04/09/2026
Some of you knew me before mortgages.
Back when none of this was part of the conversation.
Itâs funny looking at it now, because the job isnât really what people think it is.
Itâs not just rates or products or timing the market.
Most of it is just sitting in the middle of moments like this.
People trying to decide if itâs time to buy. Walking through houses, doing the math in their head, wondering if it actually fits their life. Not just today, but a few years from now.
There was a time when that decision felt easier. Things moved quicker. You didnât have to sit with it as long.
Now itâs different.
People take their time. They ask more questions. They think about what theyâre stepping into before they step into it.
And on the other side, youâve got homeowners whoâve been in place for a while, starting to realize theyâve built something without really paying attention to it. Not in a rush to use it, just aware that itâs there.
Thatâs most of what I see day to day now.
Not big moments. Just people somewhere in the middle of figuring out their next move.
Trying to decide if itâs time.
Trying to make sure it makes sense before they do anything at all.
That part hasnât really changed.
