomes, not just monthly costs
• See multiple paths forward
• Connect today’s decisions to future stability and flexibility
This approach builds trust because it centers education, transparency, and agency.
Because affordability has changed, the tools have had to change too.
We outline a range of creative, responsible strategies that help buyers bridge the gap between desire and feasibility. At a high level, these include:
• Income‑based strategies like co‑buying and house hacking that turn existing living arrangements into equity‑building opportunities
• Capital‑stacking approaches that thoughtfully combine buyer funds, down payment assistance, family support, or retirement assets
• Product flexibility such as adjustable‑rate structures, and builder incentives that lower early‑stage costs
• Shared‑equity and ownership models that reduce upfront barriers while maintaining long‑term alignment
• Geographic strategies that help buyers build wealth in more affordable markets
These are strategic responses to a new reality, and they require education, modeling, and honest conversations about trade‑offs.
One consistent theme we see is that fear decreases when clarity increases.
Over 90% of Millennials and Gen Z said they wanted financial information to be more visual.
When buyers can see their options or their situations, it’s easier to have a conversation.
Financial decisions become much easier when buyers can see their options.
Visual breakdowns help buyers compare:
• Rate options
• Down payment structures
• The cost of waiting
• Rent-versus-own models
• The impact of house hacking
• Long-term wealth outcomes
When buyers can see their choices clearly, uncertainty declines and commitment rises.
The path to homeownership today looks nothing like the one previous generations followed.
Prices, incomes, payments, and expectations have all shifted.
But with the right strategies and guidance, homeownership is still attainable and still one of the most powerful tools for building long-term financial security.
This generation hasn’t missed the boat.
They’re navigating different waters.
And with the right guidance, the path forward is still very real. ... See MoreSee Less
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Mortgages Above 6% Now Exceed Share Below 3%📈
A milestone on the long lock-in recovery journey...
In Q3 2025, the share of U.S. homeowners with mortgage rates at or above 6% rose to 21.2%, surpassing the 20% share with rates below 3% for the first time.
The shift signals a gradual unwind of the pandemic-era “rate lock-in” dynamic that has limited home sales by discouraging owners from giving up ultra-low mortgages.
Mortgage rates have eased from recent highs, but remain above 6%.
Rates reached a 2025 peak of 7.04% in January and fell to the 6.2% range by the end of the year.
Zooming out, rates have remained above 6% since September 2022, keeping many would-be sellers "locked-in” and hindering total inventory recovery.
Housing supply has improved over the past year, tipping the national market into “balanced” territory, and some local markets all the way into “buyer’s market” territory.
Scarce inventory has kept upward pressure on home prices, especially in affordable areas where homes continue to sell at a quick clip and buyers face considerable competition.
New-construction inventory has helped fill the gap, and the new-home share of inventory has climbed beyond pre-pandemic levels.
In the third quarter of 2025, 20% of outstanding mortgages had an interest rate below 3%.
The Freddie Mac fixed rate on a 30-year loan dipped below 3% in July 2020, and generally stayed below the 3% threshold through September 2021.
Highlighting how extraordinary these conditions were, this was the only period in the data’s history (since 1971) where rates dropped below this threshold.
Between the second and third quarters, nearly all of the shifts in share occurred within the sub-4% brackets.
This may reflect “swappers,” or borrowers exchanging a lower-rate mortgage for a higher-rate one.
The shrinking share of low-rate mortgages could also reflect buyers paying off their mortgages and owning outright.
Nearly one-third of outstanding mortgages (31.5%) carry interest rates between 3% and 4%.
Meanwhile, 17.1% fall in the 4%–5% range, 10.2% are between 5% and 6%, and 21.2% have rates of 6% or higher.
Altogether, this means that more than half (51.5%) of outstanding mortgages still have a rate of 4% or lower, and roughly 69% have a rate of 5% or lower.
Notably, the share of mortgages with rates above 6% now exceeds the share with rates below 3%.
While roughly 80% of outstanding mortgages still carry rates below 6%, indicating that rate lock-in remains substantial, this shift marks a meaningful inflection point, suggesting increased market movement as more households either trade in low-rate mortgages for higher-rate loans or enter the market for the first time. ... See MoreSee Less
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ChatGPT Business Pages Are Here📣
ChatGPT is becoming a business discovery engine, and it already favors businesses with clean, structured, authoritative digital footprints.
Most professionals are invisible to it right now.
ChatGPT is not creating new listings like Google Business Profiles.
It’s aggregating trusted data sources (websites, directories, structured data, authority sites) and synthesizing them into AI answers.
That matters for lead generation and visibility.
How to show up on ChatGPT business pages (before your competition does)...
ChatGPT now pulls local business info into its AI results.
That means when a prospect asks for a referral for service provider, ChatGPT can display your business details without a traditional Google search first.
Most businesses aren’t optimized for this yet.
They’re missing out on a major new discovery channel, especially for referrals, because they aren’t showing up in these AI business panels.
If ChatGPT trusts your digital footprint, you appear.
If not, you don’t exist.
You need to optimize where AI is pulling your data from: that means your website, profiles, directory listings, etc.
AI chooses what to show and what content sources carry the most weight for ranking in ChatGPT’s knowledge panel.
