Here is a recent YouTube video that I made about why someone might actually refinance from a low rate in the 3s to a higher rate. When paying down debt it's all about the blended rate. https://youtu.be/PozpylHDYbU

@Carlos Scarpero Hi Carlos! I hope you're doing well. I’ve been meaning to connect with you and sent over an email. When you get a moment, I’d love to chat with you privately—feel free to message me. Thanks so much!

Use this thread to introduce yourself to this group. What brings you to this group and what are you looking to get from being a member here?

Buying your first home using a VA loan is an exciting milestone, especially if you're a veteran or an active duty service member. However, this process can also be filled with pitfalls that might cost you time, money, and even the chance to secure your dream home. Drawing from years of experience helping VA homebuyers, I want to share the six most common rookie mistakes that I see first-time VA buyers make — and more importantly, how you can avoid them. If you’re preparing to buy your first home with a VA loan, this guide will help you dodge costly errors, reduce stress, and make your home buying journey smoother. See full blog post

- Recent headlines claim there are 500,000 more home sellers than buyers, sparking fears of a housing market crash. However, these numbers are likely inflated. - Trusted sources like Realtor.com and the National Association of Realtors (NAR) provide data that contradicts Redfin’s study, showing significantly fewer active listings. - Redfin’s own forecast predicts only a minor 1% price decline over the next year — far from a market crash. - The U.S. housing market is not a single national market; regional differences are huge, with some areas experiencing low inventory and high demand. - Current market conditions are creating new opportunities for buyers, especially those seeking seller concessions, renovation loans, and VA financing. - Buyer demand remains strong due to solid demographics, and while interest rates are currently higher, they are expected to decline eventually, bringing buyers back. If you’ve been paying attention to recent housing market news, you’ve probably seen headlines claiming that there are 500,000 more home sellers than buyers on the market. This alarming statistic, originally reported by Redfin, has ignited widespread fears of a looming housing crash. But before you panic or make any big decisions, it’s important to take a closer look at the data and understand what’s really happening behind the scenes. As a mortgage expert licensed in 33 states and deeply involved in real estate markets across the country, I want to break down these claims and share insights from trusted sources like Realtor.com and the National Association of Realtors (NAR). These organizations provide a much clearer and more accurate picture of the current housing landscape. Let’s dive in. See the full blog post