I want to talk about adjustable rate mortgages. So what is an adjustable rate mortgage or ARM? The reason why I wanted to talk about this, is even though rates are remaining at historic lows right now, and rates are super, super low, it’s inevitable that rates at some point will go up. When rates go…

How to Hire A Real Estate Agent For Free Buying a House 101 I want to talk today about why hiring a real estate agent is an absolute bargain when you’re buying a home. The first reason is, I don’t know if you know this, especially if you’re a first-time home buyer, but the seller…

Should You Wait For The Housing Market To Crash Before You Buy? This week I wanted to answer the question, should you wait for the market to crash, the housing market to crash before you buy a home? I’ve done this video before several times over the last couple of years, and my answer is…

What is a jumbo mortgage? If you are looking to buy a higher priced home or you own a higher priced home, then a jumbo loan might be something that you may need to take on or want to consider as a financing option. First of all, what is a jumbo mortgage? A jumbo mortgage is…

This week’s video is for you renters out there that are watching this, or if you know someone that’s a renter, please forward this video because I saw a survey recently that said that over 50% of renters think that they can’t buy a home. And it’s such a shame because there’s much pride of…

This week, I want to talk about non warrantable condos. If you’re out there shopping for a home and you’re looking at condos you might’ve heard this term. So I want to first of all explain what a non warrantable condo is, and then dispel some of the myths around non warrantable condos, because you…

Buying a House While Having Student Loans just got a LOT easier! I have exciting news for those of you out there that have student loans and you’re looking to buy a home. The requirements for what we have to use for a payment for you to qualify for that home loan have been reduced…

How much will a credit pull drop your credit score? People ask us if by us pulling their credit, if it’s going to drop their credit score. And the short answer is no, or actually more accurately, very little and very short term. Where it really affects your credit is if you have your credit…

Hi, I’m RJ Baxter with with your tip of the week. Hope you’re having a great week so far. And if you are waiting to buy a home for the housing market to cool down, this week’s video is for you. I have some sobering statistics to share with you that are going to reinforce…

This week, I want to talk about the importance of having a good lender behind you when you make your offer on your home. It’s so competitive out there. I’ve been talking about this now for weeks or months, but this multiple offer situation just makes it so challenging for buyers to get their offer…