Actionable tips:
•Claim/verify the business you're listing
•Supply consistent Name/Address/Phone
•Enrich your business descriptions
•Have a clear business identity (who you are, what you do, where you operate)
•Authoritative mentions (not spammy backlinks)
It’s early days, but this could become a huge referral funnel.
ChatGPT is already influencing referrals and discovery. ... See MoreSee Less
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First-time homebuyer💸 If you have an interest rate above 7% lets save you some cash:) ... See MoreSee Less
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The New Age of Home Buying🛸
According to a new report, digital channels are playing an increasingly central role in real estate agent selection for consumers, reshaping traditional referral and word-of-mouth pathways.
About 36% of sellers now find their agents through online sources, more than double the 15% reported in 2018, while 33% of buyers say online research significantly influenced their choice of agent.
This trend reflects a broader shift toward digital engagement and suggests that an agent’s online presence, visibility, and perceived expertise can be decisive even before first contact.
Borrowers are also finding their home financing through online sources.
However, further investigation finds that borrowers using big box lenders online pay statistically higher mortgage costs compared with similar borrowers at other lenders, resulting in significant lifetime cost “overcharges” on 30-year loans.
This report adds fuel to two lawsuits charging Zillow with deceptive practices by requiring or incentivizing “affiliated” real estate agents to steer their clients to the popular listing site’s mortgage lending affiliate, Zillow Home Loans.
The 40-page report says Zillow Home Loans “charges significantly higher mortgage costs than they would pay to other lenders.”
The rate is higher on all types of loans, conventional and government-backed, the study found.
Zillow has reportedly objected to the study, calling it flawed. The study “draws inaccurate and misleading conclusions,” it has said.
Based on HMDA data for loans originated between 2022 and 2024, and controlling for borrower demographics, loan characteristics and geographic and “temporal” factors, studies concluded that Zillow borrowers paid about a 10% higher annual percentage rate on a 30-year conventional loan than they did with other lenders.
The higher APR amounts to a net present value (NPV) “overcharge” of some $2,900 on an average $321,000 loan held to term.
For 2024 alone, the APR on such a loan originated by Zillow Home Loans was about 15 points for the year, amounting to an "overcharge" of about $4,600 on an average loan of approximately $337,000.
The analysis shows that Zillow’s mortgages have become more expensive over the course of the 2022-2024 study period relative to other lenders.
“While Zillow’s loans were relatively cheaper in 2022,” the study found, “they became relatively more expensive in 2023 and even more expensive in 2024.
Zillow originated 10,969 30-year conventional loans in 2022–2024. If each of these loans carries an overcharge of approximately $2,881, the total incremental cost to borrowers is approximately $31.6 million in present-value terms. ... See MoreSee Less
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2026 Mortgage Market Predictions🔮
Every year, consumers ask the same question:
“What’s going to happen this year?”
And every year, most of the answers miss the point.
This year’s predictions are about separating what actually matters from what simply makes noise, and helping consumers position themselves to win in 2026 regardless of market conditions.
1. Interest Rates in 2026: A Range, Not a Rescue
There is no magic rate rescue coming. What is likely:
• Rates drifting modestly lower over time
• Periods of volatility
• Short windows of opportunity, not long, sustained cycles
Think ranges, not numbers.
Predictions for the 30yr conventional fixed rates range perhaps as low as 5.6% to as high as 6.5%, but most agree to expect a very gradual improvement in rates, particularly the 2nd half of 2026. FHA, VA & USDA interest rates may stand to be even lower.
When rates dip, they likely won’t stay there long enough to save an undisciplined borrower.
Predictions say rates will dip and then rise on somewhat rapidly, giving windows of opportunities, but likely not months to take action.
2. Purchase Market Outlook: Quiet Improvement
The purchase market is expected to improve, modestly, not explosively. Key drivers:
• Slightly lower rates than recent years
• More inventory than we’ve seen since the pandemic
• Softening home prices in some markets, stabilizing in others
The big takeaway:
This will be a better year, not an easy one.
3. Real Estate Will Be Hyper-Local in 2026
National housing headlines are becoming less useful by the year. What matters more:
• Your state
• Your city
• Your specific neighborhoods
Examples:
• Some Sunbelt markets are normalizing after extreme growth
• Midwest markets are quietly outperforming expectations
• Coastal markets continue to swing more dramatically
Smart borrowers will:
• Ignore national panic headlines
• Pay attention to their local data numbers
• Consult with professionals who can help make sense of their market, not “the market”
4. Consumer Confidence is the Hidden Driver
Markets don’t move on rates alone. They move on:
• Consumer confidence
• Job stability
• Willingness to commit to large decisions
When consumers feel confident:
• They buy homes
• They make long-term commitments
• They stop waiting for “perfect conditions”
As confidence stabilizes, buying activity follows, even if rates don’t dramatically change.
5. Refinances Still Happening in 2026
Will there be a massive refinance boom like the past? No.
But refinances are far from gone.
Why?
• Consumer debt is at record levels
• Credit card rates are crushing household budgets
• Home equity remains historically high
The Bottom Line for 2026
2026 will not reward:
• Rate watchers
• “I’ll wait and see” thinking
It will reward:
• Structure
• Discipline
• Consistency
• Clear positioning, by having actual conversations with the right real estate professionals
Are you planning to make moves in real estate this year? ... See MoreSee Less
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