Hey there, The Fed cut rates this week. Not a surprise. But here’s what is surprising… Mortgage rates actually went UP. That’s not a typo. And while the media will run wild with “rate cut = time to refinance,” the truth is… it’s not that simple. But — this is…
Should you pay off your mortgage early—or keep it and invest the extra cash? 🤔 In this video, Kevin Brierton, your No Excuse Lender, breaks down the pros and cons of paying off your home loan ahead of schedule. You’ll learn: 🏠 When paying off your mortgage early makes sense…
We discuss the pros and cons of paying off your mortgage, exploring key financial considerations: 1. safety 2. liquidity 3. returns We break down why simply paying off your house might not always be the best financial strategy and encourage viewers to carefully analyze their specific financial situation.
If your property pays for itself, you can qualify — even without a job or W-2s. Learn how smart investors are scaling portfolios with no income docs. Read more here https://kevinbrierton.com/how-dscr-loans-are-helping-investors-buy-more-properties-without-tax-returns/
Quick video breaking down a powerful strategy every agent working with investors should understand — the DSCR loan This program allows investors to qualify without tax returns, based purely on the rental income the property generates. Whether it’s a purchase, cash-out refinance, or even a second mortgage, this tool can…
Welcome to your October Mortgage Market Report with Kevin Brierton — your No Excuse Lender! In this quick update, Kevin shares what’s going on in the mortgage and real estate markets right now — from interest rate trends to buyer activity and what it all means for you whether you’re…
Happy Saturday! This week’s Saturday Strategy is all about the Three-Sided Balance Sheet — a simple but powerful framework to help you better serve your clients and strengthen your referral network. Every real estate transaction involves three key players on a client’s wealth team: 🏠 The Realtor – guiding the…
If you’re buying a home, you’ve probably heard the terms earnest money and down payment—but do you know the difference? 🤔 In this video, Kevin Brierton breaks down exactly what each one means, when they’re due, and how they fit into your homebuying journey. Here’s what you’ll learn: 🏠 What…
This week’s Saturday Strategy is all about the federal government shutdown and what it means for your buyers and closings already in motion. Both Fannie Mae and Freddie Mac have issued guidance, and while the mortgage market is still open, there are a few key areas where we could see…
You accepted an offer on your home—congratulations! 🎉 But what actually happens next? In this video, Kevin Brierton walks you through the step-by-step process after accepting an offer, including: ✅ The home inspection ✅ The appraisal ✅ Loan approval ✅ Title & escrow ✅ Closing day Whether you’re a first-time…
Gratitude VS Automation. In a world full of AI and automation, the human touch matters more than ever. That’s why I still do video AND text—to stay real, stay personal, and stay connected. Take 60 seconds this weekend to reflect, reach out, and say thank you to someone in your…
What’s Your Why?If we don’t pause to reflect on why we’re doing all this—what’s it really for? It’s not just about deals, dollars, or deadlines. It’s about impact, legacy, and the people who matter most. This week, take 60 seconds to revisit your bigger picture—and let someone know you’re grateful…
Your Legacy Starts Now. This week, I’m reminded how fragile life is—and how important it is to live with purpose. Homeownership isn’t just a transaction; it’s a tool to build legacy, stability, and freedom. 🙏 Take a moment to reflect. And let someone in your world know you’re grateful for…
This week hit hard—9/11 reflections and the passing of Charlie Kirk reminded me how short and sacred life is. I’m grateful for the people I get to do life and business with. Take 30 seconds today to text a client, a friend, or a family member… just to say thank…
As we reflect on this past week—marked by the anniversary of 9/11 and the unexpected passing of Charlie Kirk—I’ve found myself thinking a lot about legacy, purpose, and gratitude. Here are three thoughts I hope inspire you this weekend: 1. I'm grateful for you. Thank you for being part of…
It's not always about the lowest interest rate. The right rate with the wrong strategy could cost thousands. Keep an eye on unemployment and the consumer. #interestrates #unemployment #consumerfinance #loanstrategy
Buying your first home can feel overwhelming—but it doesn’t have to be! In this episode, Kevin Brierton, your No Excuse Lender, shares essential tips every first-time homebuyer needs to know. From getting pre-approved, budgeting for more than just your down payment, to working with the right real estate agent—these strategies…
Buyers should be cautious! The anticipated drop in the Fed Funds rate may not directly translate to lower long-term interest rates or impact the 10-year Treasury as much as expected. A lot of this is already priced in. #interestrates #fedfunds #treasury #economy #investing
It's nearly impossible to time the market perfectly in real estate or stocks. The right house is more important than the absolute lowest rate. Find the house you want! #realestate #homebuying #mortgage
Clients need to know interest rates are improving, but volatility persists. Timing the market bottom is nearly impossible. Find the right house and revisit affordability now. #InterestRates #RealEstate #Affordability #Investing #MarketTrends
Navigating home equity loans? Understand the difference between locked and floating rates. It's important to discuss rate expectations with your lender to ensure clarity. Different loan products dictate when and how long rates can be locked. #homeequity #loans #mortgage #interestrates
Treasury yields have decreased by almost half a point since July. Interest rates have also fallen from June/July highs. National averages show a move from higher 6% ranges to the mid-to-low 6% range. #TreasuryYields #InterestRates #economy #finance
Interest rates aren't locked in during pre-qualification. The actual rate is locked once under contract. Shopping for rates without a contract may not reflect the final rate, so understanding the timing is key. #interestrates #mortgagetips #homebuying #realestate
