Dan Freshley Mortgage Banker

If you’re planning to buy your next home soon, you’ve probably heard the old rule about saving 20% for your down payment. The truth is, you usually don’t have to. Plenty of loan options let qualified buyers put down much less. But a lot of repeat buyers are choosing to put down 20% anyway. So, why are they if they don’t have to? Two reasons. They know a bigger down payment pays off, and after years in their current house, they’ve built up enough equity that it’s finally possible. Repeat...

If you're a homeowner getting ready to move, one question usually comes first: should you buy your next home before you sell, or sell your current house before you start looking? There's no single right answer. The best call depends on your finances, your local market, and your timeline. And a trusted agent can help you weigh all of it. But in a lot of cases these days, selling first puts you in the stronger spot. The Advantages of Selling First Selling is usually the trickier half of a move...

Buying your first home is an exciting journey, but it can also feel overwhelming. One of the biggest steps is finding the right mortgage lender who understands your unique needs. With so many options out there, it’s important to know what to look for and how to choose a lender that will make the process smooth and stress-free. In this post, I’ll walk you through some of the best first-time buyer mortgage options and share tips to help you make confident decisions. Understanding First-Time...