Bill Besher - American Liberty Mortgage, Inc.

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Great Explanation by Brady Mullen about an article that misses the mark from the NY Times.

Here's another example of why institutions struggle with public trust. They keep shooting themselves in the foot.
This NYT article is a good example of taking a hot topic and capitalizing on it by having someone write about it who clearly does not understand the topic at hand.
The article is about renting vs owning, and there is a fundamental error that not only misleads readers, but causes the wealthy to get wealthier at the expense of those who don't know better.
I left a very comfortable 18-year career in finance to work in real estate because I felt I had something to offer. I'm not parroting real estate slogans.
I began working in the real estate industry as my children were becoming adults, and I realized the MOST CRUCIAL financial decisions they will ever make are about the REAL ESTATE in their lives!
🔥 🔥 THE BIG MISTAKE 🔥 🔥
The NYT (and MANY other people) are analyzing the housing market like they'd analyze the stock market. This is SO WRONG.
This can have some utility if you're deciding whether or not to INVEST in real estate, but that is not the point of this article.
This article is talking about having a roof over your head. Here is the difference between analyzing housing vs the stock market: You MUST pay for housing, or you will live outdoors. The question is whether you're buying that home for yourself or for your landlord.
Try this little thought experiment - what if you HAD to have stocks in your possession at the end of any given day or you'd sleep on the sidewalk? You'd have two options, you could purchase the stocks, or you could borrow them from someone who has more than they need for a fee (RENT). Of course, there's no such market for this because you don't really NEED stocks, but that's the point, so hear me out.
In a pinch, renting them could make sense - sleeping on the sidewalk is a pretty lousy option.
But it would NEVER be a reasonable solution to the larger problem! You'd figure out a way to buy what you needed to guarantee you didn't have to give a third of your income away each month to avoid sleeping on the sidewalk.
We often seem to get the QUESTION wrong. The question isn't, "Is it a good time to buy a home?" The question should be, "Is it a good time to give a third of your income to a landlord so I can sleep indoors?" That seems like a much easier question to answer: NO!
Clearly, there are times in our lives where renting can make sense, but it should almost always be based on the temporariness of the situation. If you think you will be moving in less than 2-3 years, then renting could make sense.
But because you think renting is better for your wealth? That is insanity.
And this pervasive idea will put money in the pockets of already wealthy investors at the expense of the scared and uninformed.
Posting the NYT article below:

Rent or Buy? We explain the state of the housing market.

https://www.eventbrite.com/e/noco-realtor-listing-marketing-ce-and-lunch-tickets-756502388007?aff=oddtdtcreator

NOCO REALTOR - Listing Marketing, CE, and Lunch! Join us for an awesome day of marketing tips, continuing education, and a delicious lunch, exclusively for NOCO Realtors!

Feliz Cinco de Mayo!

Mortgage rates are indirectly affected by the Fed's actions, the effects of which aren't immediately felt. So when you hear of a federal rate hike, take a deep breath and contact us for the right steps for homebuyers.

Compared to last month, inflation has decreased while mortgage applications have increased. 🏡📈
What does this mean for you? 🤔
As a consumer, this translates to more purchasing power. If you plan on buying a home this year, you'll be able to get more for your money and pay less to borrow. 💪
Don't hesitate to message us if you'd like to learn more about how these market changes could impact your home-buying journey. 📱

Getting a tax refund? Put it towards a down payment on your dream! 🏡

We offer little to no down payment options. Message us to learn more!

We can serve you from coast to coast!

Why is this a big deal?

1. We can help you get a home in almost any state.
2. Our super simple process goes where you go.
3. You can refer your favorite loan officer to friends and family near and far.
4. We have loan programs for specific states you might not find with other lenders.

And for a closer look at
existing-home sales.

• Increased by 14.5%, ending a 12-month sales slump
• 27% were to first-time homebuyers
• 28% were all-cash transactions
• Properties averaged 34 days on the market

Want to save more monthly and over the life of your loan? Ask about a rate buydown. You could lock in a reduced rate for lower monthly payments now and big savings in interest later, which would also allow you to pay more toward your mortgage loan principal. This also means you could save THOUSANDS of dollars throughout the lifetime of their loan.

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So happy to announce that with becoming a bank, we can lend in 42 states and DC. More states on the way. Our team is happy to be of service however we can.

The VA loan program is about to get EVEN MORE affordable. Tag a veteran to let them know and message us to learn more!

The Fed’s battle to fight inflation continued today with a .25% rate hike. Will we see another hike in May? Tell us what you think.

Did you know that your seller could assist with part or all of your closing costs or assist in buying down your rate? You could save BIG with seller contributions. Ask us how!

Happy news! We are now lending in 42 states and Washington DC!