During the Covid-19 pandemic and subsequent quarantine, mortgage rates hit a record all time low. But, what goes down must come up, right? So it seems the pendulum has swung wildly in the other direction. Since New Year’s Day we’ve seen a rapid increase in mortgage rates which are now sitting at a t

Close your eyes and think of the simplest joy from childhood. Let me guess: it was reaching down into the shallows of a lake shoreline to find the perfect stone. Rounded and flat at the same time, not too big, not too small, with exactly the right weight. Basically, the Goldilocks of rocks. This isn

If there’s anything this insanely hot real estate market has taught us it’s that we know nothing. The rules can change with the wind and that means everything we’ve done for decades has been thrown out the window. This leaves us to wonder… What’s the best way to approach your down payment now? Here