Andrew Adams at Guaranteed Rate NMLS: 114591

07/01/2026

Is this the one thing we can finally agree on? 📌

President Trump just announced a move to ban Wall Street firms and large institutional investors from buying up single-family homes. The message is clear: “People live in homes, not corporations.”

We know the drill—usually, an idea from one side is immediately torn down by the other. It’s the nature of our current political climate. But let’s look at the core of this:

On the Right, this is about protecting the American Dream, promoting private homeownership, and ensuring that families—not faceless entities—own the land.

On the Left, this aligns with long-standing calls to curb corporate greed, stabilize housing costs, and stop "big money" from outbidding everyday workers.

If both sides claim to champion the middle class and the "little guy," how can anyone on either side of the aisle take issue with this? If we can’t agree that a family’s first home shouldn't be a line item on a hedge fund’s balance sheet, what can we agree on?

Let’s talk about it. Is this the common ground we’ve been looking for, or is there a catch? 🏠🇺🇸

04/01/2026

Seller concessions are popping up again, and I keep hearing the same reaction: “That feels sketchy.”

It’s not.

It’s just the market finding its equilibrium. In a changing landscape, we’re seeing a classic tug-of-war:

Buyers are focused on long-term affordability and lower monthly payments.

Sellers want to protect their home’s "sticker price" and equity.

Concessions are the bridge. They aren't a red flag; they are a strategic tool that allows both parties to walk away with a win.

The key to navigating them is identifying exactly what the concession is solving for you:

Lowering your "Cash to Close": Keeping more liquid savings in your pocket.

Buying down the rate: Structuring a lower monthly payment for the life of the loan.

Renovation flexibility: Creating a budget for immediate updates post-closing.

Once you understand the function of the credit, the "sketchiness" disappears and is replaced by clarity.

Are you seeing more credits in your neighborhood lately? Let’s look at the numbers and see what they’re actually doing for the bottom line.

21/12/2025

"They let you get so far, only to pull it away."

If you’ve seen Finding Forrester, you know the scene. If you’ve been watching interest rates this year, you know the feeling.

We are approaching a critical moment: The PCE report on December 23rd.

This year has been defined by false starts. We watch rates ease, optimism build, and then—snap back. It’s been exhausting. But despite the string of almost-moments, I have a gut feeling that we are inching toward a genuine turning point.

Maybe it’s just stubbornness, but I believe the data on the 23rd could finally bend the trend in our favor.

I’m choosing to end the year with optimism.

Will the 23rd be the pivot we've been waiting for?

20/12/2025

Just because you can borrow it, doesn’t mean you should.

I learned this lesson the hard way in 2008.

I confused "Amount Approved" with "Amount Affordable." They are not the same thing.
• Approval = What looks good on a spreadsheet.
• Comfort = What feels good when the auto-pay hits.

Buy the house, but keep your life.

Drop a "💯" below if you agree that peace of mind is worth more than square footage.

19/12/2025

Is Buying a Fixer Upper Still Worth It?

14/12/2025

Buying a home is rarely one big decision.
It’s dozens of small ones stacked together.
If this week raised more questions than answers, that’s normal. Clarity comes in layers.
Enjoy your Sunday. We’ll figure the rest out together. 🌤️

13/12/2025

Not every home that needs work is a money pit.

And not every shiny listing is low-maintenance.

I’ve seen homes surprise people both ways.

Understanding what kind of work a home needs is half the battle. Financing is the other half.

If you’re touring this weekend and want a quick gut-check, message me

09/12/2025

The Fed is widely expected to drop the Fed Funds rate tomorrow. Good news, right? Maybe... but not necessarily for mortgage rates.

Mortgage rates don't move after the announcement. They usually improve before it, when the market prices in expectations. That hasn't happened this time, which means, at least for now, your guess is as good as anyone's about how mortgage rates will react.

And let's be real: most people aren't tracking rates day-to-day. Even those of us in the industry blink and something moves.

That's why we rolled out a new rate-tracking system. You set your target savings... and we'll simply notify you when the market hits it. No charts, no daily watching, no missing the moment.

If you're like most folks and don't want to babysit the mortgage market, grab your personal rate alert. It's free, and it keeps you from leaving money on the table.

https://alert.rate.com/refi?emp-id=28826

19/10/2025

Rent vs. Buy isn’t a moral argument — it’s a math + behavior argument.

A new WSJ piece highlights a growing trend: younger adults are choosing to rent and invest instead of stretch for a house. With high prices and a strong stock market run, I get why that message is spreading.

But the strategy only works if you actually invest the difference — consistently, over years — instead of “meaning to.”

Homeownership forces discipline:
You build equity even if you do nothing else right.

Renting requires discipline:
You must choose to invest every single month, and most people don’t.

Neither path is “right.”
One is automatic, the other is optional. And that difference matters.

Owning a home has traditionally been the way for U.S. households to build wealth. But today’s high property prices mean younger people either can’t afford to get on the property ladder or think they can earn a better return elsewhere. https://on.wsj.com/3IKpyAP

Influencers on social media are weighing in. Their message: Don’t stretch to buy a house at today’s prices. Rent and invest your cash instead.

The debate over renting vs. buying is longstanding and hotly contested. An extended stretch of buoyant stock markets adds an extra dimension to it.

Many younger investors only know a time when stocks have returned on average about 14% a year, well above historical norms. And the stock market today is anything but a bargain: The S&P 500 is almost as expensive today, based on its price/earnings ratio, as it was on the eve of the dot-com bust.

Yet a wider gap between the cost of owning and renting has bolstered the argument for renting and investing. And it is doing so as young people are drawn to investing thanks to meme-stock social-media chatter, the crypto boom and zero-commission trading apps such as Robinhood Markets.

A JPMorgan Chase report found that 37% of 25-year-olds used investment accounts in 2024, up from 6% of the age group in 2015. A sixfold increase in the number of young people investing in the stock market over the past decade suggests a shift in the way they think about building wealth.

🔗 Read more: https://on.wsj.com/3IKpyAP

17/10/2025

Every Home Is Move-In Ready with the Right Loan (and a Little Vision)

In a market like Greater Boston, finding “the one” can feel impossible.
But what if you didn’t have to wait for perfect — just potential?

That’s where renovation loans come in.
They let you roll your purchase price + improvement costs into one loan, one payment, one plan.

✅ FHA 203(k) — Low down payment, flexible credit
✅ HomeStyle — Customize your conventional loan
✅ CHOICERenovation — Great for modernizing or energy upgrades
✅ VA Renovation — No down payment, all potential

If you’ve ever said, “I’d buy it if only it had ____,” this might be your sign to look again.

Renovation loans let you roll the cost of repairs or upgrades into your mortgage — one loan, one closing, one plan. For Massachusetts homebuyers, these programs make it easier to take a “good bones” home and turn it into the space you’ve been dreaming of, without juggling multiple loans or c...

18/09/2025

📉 The Fed just cut rates by 0.25%. Sounds like mortgage rates should be better today, right? Not exactly.

Here’s why: mortgage rates have actually been improving since mid-to-late August. So when the Fed made the cut, it wasn’t a surprise—the market had already priced it in. In fact, today’s rates are a little worse, not better.

That’s the trap many people fall into—waiting for the Fed to “make their move” before they make theirs. By the time the Fed acts, the market has usually already moved.

✅ The smarter play? Be proactive. Set a Strike Rate with me.
When your personal target rate hits, we can lock it in—no guessing, no scrambling, no missed opportunity.

Be ready when the window opens, not after it closes.

📲 Message me today and let’s set your strike rate.

31/08/2025

What are points and should you pay them?