Paulo Rodriguez - Mortgage Specialist

09/01/2026

Waiting for a lower rate? Here is why you shouldn't wait for mortgage rates to come down significantly.

08/06/2026

Torn between buying a home now or holding out for the perfect moment? Trying to time the market rarely works. Rates, prices, inflation… These variables are all beyond your control. So, if you want or need to move, focus on your numbers instead. Because… “Ultimately, whether it’s a good time to buy comes down to your personal financial readiness.” If the math works, you can move. It’s that simple. Let’s chat if you want help thinking it over. No pressure, just perspective.

07/22/2026

A lot of buyers and sellers are holding back right now because they're worried we're headed for another 2008. But look at the numbers.

In 2008, homeowner equity and mortgage debt were nearly identical. That means, if someone hit a rough patch, they had almost nothing to fall back on. That's part of what made that crash so bad.

Today? Home equity is at $34.9 trillion. Debt is at $14.4 trillion. So, homeowners aren't stuck. They have equity built up in their homes – which means if they needed to sell, many could and they’d still come out ahead. They have a cushion.

This isn’t a crash. Today’s market still has a solid foundation.

And if worries about a crash have been keeping you on the sidelines, it might be worth having a conversation about what a move could look like for you right now.

07/06/2026

Foreclosures are rising and here's why I'm not worried.

If you have a friend, client, colleague, or family member looking to purchase or refinance, please don't keep me a secret!

06/22/2026

A few years ago, sellers could say "no" to just about everything a buyer asked for.

No repairs.
No concessions.
No negotiation.

Today? The market looks a little different.

Zillow says 67% of sellers pay some or all of their buyer's closing costs.

That doesn't mean every seller should do it. But it does mean the most successful sellers today understand something important:

The market has shifted. And that's means negotiation is back on the table.

Sometimes helping with closing costs makes sense. Sometimes another concession is the better move. But it’s normal for today’s market to require some give and take.

The key is knowing what buyers are asking for in your area, and which compromises are actually worth making.

05/04/2026

How is the Iran war affecting the housing market?

If you have a friend, client, colleague, or family member looking to purchase or refinance, please don't keep me a secret!

05/03/2026

03/02/2026

If you or your buyers are waiting for lower mortgage rates, you should probably watch this market report.

If you have a friend, client, colleague, or family member looking to purchase or refinance, please don't keep me a secret!

01/06/2026

Did you know that if you were wise enough to rent instead of buy at the top of the market in 2006, and you never bought since, you would still be WAY WORSE OFF than someone who bought at the top of the 2006 market (like me)?

That's why in this monthly report I cover why buying at the worst time still beats renting.

If you have a friend, client, colleague, or family member looking to purchase or refinance, please don't keep me a secret! :)

12/01/2025

3 Reasons The Housing Market Is On The Road To Recovery

That's what's covered in this monthly market report.

If you have a friend, client, colleague, or family member looking to purchase or refinance, please don't keep me a secret!