HOME WITH ERIC · MORTGAGES REIMAGINED
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Eric’s October 26, 2025 video argues that some fall buyers may find room to negotiate. Turn that idea into five questions about the property and your own plans. The calendar alone cannot tell you w...
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The video's move-up example can illustrate monthly payment relief. It cannot establish total savings until you include property expenses, transaction costs and the balances that remain over time.
Read the articleEric's October 2024 discussion describes a confusing experience: a Federal Reserve cut followed by higher mortgage pricing. The useful takeaway is that a policy announcement and a borrower's mortga...
Read the articleEric uses a longer ownership horizon to challenge the habit of judging a home purchase by next year's headlines. The useful exercise is to model several futures while keeping the monthly commitment...
Read the articleEric’s October 2026 video explains why the amount you have saved cannot be judged against a down payment alone. The better plan compares total purchase funds, money already paid and the savings lef...
Read the articleA preapproval describes a lender's assessment at a particular point. The most useful follow-up is to ask what was verified, what remains conditional and what changes you need to report before closing.
Read the articleEric's April 22, 2026 video focuses on preparing credit before a home purchase. The useful starting point is a review of the actual report and loan options. A score shown in an app, a promised poin...
Read the articleSelf employment does not automatically block a mortgage. Eric’s video introduces bank statement, 1099, asset based and rental property financing. Each evaluates a different source of repayment, and...
Read the articleEric walks through buying a home from the first budget conversation to closing. Use the six stages to organize your questions before a contract creates deadlines. Preparation gives you time to eval...
Read the articleA national housing headline cannot tell you whether a particular home fits your monthly budget. Eric explains why buyers should see realistic payments before touring homes that could stretch their...
Read the articleEric explains why a lender’s maximum loan amount should not become the household budget by default.
Read the articleThe video asks buyers to choose a comfortable payment instead of automatically borrowing the maximum. That cushion matters because owning a home brings expenses beyond principal and interest.
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