MortgageRight- Scott Phillips

04/29/2026

04/24/2026

04/22/2026

🏡Pending Home Sales (signed contracts on existing homes) rose 1.5% from February to March, showing buyers remained active despite higher mortgage rates and signaling ongoing pent-up demand, according to the National Association of Realtors (NAR).

04/21/2026

Let’s get you to the finish line the RIGHT way!

04/20/2026

One of the hardest calls people get is this one:

“Your mortgage was denied.”

And for a lot of buyers, that moment feels final.

I’ve seen buyers get denied by a big bank…

then get approved two weeks later with another lender.

Why?

Because lenders evaluate things differently.

Some are stricter with debt.
Some are better with self-employed income.
Some specialize in buyers with lower credit.

A denial doesn’t always mean you can’t buy.

Sometimes it just means you talked to the wrong lender first.

04/17/2026

Don’t believe the hype! In 2025, over half of my clients put less than 10% down, and 25% of my clients put down 3.5% or less.

04/17/2026

Most buyers focus on getting approved and closing.

But what happens after matters just as much.

💡 Simple tip: Make 1 extra mortgage payment a year.

Here’s how:
• Switch to bi-weekly payments (if allowed)
• Save a little each month to make one extra payment
• Or make one lump-sum payment yearly

That one extra payment can cut down your interest and save you money over time.

It’s not just about the rate… it’s about the strategy!

04/13/2026

The housing market slowed down in April. Buyer activity dropped as mortgage rates moved higher, even though home prices stayed fairly steady.

04/09/2026

🚨 Quick Reality Check on Rates:

Inflation just came in at 3%—right where expected.

Sounds good… but here’s the catch:

👉 It’s still a little too high
👉 The Fed isn’t rushing to cut rates
👉 Mortgage rates = staying higher for longer

Translation:
Waiting could cost you more than acting.

🏡 The best time to buy is when it makes sense for YOU—not when headlines say “perfect.”

04/08/2026

Most people look at buying a home and only see one thing…

💸 “What’s the monthly payment?”

They’re thinking:
• Down payment
• Closing costs
• That monthly number

And that’s it.

But here’s what a lot of people don’t realize until later…

Owning a home isn’t just about having your own place.

It can actually work for you financially too.

Then tax season rolls around and suddenly it’s:

👀 “Wait… THAT counts?!”
• Mortgage interest
• Property taxes
• Potential capital gains break down the road
• Even a home office write-off (if you qualify)

That’s when it clicks 💡

Buying a home isn’t just a “monthly payment” decision…

It’s part lifestyle upgrade
AND part long-term money move.

That’s why I always tell my clients 👇
Don’t just look at the payment… look at the full picture.

Because owning can do way more for your future than most people think.

DM me to find out more!

04/07/2026

Come check out this Beautiful Open house Sunday 2-4!