Should You Take an ARM to Save Money Upfront and Here Is the Honest Answer Before You Sign

Lower payment now, risk later. Bob Schildt explains when ARMs make sense and when they do not. ...more

mortgage

June 26, 2026•4 min read

A Price Cut Does Not Mean Every Listing Can Be Lowballed and Here Is Where Real Leverage Actually Is

Not every cut means lowball room. Bob Schildt explains where real negotiating leverage actually is now. ...more

mortgage

June 26, 2026•4 min read

A Record 34 Percent of Sellers Cut Prices in February and Here Is What It Means for Buyers

Inventory up, sellers negotiating. Bob Schildt explains how prepared buyers are winning right now. ...more

mortgage

June 02, 2026•4 min read

The Fed Held Rates Steady for the Third Time and Here Is What Bob Schildt Wants Buyers to Know

Fed stable, no June meeting. Bob Schildt explains what this window means for buyers right now. ...more

mortgage

June 02, 2026•4 min read

First-Time Buyers Have More Power in Today's Market Than Most People Know

Sellers are negotiating and inventory is up. Bob Schildt shows you how to stack the tools. ...more

mortgage

May 06, 2026•5 min read

Are Home Prices Really Dropping? Why National Headlines Are the Wrong Place to Look

National data means nothing without local context. Bob Schildt breaks it down for you. ...more

mortgage

May 06, 2026•5 min read

What’s Driving Buyer Behavior in 2026: 4 Shifts You Should Know

Inventory, negotiation power, rate expectations, and lifestyle needs are shaping buyer behavior in 2026. Here’s what it means and how to plan smart. ...more

mortgage

January 11, 2026•3 min read

Will the Housing Market Crash in 2025? Here’s What Buyers Need to Know

After years of fast-rising home prices, many buyers are understandably hoping for a market correction. But are we headed for a crash—or is something else happening? According to Bob Schildt, a truste... ...more

mortgage

November 21, 2025•2 min read

Rent vs. Buy in 2025: Which Option Truly Saves You More?

With housing affordability stretched and mortgage rates still higher than pre-2020 levels, many would-be buyers are wondering: Should I keep renting, or is it finally time to buy? According to Bob Sc... ...more

mortgage

November 21, 2025•2 min read