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Michael Smith

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Beyond the Four Walls: Celebrating National Homeownership Month

By Michael Smith - June 10, 2026
Welcome to National Homeownership Month! June is officially National Homeownership Month, an annual tradition that began as a single week in 1995 and expanded into a month-long celebration in 2002. It is a time to shine a spotlight on the American Dream, recognize the professionals who make it happen, and demystify the path to getting your own set of keys. There is no sugarcoating it: navigatin
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What Buyers Should Know About Buying a New Build Home

By Michael Smith - February 13, 2026
Buying a brand-new home is an exciting prospect. Everything is fresh, modern, and designed with today’s lifestyles in mind. But new construction purchases are very different from buying a resale home — and understanding those differences can help you avoid costly surprises and make a more confident decision. Whether you’re a first-time buyer or considering new construction for the first time, her
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Understanding the New NAR Rules

By Michael Smith - August 17, 2024
What Home Buyers and Sellers Need to Know As of August 17, 2024, significant changes to how real estate transactions are conducted in the United States have taken effect, ushering in a new era for both home buyers and sellers. These changes stem from a recent settlement by the National Association of Realtors (NAR) in response to antitrust claims, marking the most substantial update to the org
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Benefits of a VA Loan

By Michael Smith - November 11, 2022
A VA loan is a mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA) and is available to eligible active-duty service members, veterans, and surviving spouses. Here are some of the benefits of a VA loan over other types of loans: No down payment required: VA loans do not require a down payment, which means that eligible borrowers can finance up to 100% of the purcha
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Advantages of Offering a Large Down Payment

By Michael Smith - February 21, 2022
When buying a home, the down payment will make up the bulk of your upfront expenses. While most mortgage lenders offer you flexibility in the amount of your down payment, it's difficult to decide how much money to spend right away. While a higher upfront cost, a higher-than-minimum down payment has some significant advantages. Here are the main benefits to consider: Better Mortgage Terms Typical
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