Press coverage, essays, and how we actually think about mortgage decisions.

Good Debt vs Bad Debt: What the Difference Means

Good debt buys something that grows and carries a payment that fits. Bad debt fails one or both. The two-question test David Kakish runs on every loan.

Are Mortgage Points Worth Buying Right Now?

David Kakish on why the rate reduction a discount point buys isn't fixed — and why asking for the zero-point rate first is the only way to compare loan offers apples to apples.

What Mortgage Points Really Cost Right Now (And the Pricing Quirk That Can Work in Your Favor)

Three lenders quoted three prices for the same rate on one loan file. A real look at what mortgage points cost now, and a pricing quirk most buyers miss.

Closing Early vs. Late in the Month: Do You Actually Skip a Mortgage Payment?

An agent scheduled a closing for the 1st to give the buyer two “free” months. It almost sank the deal. Here is what closing early actually changes: your first payment date and your cash to close.

Why We Tell 1 in 5 Clients to Wait, and What We Ask Them to Do While They Do

The pattern we see most often isn't people who can't qualify. It's people who've never actually felt what the payment would do to their life. There's a way to find out before you commit.

From Ministry to Mortgage: Building Anchor Home Loans

David Kakish on the Chasing Excellence podcast: the path from ministry to founding Anchor Home Loans, and the philosophy behind how he advises clients.

2-1 Buydown or Price Reduction? Which One Actually Fits Your Life?

A seller concession and a price reduction cost the seller the same amount. They produce very different outcomes for you. Here is how to know which one fits.

What Lenders Want Homebuyers to Know

David Kakish on the questions buyers should be asking before they sign, and what most lenders won't volunteer.

Temporary vs. Permanent Buydown: Which Actually Saves More?

A buydown only makes sense if the savings show up during the time you plan to keep the loan. Here's how to know which one wins for your situation.

Will Mortgage Rates Drop Below 5% in 2026?

Trump's 50-Year Mortgage Play, Part II: Other Plans at Work

Transparency Isn't Optional in Mortgage: It's Overdue

Top Originators 2025

From Pastor to Top Producer

How a calling to serve shaped one broker's approach to mortgage advising.

Pastor to Top Producer: How Faith, Empathy, and Grit Shaped David Kakish's Success

AIME Fuse 2025 Panel

When Will Home Equity Rates Fall? What Needs to Happen First

The Newrez Podcast: On Transparent Mortgage Advising

Home Equity Rate Forecast: January 2025

How New Brokers and LOs Can Establish Themselves in Today's Market

How to Avoid Mortgage Rate Lock Extension Fees

Homebuying in 2024 with George Kamel

Creative Ways to Find a Lower Mortgage Rate This Summer

NMP's 40 Under 40

Mortgage Experts Offer Advice for Getting the Best Interest Rate

Top Originators 2024

USDA Loans: What First-Time Buyers Need to Know

Good Better Broker: Episode with David Kakish

How Homebot Is Driving Business for David Kakish

FUSE Breakout: Systems & Processes

We're Farmers Not Hunters: Episode 182

How to become a client's lender for life.

Broker Advice as Mortgage Rates Top 7%

Top Originators 2023