You Do Not Need 20 Percent Down to Buy a Home and This Belief Is Holding Too Many Buyers Back
Loan programs, DPA and seller concessions reduce upfront costs. Josiah Burdge explains your real down payment options now. ...more
Mortgage
October 05, 2026•3 min read
Should You Buy Now or Wait for Rates to Drop and Here Is Why That Question Has a Hidden Cost
Lower rates bring more buyers and fewer concessions. Josiah Burdge explains why timing your situation beats timing the market. ...more
Mortgage
October 05, 2026•2 min read
Buyers Are Getting Negotiating Power Back in 2026 and Here Is How to Use It Before It Disappears
Longer days on market, price cuts, seller concessions available now. Josiah Burdge explains how to structure offers today. ...more
Mortgage
October 05, 2026•3 min read
Adjustable Rate Mortgages Are Not What They Were in 2008 and Here Is What Buyers Need to Know Now
Fixed periods, strict guidelines, clear caps. Josiah Burdge explains when an ARM actually makes sense for your situation. ...more
Mortgage
October 05, 2026•3 min read
The Fed Did Not Change Mortgage Rates and Here Is What Actually Drives Them Up and Down
10-year Treasury not Fed funds rate drives mortgages. Josiah Burdge explains why waiting for Fed meetings backfires. ...more
Mortgage
September 23, 2026•2 min read
Buying Your Next Home Before You Sell Your Current One Might Be the Right Move Right Now
Sell and buy as one move not two. Josiah Burdge explains how buyer leverage changes the math for move-up homeowners. ...more
Mortgage
September 22, 2026•3 min read
Atlanta Has 41000 Homes for Sale and Only 20000 Active Buyers and Here Is What That Means Right Now
More homes than buyers in Atlanta creates rare leverage. Josiah Burdge explains why agents should act before it shifts. ...more
Mortgage
September 21, 2026•2 min read
Stop Assuming a Price Reduction Is the Best Thing a Seller Can Give You and Here Is Why
$10K off price saves $50 monthly but $10K in concessions can save $150 or more. Josiah Burdge explains the difference. ...more
Mortgage
September 18, 2026•3 min read
A Price Cut Does Not Mean Every Seller Is Ready to Accept a Lowball and Here Is How to Find Leverage
Not every cut means lowball room. Josiah Burdge explains where real negotiating leverage actually is. ...more
Mortgage
June 26, 2026•4 min read
