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ADUs: Diamonds in the Rough for NH, MA & ME Homeowners
New ADU laws now let New Hampshire, Massachusetts, and Maine homeowners build a second home by right, an alternative to selling a house you can no…
Jul 15
•
Gary Field
2
Mortgage Rates 2026: Why Expected Cuts Got Less Likely
Mortgage rates didn’t fall as expected in 2026. The Fed’s dot plot flipped to a coin flip on hikes. Here’s what it means for Manchester and NH buyers
Jul 9
•
Gary Field
2
1
PMI vs MIP: One Ends Automatically. One Usually Doesn’t
A first-time homebuyer’s guide to PMI vs MIP: how each is removed, what it costs long-term, and how to compare FHA against conventional before you…
Jul 2
•
Gary Field
2
1
June 2026
Should I Buy a House Now or Wait? An Honest Framework for the 2026 Market
The right answer isn’t whether home prices keep climbing. It’s how long you’ll stay, what you can comfortably carry, and whether you’ve done the…
Jun 18
•
Gary Field
2
Reverse Mortgages: The Most Misunderstood Loan in America
How a reverse mortgage (HECM) actually works, what it costs, what happens to your heirs, and when it's the right move for retirement
Jun 11
•
Gary Field
4
3
1
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
3
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
6
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
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