Baron O'Brien- National Business Development Manager

06/18/2026

POV: You’re about to buy a home and nobody explained THIS part yet 👀🏡

There’s a lot lenders don’t talk about upfront…
Like how shopping rates won’t destroy your credit, why your monthly payment matters more than your max approval, or how closing costs can sometimes be negotiated. 👏

The truth?
An informed buyer makes better decisions, and saves more money long term.

Before you sign anything, make sure you understand:
✔️ APR vs interest rate
✔️ Loan estimates
✔️ Debt-to-income ratio
✔️ Down payment strategy
✔️ What pre-approval actually means

Buying a home is one of the biggest financial decisions you’ll make. You deserve transparency through the entire mortgage process. 🤝

Save this for later, share with someone house hunting, and DM with your questions anytime. 📩



first time home buyer | mortgage tips | home buying process | pre approval | mortgage education | home loan | closing costs | debt to income ratio | loan estimate | house hunting | mortgage lender | homeownership | real estate tips | APR vs interest rate | down payment tips

06/17/2026

The average first-time homebuyer used to be 29.
Today, that number is 40.

That is not laziness. That is not a generation that does not want to own.
That is a market that has made the path longer for millions of people.

Student debt. Stagnant wages. Rising prices. Competing with cash buyers.
Being told "not yet" for years, until they stopped asking.

But here is what the data also shows.
People are still buying. Every single year.
Many of them were told it was not possible for them either.
They found a way anyway.

If you are in your 30s, 40s, or beyond and you still have not bought yet, this market is not too late for you.
In a lot of ways, you are more ready now than you would have been then.

Save this. Share it with someone still sitting on the sidelines.

Source: National Association of Realtors, 2025 Profile of Home Buyers and Sellers.



first time homebuyer | buying a home | home buying tips | mortgage advice | housing market | real estate | late buyer | homeownership goals | first home | mortgage tips

06/17/2026

Parents want to take care of their kids. That instinct is everything.

But gifting your home to your children while you are alive, without a strategy, can cost your family more than most people make in a year.

Here is the part nobody talks about:

When your children inherit a home after your death, they receive what is called a stepped-up basis. They only owe capital gains tax on appreciation that happened after they inherited it. If you bought your home for $80,000 and it is worth $450,000 when you die, they owe nothing on that $370,000 gain.

If you gift it to them while you are alive? They inherit your original cost basis. That $370,000 gain becomes fully taxable. At a 15% capital gains rate, that is a $55,500 tax bill. At 20%, it is $74,000.

On top of that: if you ever need Medicaid-funded nursing home care, gifts made within five years can disqualify you. The home you gave away could come back to haunt your eligibility for the care you need.

And once you sign that deed, it is their home. Their creditors. Their divorce. Their estate if they pass before you do.

A revocable living trust, a life estate deed, or a transfer-on-death deed can give your family the exact same outcome with a fraction of the risk.

The intention behind this is love. But love without strategy can cost your family everything you worked for.

Save this. Share it with any parent who owns a home.

*We are not attorneys or tax professionals. This content is for educational purposes only. Please consult with a qualified estate planning attorney and tax professional for advice specific to your situation.

estateplan | homeownership | gifttax | capitalgains | livingtrust | realestate | familywealth | mortgagetips | parentfinance | protectyourhome

06/16/2026

PRMG Earns Scotsman Guide Top Lender National Recognition 2026!

PRMG is proud to announced it has been named one of the nation’s Top 15 Mortgage Lenders in Scotsman Guide’s Top 2026 rankings. Click here to see all rankings.

06/15/2026

Nobody told you this: you do not need 20% down.

That number has been the single biggest myth keeping buyers on the sidelines for years.

At median income in San Francisco, saving a 20% down payment takes roughly 14 years. In Columbus, Ohio? Under 4 years.

But here is what actually matters: most loan programs require far less than 20%.

FHA: 3.5% down. Conventional: as low as 3% down. VA: zero down. USDA: zero down. And there are down payment assistance programs that can cover part or all of that depending on where you live and what you earn.

The myth of the 20% down payment has kept millions of qualified buyers renting for years longer than they needed to.

If you are waiting until you have 20% saved: please, let us show you what you actually need.

Follow for more mortgage education.

Source: Zillow Research and ATTOM Data Solutions.

downpayment | housingmarket | homebuying | realestate | savingmoney | downpaymentassistance | mortgagemyths

06/12/2026

The American Dream didn't disappear. It just stopped looking the same for everyone.

A suburban house on one income was never the dream itself, stability, community, and ownership were. And 65% of Americans still believe homeownership is part of the American Dream, even after everything the last few years threw at the market.

The path is harder now. But the buyers winning aren't waiting for perfect conditions. They're relocating strategically, co-buying with family, choosing multi-family properties, and getting creative with financing.

The market moved the door. It didn't close it.

06/11/2026

06/10/2026

35 PRMG Wholesale Account Executives Earn Scotsman Guide Honors as Company Marks 25 Years!!

PRMG is proud to announce 35 wholesale account executives have been recognized in Scotsman Guide’s Top 2026 rankings. Click here to see the honorees.

06/10/2026

Nobody teaches you this stuff until it's too late.

Most homeowners with a mortgage assume their family is covered when they die. The house will just pass to them. Someone will figure it out.
That is not how it works.

The loan still exists. Payments still need to be made. And if there is no legal plan in place, probate court gets involved, the process can drag on for months or years, and even close families can end up in conflict over a home they all love.

A will helps, but most people do not realize a will still goes through probate.

A properly funded living trust avoids it entirely.
The key word is funded. We see it all the time, people set up a trust and never actually put the house in it. That is like buying a safe and leaving your valuables on the kitchen counter.

Estate planning is not just for the wealthy. It is for every homeowner who wants to protect their family and the home they worked for.

Save this post and share it with someone who owns a home and does not have a plan yet. It might be the most important thing they read this year.

*We are not attorneys or tax professionals. This content is for educational purposes only. Please consult with a qualified estate planning attorney and tax professional for advice specific to your situation.

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06/09/2026

Everyone is watching mortgage rates. But most buyers are focused on the wrong thing.

The rate matters. It absolutely does. But it is one variable in an equation with a lot of moving parts.

Here is the part most people miss: waiting for rates to drop is not free. Every month you wait, rents keep going. Prices can keep moving. The equity you could be building keeps going to someone else.

There is a reason real estate professionals have been saying "date the rate, marry the house" for the last two years. You can refinance a rate. You cannot refinance the purchase price you missed.

What you actually can control: your credit score (which directly affects your rate), your down payment (larger down often means better rate), your loan type (FHA, conventional, VA, USDA each have different rate structures), and your lender (not all lenders offer the same rates).

Rates are a piece of the puzzle. Strategy is the puzzle.

What's your biggest question about rates right now? Drop it in the comments.

mortgagerates | homebuying | realestate | mortgagetips | interestrates | refinance | housingtips
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