Carese Busby - Senior Loan Officer, NMLS #619429 - Movement Mortgage

06/17/2026

Everyone wants a simple answer to rent versus buy.

But the better question is: what is your money doing for you?

Renting is not always the wrong move. Buying is not always the right one.

If renting gives you flexibility to grow, build income, invest elsewhere, or make a smarter move later, that can be strategy.

And owning only works if the numbers actually support the life you are trying to build. A mortgage alone does not create freedom. A plan does.

It’s not rent versus buy.

It’s strategy versus no strategy.

06/14/2026

5.0 star review received on Experience.com for Carese Busby by Jeffory W - Good communications and products offered met my needs

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06/12/2026

5.0 star review received on Experience.com for Carese Busby by Hunter E - Carese and Heather were truly amazing and communicative. They navigated bumps in the road with ease and offered great advice and support to both myself and my clients. I highly recommend Carese and her team to any buyer, whether you're a first-time homebuyer or an investor. They are always a strong move!

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06/11/2026

If you're making more money than you've ever made and still feel broke, it's likely not your income. It's your strategy.

A few quiet mistakes I see all the time:

Lifestyle inflation. Prices go up, you keep paying them, and you don't realize how much you've added to your monthly spending.

Money sitting idle. Cash in a low-interest account is losing value every month to inflation. If it isn't earning, it's shrinking.

No clear plan. A lot of high earners play defense instead of offense. Real estate can help. It builds equity, gives you leverage, and forces savings in a way most accounts don't.

If you're making good money but not feeling it, the fix is usually in the strategy.

06/10/2026

Mortgage debt is good debt. And one of the quiet details most people miss is what happens when you pay your house off completely.

Once that loan is gone, you forever lose the ability to write off the interest on that home. Thanks to the Tax Cut and Jobs Act of 2017, the key phrase is acquisition indebtedness. As long as your mortgage traces back to when you bought the house, the interest stays deductible up to $750,000.

But the moment you pay it off and later pull cash out to buy a boat, a car, or anything else, that interest is no longer deductible.

Worth thinking through before you make that final payment.

06/08/2026

Waiting to buy in 2026 will be the biggest mistake you ever make.

Almost every buyer I talk to asks me the same thing. Should I buy right now? The market seems to be in flux.

Here's the truth. You are never, ever going to perfectly time the market. It's not timing the market. It's time in the market.

Waiting can feel like the safe choice. But mortgage rates move. Prices move. The economy is always fluctuating.

The goal isn't perfect timing. The goal is smart decision making and a sound financial strategy.

If you're thinking about buying this year, let's talk through what makes sense for your situation.

06/05/2026

A lot of seniors are stuck in the wrong house, holding onto a 3% rate they can't bring themselves to give up.

The reverse for purchase program is built for exactly this. Sell the house. Roll the equity into the new one. Use a reverse mortgage to cover the rest. No monthly payment, and you're finally in a home that fits the life you want to live now.

Full episode on my YouTube!

06/04/2026

There’s a critical difference between a HELOC and a reverse mortgage most people don’t understand, until it matters.

When the Southern California fires hit, clients who had lost their homes still had access to the money in their reverse mortgage line of credit.

It's federally insured and federally guaranteed, which means the line of credit doesn't disappear when the house does. A traditional HELOC, on the other hand, would have been frozen.
That detail blew a lot of financial advisors away. Michael Joy explains why.

Full episode on my YouTube!

06/03/2026

A lot of homeowners over 62 are sitting on equity they’ve spent decades building… but nobody has ever explained all of the options available to them.

Then the bucket keeps growing. Tax-free. Somewhere in the 6 to 7% range every year. It's one of the most overlooked tools in retirement planning, and Michael Joy explains exactly how it works.

Full episode on YouTube. Link in bio!

06/01/2026

5.0 star review received on Experience.com for Carese Busby by Chance W - Very clear through the process and not one hiccup.

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