What happens to your home when you pass away? Understanding the difference between a will and a trust is essential for protecting your family's future and your wealth. In this video, we break down the four most common scenarios: • Mortgage Obligations: If you still have a mortgage, those payments…
Kevin Brierton Team (a Division of Luminate Bank) presents a helpful update for homebuyers getting ready for spring market season. In this episode, Kevin Brierton, host of the No Excuse Pro Podcast, explains why a mortgage pre-approval is not a “set it and forget it” document. A pre-approval is based…
On a $500K home, renting looks cheaper… but the numbers tell a different story. One path builds zero. The other builds over $24,000 in year one through principal paydown and appreciation. That extra $900 per month isn’t a loss… it’s leverage working for you. If you’re thinking about buying in…
Most people think lowering taxes means working harder, finding more write-offs, or hoping their CPA pulls a rabbit out of a hat. But some high-income earners are using short-term rentals as a strategy to create major tax deductions while also building cash flow. The key is understanding how the property…
I noticed that smart buyers are taking advantage of the market right now even though interest rates are up. Smart buyers are making offers and negotiating with sellers. If you like the home I encourage you to make the offer start the negotiation process.
One thing I’ve noticed is that wealthy people usually do not rush to pay off their biggest debt first. There’s a reason. Let’s say you have: A $30,000 car loan at 7% A $400,000 mortgage at 6% Most people assume the mortgage should get the extra money. But that often…
The fastest way to get out of debt isn’t always the way people think. Most people are told to pay off the highest interest rate first. On paper, that sounds smart. But in real life, that’s not always the method people stick with. The debt snowball focuses on paying off…
This is your No Excuse Pro Saturday Strategy: your weekly clarity break. One tip, once a week, to help you close more business while servicing at an even higher level, delivered in 2 minutes or less. Rates moved sharply higher on Friday, and when that happens, affordability can change fast…
Would the you of 12 years ago be grateful for what you have now? Often times we have a lot more than we had in the past, but we forget how far we’ve come
March 2026 Mortgage Market Update | What’s Happening and What It Means for You The market has been moving fast over the past few weeks, and there are some important shifts happening that could impact your buying power, timing, and overall strategy. In this update, I break down what’s really…
Using AI to buy and sell real estate? A man in Florida says he used AI to help him sell his home from start to finish Here’s my take on it… comment below on what you think 🤔
I have noticed it’s a great buyers market right now Real time examples: We just got a client a new roof 🙌 Seller credit $24,000 in rate by downs⬇️ Our buy before you sell solution, allowed our client to obtain the property $150,000 below a previous appraisal 😁 comment PLAN…
Thinking about buying a home in 2026 but worried about the down payment? You’re not alone—and the good news is, there are programs designed to help. In this video, Kevin Brierton, the No Excuse Lender, breaks down the down payment assistance (DPA) programs available this Spring 2026 and how they…
Thinking about buying real estate in 2026? Read this first. 🛑 The market has shifted, and what used to be a "good deal" is now a fast track to losing money. In this video, I’m breaking down the 5 specific property types that will eat your equity and leave you…
