Rates & the economy
The Fed cut rates. So why didn't your mortgage rate move?
The federal funds rate and your 30-year fixed are three steps apart. Here's the chain that connects them, and where it breaks.
Aug 28, 2026 · 5 min read
Resource hub
The explanations we'd give you in person, written down.
Education that makes a positive difference in your homebuying and homeownership experiences. Market updates, condo guidelines, and the mechanics behind the numbers.
Buying strategy
Waiting for a better rate has a cost too. Let's calculate it.
Appreciation, rent, and idle savings all move while you wait. A worked example on a Denver median-priced home.
Aug 14, 2026 · 7 min read
Condo guidelines
Why your condo got denied, and how warrantability works
Owner-occupancy ratios, reserve requirements, and litigation. The HOA questionnaire decides more than your credit score does.
Jul 30, 2026 · 6 min read
Loan mechanics
Points and PMI, finally explained side by side
Paying up front versus paying monthly. How to find the break-even and decide which one fits your actual timeline.
Jul 11, 2026 · 4 min read
Market update
Denver metro inventory: what four months of supply means
Months of supply is the single number that tells you whether you're negotiating or competing. Here's the current read.
Jun 26, 2026 · 5 min read
Affordability
Qualifying for a payment and affording it are different things
The 28/36 rule is a starting point, not an answer. What we actually stress-test before quoting a number.
Jun 9, 2026 · 6 min read