Advice from Jay

On March 13th, 2026

What I have learned in 8 years of being a Full Time Realtor….

This July I will have 8 continuous years as a Full Time Realtor.  I have learned more about people and homes in this time than I could have imagined.  I have sold beautiful mansions, ugly mansions, great land, not so pretty land, forever homes, first homes and foreclosures.     The biggest knowledge I have gained ...

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On March 4th, 2026

Why Mortgage Rates in the News are not TRUE RATES!!!

I have been hearing a lot of talk about Mortgage Rates below 6% in the past few weeks.  So, what does that mean to the Average Joe Homebuyer?  It means homes are cheaper because monthly payments are cheaper than if the average is 7%…. But just because the news says they are 6%, does that ...

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On February 12th, 2026

Personal Transformation Involves Pain

Personal Transformation Involves Pain or No Pain No Gain I have a daily calender and last week this quote jumped out at me. So what does this have to do with buying a home? Buying a home is Transformational to your LIFE Buying a home is not super easy Buying a home may involve some ...

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On February 11th, 2026

Ten Commandments of Buying a Home

Thou shalt not change jobs, become self-employed, or quit your job: Employment changes disrupt lender underwriting. Thou shalt not buy a car, truck or van (unless you want to live in it). Large debits alter your debt-to-income ratio Thou shalt not use credit cards excessively or let account fall behind: keep usage normal and payments ...

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On January 14th, 2026

5 Signs You are READY to Move

So now that the Holidays are over, the housing market is taking off. Here are 5 tips it might be time to get a new home: You have outgrown your current home. Or got a Puppy and need a yard. You want a new neighborhood – maybe one without an HOA You have the financial ...

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