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Your Credit Score and Your Mortgage Score Are Not the Same Number
The gap between them is costing buyers thousands, and no one bothers to explain why
Jun 4
•
Gary Field
2
1
1
May 2026
DSCR and Asset Depletion Loans: The Quiet Rise of Mortgages Without a W-2
How DSCR loans and asset depletion mortgages are reshaping who qualifies in 2026, built on a federal carve-out most borrowers have never heard of.
May 28
•
Gary Field
5
1
Rate Buydowns: Why the Cheaper Payment Isn't Saving You
Temporary vs. permanent mortgage rate buydowns explained. The math, psychology, and hidden tradeoffs many buyers miss. Run the numbers before you sign.
May 21
•
Gary Field
2
Condo Financing Requirements Are Changing in 2027 And Why That’s Mostly Good News
What buyers, sellers, and agents should know before condo financing rules change in 2027
May 14
•
Gary Field
5
Recommended Reading
Books that have shaped how I think about mortgages, housing, markets, behavioral finance, and decision-making.
May 9
•
Gary Field
1
You Had the House. Then It Slipped Away.
Why Real Estate Deals Fall Apart After the Offer Is Accepted
May 7
•
Gary Field
1
1
April 2026
The House You'd Buy Is Already For Sale
You Just Can’t See It
Apr 30
•
Gary Field
2
1
Behavior Beats Math: The Overlooked Half of the Refinance Decision
A Follow-Up to The Amortization Trap
Apr 23
•
Gary Field
3
The Amortization Trap: Why a “Lower Rate” Refinance Can Be a Wealth Illusion
While homeowners often focus on the immediate monthly savings of a refinance at a lower rate, real estate professionals are frequently called upon to…
Apr 16
•
Gary Field
2
2
The New Hampshire Mortgage Market in April 2026: What Rising Inflation and Fed Uncertainty Mean for Southern New Hampshire Buyers
As we move through spring 2026, the mortgage landscape for homebuyers across Southern New Hampshire is shifting in ways that demand attention.
Apr 9
•
Gary Field
9
2
2
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