Author: josh

Buying or selling a home in a Homeowners Association (HOA) community comes with an extra layer of required paperwork, and missing even one document can delay your closing. These materials, often called the resale package, explain the community’s rules, financial health, insurance coverage, and any fees tied to the property, giving buyers and sellers a clear picture of what they’re signing up for.  Whether you’re closing in Orlando, FL, Los Angeles, CA, or Phoenix, AZ, this guide walks through what documents are needed, how to get them, who typically pays, and what to look for before signing. What is an…

In This Article This article is presented by TurboTenant. Maintenance might be one of the biggest challenges landlords face. Whether it’s a true emergency or a Sunday afternoon text about a light bulb, keeping up with rental maintenance requests can quickly eat into your time and sanity. If you’ve ever had your phone buzz at 2 a.m., you know what I mean. Rental maintenance requests are a necessary part of owning property, but they don’t have to run your life. What Doesn’t Work Every landlord has a story about that middle-of-the-night message. You know the type: There’s a leaking faucet,…

Prat Vemana, the chief information and product officer for Target, this week experienced something brand new as a shopper. He bought sleepwear through the retailer’s app in OpenAI’s ChatGPT.The C-suite executive’s new shopping behavior reflects a seismic shift happening for retailers as they head into Black Friday and a holiday season that’s projected to surpass $1 trillion in spending for the first time in the U.S. Shoppers who have spent the past few decades migrating to web-based shops, then to mobile commerce, and shopping and discovery on TikTok and other social media platforms, are evolving again. They are now beginning…

Don’t buy in good school districts. Always end your leases in winter. NEVER raise rents on a tenant.These are just some of the “Dionisms” that have made Dion McNeeley, the so-called “lazy investor,” rich with rental properties. He achieved financial freedom, retiring early with a $200,000/year passive income after slowly, steadily, and lazily investing for the past decade.Want to never swing a hammer? You don’t have to! Want tenants to stick around as long as possible? They will! Too scared to have the rent raise talk? Let Dion do it for you! In this episode, we’re breaking down the ten different “Dionisms” (unconventional landlord advice) that have literally made Dion millions and can do the same for you.Dion…

A dry closing is a closing where all documents are signed, but the transaction isn’t funded on the same day. The lender typically wires the funds the next business day, after completing final reviews. Until the money arrives, the buyer doesn’t legally take ownership and the seller doesn’t receive payment.  Dry closings are allowed in some states and prohibited in others. While they can prevent delays when lenders need more time, they also introduce risk and logistical challenges for both buyers and sellers. Whether you are closing in Dallas, TX, Atlanta, GA, or Sacramento, CA, learn how a dry closing…

If you’re planning to buy a home, getting preapproved for a mortgage is one of the most important early steps. But many buyers don’t realize these letters don’t last forever — and an expired preapproval can slow down your home search, whether you’re exploring a home for sale in San Diego, CA or eyeing a charming house in Seattle, WA. This Redfin article breaks down how long a mortgage preapproval lasts, how to stay eligible while it’s active, how to extend it, and what lenders look for when renewing your letter. How long does a mortgage preapproval last? A mortgage…

I’m on the spectrum. I’m dyslexic. I’m a CEO. I’m a Senior VP. I’m an actor. I’m fill-in-the-blank. America is the land of labels. And yet, as the number and intensity of the labels we wear have grown, so has our collective crisis of health — mental, physical, and even spiritual. Our diagnoses, our maladies, our jobs, our titles, our sexual preferences — these are all real, but they do not define us. Or at least, they shouldn’t — because if our labels define us, we’re also confined by our labels. When we live inside our designations, we shrink the…

Dave:Imagine you have a super low mortgage, like two or 3%, which is not only locked in for 30 years, but you can also take it with you when you move to a new house. It sounds amazing, right? This is the idea behind portable mortgages, the latest concept to help unlock the housing market and improve housing affordability. That’s currently being explored by the Trump administration, but will portable mortgages actually work? Is it feasible to implement them in the United States, and if so, who will benefit today we’re digging into portable mortgages. Hey everyone, welcome to On…

In This Article Remarkably, Fannie Mae has officially removed the 620 minimum FICO requirement for Desktop Underwriter (DU) submissions, aligning their approach with Freddie Mac’s LPA as of Nov. 15. Approvals are now determined entirely by DU/LPA findings rather than a hard credit score cutoff. Strong compensating factors have the largest impact toward obtaining A/E findings—e.g., larger down payments, shorter terms, excess assets, etc. Within the first week, some top national lenders reported the following:  Many approved applications came in with sub-620 FICOs—roughly 6% of overall application volume—with some as low as 490. Several brokerages have already begun reevaluating their…

President Donald Trump will propose a two-year extension to enhanced subsidies under the Affordable Care Act to avoid a massive spike in premiums next year, sources told Politico.The proposal would require a minimum premium payment and limit eligibility for the subsidies, which come in the form of tax credits, to enrollees with income up to 700% of the federal poverty line, the report said. The administration is also seeking an option that would let enrollees to get part of their tax credit through a savings account, according to Politico. That’s after Trump had suggested earlier that consumers receive subsidies directly.The…