Give your sale proceeds more than one job
Eric’s example challenges the automatic choice to put every dollar from a home sale into the next down payment.
Read the articleHOME WITH ERIC · MORTGAGES REIMAGINED
Eric’s blog
Find an article about buying, moving or making sense of your mortgage. Start with your question.
Browse the articles
534 articles to explore · Page 14 of 45
Articles marked “Substack” open the original in a new tab. Market updates reflect their original date.
Review home equity without assuming it should be borrowed
The clip suggests looking beyond the mortgage payoff and considering how the home fits with retirement, debt and other financial goals.
Read the article
Get comfortable with the numbers before falling for a home
This Short answers a basic readiness question by changing the order of the process. First understand what buying would mean for your finances, then begin looking at individual homes.
Read the articleCheck other purchase funds before withdrawing retirement money
In this September 29, 2026 short, Eric asks buyers to compare alternatives before using retirement savings for a home. The decision affects both the purchase you want now and the resources intended...
Read the articleA recession does not give every homebuyer the same opportunity
The video considers whether lower borrowing costs during an economic slowdown could support housing demand. Treat that as one possible interaction, while also considering how a weaker economy could...
Read the articleCompare waiting with buying, using more than a target rate
This video asks buyers to consider the tradeoffs of waiting for a particular mortgage rate instead of treating waiting as financially neutral.
Read the article
What if your home value falls after you buy?
The video asks buyers to consider their expected time in a home instead of judging the entire purchase by one year of price changes. That perspective helps, but a decline can still matter before yo...
Read the articleWaiting to buy has tradeoffs, but missed appreciation is not a bill
Eric worries that a delayed purchase can reduce the years someone spends owning a home. That is worth considering alongside the costs, flexibility and savings that come with the alternative.
Read the articleYour homebuying timeline does not have to follow a tradition
This conversation suggests that travel, family plans and past housing experiences can influence when someone wants to own a home.
Read the articleTurn housing-market worry into questions you can evaluate
The video describes how headlines and conversations with others can shape a buyer's confidence. The practical response is to identify the concern and investigate it without assuming that hesitation...
Read the articleYour finances still matter after the offer is accepted
An accepted purchase contract does not freeze a mortgage approval. Eric warns that new debt and large purchases can change the financial picture the lender is reviewing.
Read the article
Prepare before the rate opportunity appears
Eric uses a hypothetical rate drop to explain why preparation should happen before the market reaches a number you like.
Read the articleWANT TO WORK THROUGH A DECISION?
Explore a guide or try a calculator.
Have a question about your own situation?
Bring it to a Discovery Call. You do not need a complete application to start a conversation.