Understanding the three major credit bureaus, Experian, Equifax, and TransUnion, is essential for managing your financial health. This guide explains how each bureau collects information, why your...
Discover the key differences between fiat money and cryptocurrency in our simple, comprehensive guide. Learn how government-backed fiat money offers stability and reliability, while decentralized...
I remember how cool Friendster and Myspace were… until that Facebook thing came along and crushed them out of existence. But at least I could still appreciate Pandora… until Spotify came along.
We were all taught in school that government spending can spur economic growth, largely based on the teaching of the famous economist John Maynard Keynes. And – Keynes was right if the spending...
I often remind readers that mortgage rates have fallen almost 2% since October of last year. And, per NAR, every 1% drop in mortgage rates enables an additional 5 million buyers to qualify for a...
Amazon and Microsoft, both headquartered in the Seattle area, have created over 60,000 multi-millionaires through their stock options. Other tech firms like Zillow, Redfin, and Expedia are also...
There were headlines everywhere last week predicting the end of the dollar … again. The Bitcoin bros and gold guys want the dollar to die because their assets will shoot up in value (and...
In 1946 our national debt was almost $270 billion – while our GDP was under $228 billion. So, our national debt in 1946 was almost 120% of our total GDP. […]
Presidents GW Bush, Obama, Trump, and Biden were all very similar – and I will explain why (angering most of my readers, no doubt 😊).
The government does NOT print money. And even I perpetuate the myth that it does – as I often say that the government is going to “print” money to “monetize” our debt - because we will...
Parents cannot buy a property for their college kids with “owner-occupied” financing unless their kids are on the loan too. But, the kids need to have established credit if they’re going to be...
Hazard insurance, also known as fire insurance, is a specific part of a homeowners insurance policy that provides coverage for the physical structure of your home against certain risks, such as fire,...
2023 was probably the worst year in history for the mortgage industry – and we’re all happy to see it go, as the total losses were well into the billions. It was worse than 1981 even (when the...
I rarely mention this, but Heejin and I started a tech company called WeDrink – and we were actually billionaires…for a while.
We are committed to reinventing the mortgage lending model in order to provide outstanding service, low rates, and some of the fastest closing times in the industry.
CONTACT
Guaranteed 60-minute responses during operating hours
Resume from where you left off. No obligations.
