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Uncategorized The Year of Uncomfortability: Why Growth Lives Outside Comfort The Year of Uncomfortability Why Growth Lives Outside Comfort By, David Hall We’re a month into 2026 and it feels like I’ve been in it for the blink of an eye. I’ve tried writing this entry five times, unsuccessfully. My mind goes in so many different directions and when I’m done, I’m left with a […]
Uncategorized Down to the Wire Down to the Wire You’ve performed your inspections, negotiations have been finalized, and you’re ready to sign your closing docs. You receive the estimated settlement statement from escrow and you’re preparing to send the money for your down payment and closing costs. In the past, you’ve confidently trusted that your ACH (automatic clearing house) payment […]
Real Estate Momentum For 3D Printed Housing Momentum for 3D Printed Homes Texas is leading the way. Imagine pulling up to a house that looked like it was wrapped in thick corduroy. With its curved walls it looks like it could have been plucked straight from the plains of Tatooine (forgive the Star Wars reference) and dropped into a residential Texas neighborhood. […]
Uncategorized The Changing Landscape of Homeowner’s Insurance in California In 2023 there was a pullback of major insurance companies who were writing homeowner’s policies in California when State Farm and Farmers announced they would no longer be offering new policies in the state. In September 2023, Gavin Newsom signed an executive order allowing California Insurance Commissioner Ricardo Lara to issue emergency regulation in hopes […]
Lending California Dream For All Written By, David Hall California Dream for All is a down payment assistance program through California Housing Financing Agency (CalHFA) that provides a buyer with up to a 20% down payment assistance, capped at a $150,000 down payment that is repaid, without interest, upon the sale of the home. If you haven’t heard of this […]
Uncategorized Women In Homeownership Women In Homeownership Written By, David Hall Would you be surprised if I told you that as recently as 1972 a woman wasn’t allowed to purchase a home without a male co-signer, or that lenders only used 50% of a female borrower’s income to qualify them for a loan? Why only half you ask? Lenders […]
Uncategorized You Know What They Say About Assumptions You Know What They Say About Assumptions! Written by, David Hall Assuming a loan, as of late, has been an increasingly popular topic of discussion. What is a loan assumption? Assuming a loan means that you essentially directly take over the lower monthly payment of a loan from the original borrower. What some would call […]
Uncategorized Challenges in Appraising Short-Term Rentals The world of real estate appraisal is evolving rapidly with the surge in short-term rentals (STRs) like Airbnb. However, integrating STR data into traditional appraisal methods is complex and poses significant challenges for appraisers. An obstacle appraisers face is the use of the outdated rental data form 1007, last revised in August 1988. Trying to […]
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Lending Marry the House. Date the Rate. I’ve been hearing a lot of Realtors and mortgage professionals saying the phrase, “Marry the house and date the rate.” It’s cute, right? Sure, but people have been beating this drum for a while now and it’s a bit played out. If you haven’t heard this, it means that if you’re buying, don’t worry about […]

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