For most Americans, a mortgage isn’t just a way to buy a home — it’s the most powerful financial tool they’ll ever use. But here’s what most people never realize:The wealth is in the leverage. When used wisely, a mortgage gives you access to something far more valuable than a house — it gives you […]
You’ve probably heard it a hundred times:“You need a great credit score to get a mortgage.” But what exactly is a “great” score?How much does it really affect your approval — or your interest rate?And what if your score isn’t perfect? Let’s clear up the confusion and give you the truth about how credit scores
Real estate is one of the most powerful ways to build generational wealth.But there’s one lesser-known tax rule that can quietly protect that wealth and pass it on — almost tax-free. It’s called the step-up in basis — and if you own property, you need to understand it. It could mean the difference between your
When it comes to buying a home, misinformation is everywhere — especially when it comes to mortgages.Some of it comes from well-meaning friends.Some from outdated advice.And some… is just plain wrong. Let’s clear the air. Here are the three most common mortgage myths that hold people back — and the truth behind each one. Myth
Refinancing isn’t just about lower payments or shorter terms. It’s about what those savings unlock — and who you get to become because of it. At Stairway Mortgage, we believe your refinance should be part of a bigger story: The story of you building wealth with wisdom, purpose, and power. How Refinancing Can Build Your
You’ve built equity in your home — that’s great.Now you want to put that equity to work, maybe for: Paying off debt Investing in another property Funding a renovation or business venture But there’s one thing you don’t want to do:Risk losing your low rate mortgage in the process. Good news — there are safe,
If you’re shopping for a property — especially as an investor — here’s the #1 way to save time, avoid emotion, and land the right deal: Create a buy box. A buy box is your personal set of buying criteria — it filters out everything that doesn’t fit your goals, budget, and strategy. It’s how
Want to move faster, avoid expensive mistakes, and actually enjoy the real estate process? Build your team before you need it. Because buying or investing in property isn’t a solo sport — it’s a team game. And the people around you determine your speed, your results, and your peace of mind. Let’s walk through the
Let’s get this out of the way right now: You do NOT need 20% down to buy a home. You can put 20% down if it fits your goals… But you don’t have to. And for many people — especially first-time buyers — it might even slow you down unnecessarily. Let’s unpack what’s really going
If you want to build a real estate portfolio, retire early, or just make smarter decisions with your home… You need a vision. Not a random “someday” plan — a clear picture of what you want over the next 5 years. And one of the most powerful tools to keep you focused and inspired? A
Every time you buy a property, you’re making a choice — even if you don’t realize it. You’re choosing between: Comfort (buying for how it feels), or Cash flow (buying for what it pays) The key is knowing which one you’re choosing — and what you’re giving up in return. Let’s break down the difference