April 2025

Look, most people hear “home equity” and think it’s some complicated finance thing only accountants talk about. But if you’ve got a house, knowing how to accurately calculate your home equity could literally make or save you tens of thousands of dollars. I’ve had friends sit on $100K of home equity and not even know […]

Let’s talk about something no one wants to go through, but way too many people face—foreclosure. I’m seeing more and more folks ask the same hard questions, like… “Am I going to lose my house?” “What’s the difference between judicial vs. non-judicial foreclosures?” “Can I stop the process once it starts?” “Do I still owe

Thinking about buying a house and not sure if an adjustable-rate mortgage is right for you? You’re definitely not alone. A lot of people hit that same wall. You’re staring down two options—fixed-rate or adjustable-rate. The first sounds “safe” but kinda pricey upfront. The second—risky, but the starting deal looks real sweet. The question is,

To calculate home equity, subtract your current mortgage balance from your home’s market value. For example, if your home is worth $500,000 and you owe $300,000, your equity is $200,000. Understanding how to calculate home equity helps you unlock its potential—whether for investing, debt payoff, or increasing net worth. Use online tools, neighborhood sales, or

Let’s get real—the moment you’re staring down a foreclosure, the first thing that hits you in the gut is this thought: “What’s this going to do to my credit?” I’ve been there. You’re not the only one Googling the impact of foreclosure on your credit score at 2 a.m. with that mix of panic and

You knew it when you signed: a 10-year ARM was a great move back then. Low rates, manageable payments, everything lined up. But now? That rate adjustment window is creeping up. And odds are, your monthly payment is about to jump. Hard. If you’re asking, “Should I refinance my 10-year ARM before the rate resets?”

Adjustable-rate mortgages sound like a sweet deal when you’re house hunting, right? Super low intro rates, you feel like you’re winning. But here’s the kicker—nobody talks enough about the long-term costs of ARMs. I’ve had too many friends jump into ARMs thinking they scored this crazy good deal and then end up struggling when rates

If you’ve been asking, “Can you work with a 50% VA disability rating?” you’re not alone. That question shows up in forums, at the VA office, and in conversations at the barbershop. Veterans want clarity—period. Here’s what I know: a 50% VA disability rating doesn’t mean the workforce is off-limits. You just need to be

Using home equity for smart investments sounds like a cheat code… and in a lot of ways, it actually is. It’s one of those things people hear about, but don’t really get. Maybe your neighbor told you he pulled $100K out of his house and bought another one. Maybe you saw a TikTok where someone

Home equity loans sound like a solid move when you’ve got high-interest credit card debt breathing down your neck, but are they really the fix in a high-rate market? You’re not alone if you’ve been thinking, “Should I tap into my home equity to crush this debt once and for all?” That idea hits especially