The quiet parts, out loud.
One take a month, written by the two people whose names are on the door. Everything here is checkable: where we state a fact, we show the source; where we state an opinion, we say so. Agree or disagree, we want to hear it.
“Marry the house, date the rate” is a slogan, not a plan.
The cute line assumes refinancing later will be cheap, which nobody knows. Waiting is a bet too, with rent as the stake. Both camps are guessing.
Read the full take →Issue No. 2 · August 2026Stop shopping for the lowest rate.
Yes, a mortgage brokerage just said that. The penalty formula in the fine print matters more than the third decimal ever will.
Read the full take →Issue No. 3 · August 2026Pre-approved is not approved.
The most expensive prefix in a spring market. Nobody has approved the house yet, and the house has to qualify too.
Read the full take →Issue No. 4 · August 20261.99% wasn’t a market. It was an emergency.
Nostalgia is not a mortgage strategy. Waiting for 2021 is a decision too, and nobody prices it. We did: twenty years of the renewal lottery nets out to about $44 a month.
Read the full take →When it is your own mortgage on the table, we do the boring version: fine print, numbers, plain answers.