Why Shopping for the Lowest Mortgage Rate Can Actually Cost You the Most Money
Chasing the lowest rate sounds smart until the loan does not close on time and your earnest money is gone. Matt Collett explains what actually matters when choosing a mortgage lender and why rate is o... ...more
Mortgage
March 23, 2026•5 min read
Why You Should Trust Your Lender Over the Headlines When It Comes to Mortgage Rates
By the time a major publication runs a story about falling mortgage rates the window may already be closing. Matt Collett explains why your local lender is a far more reliable source than financial ne... ...more
Mortgage
March 20, 2026•4 min read
The Lender Comparison Mistake That Is Costing Homebuyers More Than They Realize
Comparing lenders by monthly payment and cash to close sounds smart but it can be misleading. Matt Collett explains the one step most buyers skip that reveals which lender is actually offering the bes... ...more
Mortgage
March 19, 2026•5 min read
How to Get Pre-Approved for a Mortgage and Why It Is the First Step to Buying a Home
Before you can buy a home you need a mortgage and before you get a mortgage you need a strategy. Matthew Collett explains what pre-approval actually involves and how the right loan structure makes all... ...more
Mortgage
March 18, 2026•4 min read
The 1997 Home Sale Tax Rule That Is Keeping Long-Term Homeowners From Moving
The capital gains exclusion on home sales has not been updated since 1997 and it is locking equity-rich homeowners in place. Matt Collett explains what Washington is debating and what long-term owners... ...more
Mortgage
March 18, 2026•6 min read
Are We Finally in a Buyer's Market? What Matt Collett Wants Every Buyer to Know Right Now
Inventory is climbing and homes are sitting longer but prices are not falling the way the data suggests they should. Matt Collett breaks down what is really driving today's housing market and where pr... ...more
Mortgage
March 18, 2026•5 min read
U.S. Housing Inventory and Pricing Landscape: What Mortgage Seekers Need to Know
A Shift Toward Buyer-Friendly Conditions In mid-2025, the U.S. housing market has begun a gradual rebalancing. Inventory levels are on the rise as sellers navigate affordability challenges and high mo... ...more
Mortgage
July 30, 2025•3 min read
The Hidden Costs of a Mortgage: What You Need to Know About Fees Beyond the Rate
Understanding the True Cost of a Mortgage When comparing mortgage options, most homebuyers focus on one number: the interest rate. While securing a low rate is certainly important, it’s only one part... ...more
Mortgage
July 30, 2025•3 min read
Are My Disclosures the Final Number I’m Obligated To?
When you're in the middle of the mortgage process, one of the most common questions buyers ask is: Are the numbers on my disclosures the final amount I'm locked into? It’s a great question—and the sho... ...more
Mortgage
April 04, 2025•2 min read
