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
Why Your Fixed Rate Mortgage Payment Just Went Up When Nobody Changed Your Interest Rate
Escrow adjusts for taxes and insurance annually. Caleb Patton explains why fixed rate payments still rise. ...more
Mortgage
July 16, 2026•2 min read
New Credit Scoring Models Are Now Allowed for Mortgages and Here Is What Buyers Need to Know
VantageScore 4.0 counts rent and utility payments. Caleb Patton explains who benefits and by how much. ...more
Mortgage
July 16, 2026•3 min read
Price Cuts Are Not a Green Light to Lowball Every Listing and Here Is How to Read the Market Right
Not every cut means lowball room. Caleb Patton explains how to find real leverage in today's market. ...more
Mortgage
June 15, 2026•4 min read
