What If Home Prices Drop After I Buy and Here Is the Honest Answer Every Buyer Needs to Hear
Nobody times the market perfectly. Mitchell Milat explains why long term goals beat short term price fears. ...more
Mortgage
September 18, 2026•2 min read
You Do Not Need 20 Percent Down to Buy a Home and This Belief Is Keeping Too Many Buyers Waiting
Loan programs, DPA, seller concessions reduce upfront costs. Mitchell Milat explains your real down payment options. ...more
Mortgage
September 18, 2026•2 min read
Should You Buy Now or Wait for Mortgage Rates to Drop and Here Is the Honest Answer
Lower rates bring more buyers and higher prices. Mitchell Milat explains why timing beats rate chasing now. ...more
Mortgage
September 18, 2026•2 min read
Buyers Are Getting Negotiating Power Back and Here Is How to Use It Before the Window Closes
Longer days on market, price cuts, concessions available. Mitchell Milat explains how to structure offers now. ...more
Mortgage
September 18, 2026•3 min read
Second Lien Borrowing Just Hit an 18 Year High and Here Is the Smart Thinking Behind the Numbers
Keep your low rate, tap equity with a HELOC. Mitch Milat explains why second liens are surging now. ...more
Mortgage
July 22, 2026•4 min read
Stop Trying to Time the Rate Market and Start Using the Negotiating Power You Have Right Now
Higher for longer after June Fed meeting. Mitch Milat explains why buying now with leverage makes sense. ...more
Mortgage
July 22, 2026•3 min read
76 Percent of Buyers Now Trust AI to Shop Their Mortgage and Here Is the Smart Way to Use It
AI shops fast but misses nuance. Mitch Milat explains why combining AI and a loan officer wins deals. ...more
Mortgage
July 22, 2026•3 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. Mitch Milat explains who benefits and by how much. ...more
Mortgage
July 22, 2026•3 min read
Jobs Report Shows a Slowing Economy and Oil Dropped to 67 Dollars and Here Is What That Means for Rates
Oil at $67, slowing jobs report signals Fed pivot. Mitch Milat explains why buyers should act now. ...more
Mortgage
July 03, 2026•3 min read
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