Five VA Loan Myths Costing Washington Veterans Thousands of Dollars and the Real Numbers Behind Each
No PMI, reusable benefit, 19-day close. John Cobain debunks VA myths with real math for WA veterans. ...more
mortgage
July 14, 2026•7 min read
Second Lien Borrowing Just Hit an 18 Year High and Here Is the Smart Thinking Behind the Numbers
Keep your low rate, tap equity with a HELOC. John Cobain explains why second liens are surging now. ...more
mortgage
July 10, 2026•3 min read
76 Percent of Buyers Now Trust AI to Shop Their Mortgage and Here Is What the Data Actually Means
AI shops fast but misses nuance. John Cobain explains why combining AI and a loan officer wins deals. ...more
mortgage
July 10, 2026•3 min read
What Every Buyer Needs to Know About ARM Loans Before They Sign and What Questions to Ask First
Lower payment now, risk later. John Cobain explains when ARMs make sense and when they do not. ...more
mortgage
June 12, 2026•4 min read
May Was a Tough Lesson for Rate Watchers and Here Is the Plan That Actually Works Right Now
One hot report moved rates fast. John Cobain explains how to buy when the numbers make sense now ...more
mortgage
June 12, 2026•4 min read
The Biggest Mortgage Credit Score Change in 30 Years Just Happened and It Could Help You Qualify
VantageScore 4.0 and FICO 10T now count rent payments. John Cobain explains what changed. ...more
mortgage
May 08, 2026•4 min read
The Fed Held Rates Steady Again and Here Is What It Actually Means for Your Mortgage
Fed stable for the third time. John Cobain explains what buyers should do right now. ...more
mortgage
May 08, 2026•4 min read
Why the War With Iran Is Affecting Your Mortgage Rate and What Buyers Need to Understand
Most borrowers do not connect geopolitics to their housing payment but the connection is direct and fast-moving. John Cobain explains the chain reaction from oil prices to bond yields to your monthly ... ...more
mortgage
April 02, 2026•5 min read
A New FHFA Rule Could Lower What Millions of Homeowners Pay for Insurance Every Month
Fannie Mae and Freddie Mac just changed their roof insurance requirements in a move that could meaningfully reduce premiums for the majority of mortgage borrowers. John Cobain breaks down what changed... ...more
mortgage
April 02, 2026•5 min read
