You Do Not Need 20 Percent Down to Buy a Home and Here Is What Is Actually Holding Buyers Back
Loan programs, DPA and seller concessions cut upfront costs significantly. Caleb Patton explains your real options now. ...more
Mortgage
October 06, 2026•3 min read
What If Home Prices Drop After I Buy Is the Wrong Question and Here Is the Right One to Ask Instead
Southern Indiana homes doubled in 10 years. Caleb Patton explains why not buying carries its own serious risks. ...more
Mortgage
September 15, 2026•3 min read
Why Mortgage Rates Started Climbing Again After Finally Coming Down and What to Do About It Now
Middle East tensions push oil and rates higher. Caleb Patton explains why your estimate may have already changed. ...more
Mortgage
September 11, 2026•2 min read
Most Economists Are Not Expecting a 2008 Housing Crash and Here Is What Waiting Has Already Cost You
Waiting since 2008 means decades of missed equity. Caleb Patton explains why the crash may never come. ...more
Mortgage
August 20, 2026•2 min read
Lenders Are Now Considering Rent Payments as Credit and Here Is What That Means for Buyers Today
Rent history and recurring bills now count for some lenders. Caleb Patton explains who benefits most now. ...more
Mortgage
August 20, 2026•3 min read
More Homes Are Hitting the Market and Buyers Have More Leverage Than They Have Had in Years
Rising inventory, longer days on market, seller concessions available. Caleb Patton explains why now matters. ...more
Mortgage
August 18, 2026•3 min read
The 50 Year Mortgage Is Not a Real Product Yet and Here Is What Buyers Should Focus on Instead
50-year mortgage discussed but not available. Caleb Patton at Broker Brothers explains what is real right now. ...more
Mortgage
August 18, 2026•2 min read
Second Mortgages Just Hit an 18 Year High and Here Is Why Paying Off Credit Card Debt With Equity Makes Sense
Credit card debt at high interest vs HELOC at low rate. Caleb Patton at Broker Brothers explains the math. ...more
Mortgage
August 17, 2026•2 min read
ARM Loans Can Save Money Upfront but Here Is the Risk Most Buyers Never Think to Ask About
Lower payment now, risk later. Caleb Patton explains when ARMs make sense and when they become dangerous. ...more
Mortgage
July 16, 2026•4 min read
