A Price Cut Does Not Mean Every Seller Is Ready to Accept a Lowball and Here Is How to Find Leverage

Josiah Burdge

Published on: 26/06/2026

Not every cut means lowball room. Josiah Burdge explains where real negotiating leverage actually is.

Mortgage

Your Fixed Rate Did Not Change But Your Mortgage Payment Did and Here Is Exactly Why

Josiah Burdge

Published on: 26/06/2026

Taxes and insurance change your payment even with a fixed rate. David Norris explains what to do.

Mortgage

If You Were Told “No” Because of Credit, Read This

Josiah Burdge

Published on: 15/12/2025

Conventional mortgage credit score rules shifted in 2025. Learn what changed with automated underwriting, why low loan to value can help, and what still matters

Mortgage

4 Common Reasons Mortgages Get Denied in 2025—and How to Avoid Them

Josiah Burdge

Published on: 21/11/2025

In today’s housing market, getting pre-approved is a smart first step—but it’s not a guarantee. According to Josiah Burdge, a seasoned loan officer, "Pre-approval is the beginning of the process, not the finish line. There are still several hurdles that can trip up buyers if they’re not prepared." Here are the most common reasons mortgage applications are denied in 2025—and what you can do to avoid them.

Mortgage