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. Ray George explains how to structure offers now. ...more
mortgage
September 02, 2026•3 min read
Adjustable Rate Mortgages Are Not What They Were in 2008 and Here Is What Buyers Should Know Now
Fixed periods, clear guidelines, stricter qualifying. Ray George explains when an ARM actually makes sense. ...more
mortgage
September 02, 2026•3 min read
What If Home Prices Drop After I Buy and Here Is the Honest Answer Every Buyer Needs to Hear
Nobody times the market perfectly. Ray George explains why long term goals beat short term price fears. ...more
mortgage
September 02, 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. Ray George explains why timing beats rate chasing now. ...more
mortgage
September 02, 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. Ray George explains your real down payment options. ...more
mortgage
September 01, 2026•2 min read
Why Mortgage Rates Move Even When the Fed Does Nothing
The Federal Reserve did not raise rates, so why did your mortgage rate just jump? Ray George breaks down the real force behind mortgage rate movement and what homebuyers should actually be watching. ...more
mortgage
March 11, 2026•4 min read
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