Homeownership,
understood.

November 4, 2026

The Rate Is High. Can the Purchase Still Make Sense?

A rate that feels high doesn't settle the purchase decision. I'd check whether the full payment fits now, what cash remains after closing and whether the plan depends on refinancing.

By Lee Witte

October 29, 2026

Should You Pay Points to Lower Your Mortgage Rate?

Paying points can lower your rate. In my example, one point takes five years to earn back. Here's how I'd decide, and how to keep cash for closing day.

By Lee Witte

October 23, 2026

Rates Eased on October 22. Here's What I'd Check Next.

Mortgage rates eased on October 22. I explain what that means for your numbers and why I'm launching The Equitian to help you make informed decisions.

By Lee Witte

October 23, 2026

A Bigger Down Payment, or More Breathing Room?

Putting more down can lower your mortgage cost. Compare the payment with the money you would have left for repairs and reserves before committing the cash.

October 23, 2026

If Rates Fall After You Buy, When Does Refinancing Pay Off?

A lower rate deserves a full comparison. See how refinance costs, your remaining loan term and the time you keep the mortgage affect the decision.

October 23, 2026

Two $350,000 Homes. Two Very Different Monthly Payments.

Two homes can have the same price and very different monthly costs. Compare taxes, insurance and HOA dues before deciding what fits your budget.

October 23, 2026

$10,000 Off the Price or $10,000 Toward Closing?

A $10,000 price cut and a $10,000 closing credit accomplish two different outcomes. See how each changes your cash, monthly payment and mortgage balance.