As the year draws to a close, it’s the perfect time to take stock of your financial health, reflect on your goals, and prepare for a prosperous new year. Whether you’re aiming to buy your first home, tackle debt, or ensure your family’s financial security, these five actionable tips will help you end the year strong and start 2025 on the right foot.

If you’ve ever heard the term “hard money” and thought, Is this some kind of secret underground currency?—you’re not alone. The name can be confusing, especially if you’re new to real estate. No, it’s not a stash of gold bars or cash locked in a safe; it’s actually a type of short-term, high-cost loan designed specifically for real estate investors. Despite the tough-sounding name, “hard money” is really about flexibility and speed, making it a go-to option for seasoned property investors.

Here’s what you need to know about hard money renovation loans, their benefits and pitfalls, and whether they might be right for your next project.

As the holiday season approaches, it’s the perfect time to evaluate your financial health. One way to do this is by calculating your blended interest rate—the average interest rate across all your debts. Understanding this rate helps you see the true cost of your borrowing and identify areas to save money, especially if you’re carrying high-interest debt like credit cards or personal loans.

For Veterans using a VA loan to purchase a condo, it's a common misconception that they are limited to units within complexes listed on the VA-approved list. While it's true that the VA has stringent criteria for condo approval, there is still a path forward if the condo you want doesn’t meet these guidelines. In this article, I’ll walk you through the VA condo approval process, discuss why many lenders won’t go through the effort, and explore how you can still buy a non-approved condo through a waiver.

Minimalism has become one of the most popular trends in home design and decor. You’ve probably seen minimalist homes that emphasize clean lines, neutral colors, and open spaces. The furniture in these homes often follows the "less is more" principle—functional, high-quality pieces that serve a purpose without overwhelming the room. Minimalism in decorating is about creating a peaceful environment by reducing clutter and focusing on the essentials, allowing each piece to stand out and contribute to a sense of calm.

As the October 15 tax deadline approaches for those who filed for an extension, it’s important to understand how your tax situation could impact your mortgage options, especially if you’re a prospective homebuyer, a refinancer, or a CPA helping clients navigate their finances.