#goodlife-home-loans

#goodlife-home-loans

Many people successfully purchase homes while still carrying student debt. What matters most isn't whether you have debt, it's how well you manage it.

I grew up at a time where we got loans for everything. We wanted to go on holiday, we booked the holiday, and then we'd go to the credit union. You'd get one of the little small loans, and then credit cards were so accessible.

Monthly job growth averaged about 15,000 in 2025 and has risen to roughly 70,000 so far in 2026, although the data remains volatile and subject to revision.

BHI provided a $167 million construction loan to Yellowstone Real Estate Investments for the conversion of the Candler Building into a 176-unit residential tower with retail space, totaling $203 million in financing.

JPMorgan Chase's origination volume hit $13.7 billion in the first quarter, down 14% from the prior quarter and up 46% from the same period last year. Retail channels drove most of the production, accounting for 63.5% of the total. The bank's home lending revenues reached $1.23 billion in the first quarter, up 2% year over year.

Cash-out refinance volume rose 9% from February and 21% from March 2025, while rate-and-term refinance volume fell 34% month over month but remained more than 66% higher than a year ago.

The housing crisis is not a headline anymore; it is a lived reality. Soaring property prices, relentless rent increases, and the quiet exhaustion of never quite owning anything have pushed a whole generation to question what a home genuinely needs to be. The answer, for many, is less. Less debt, less space, less compromise on quality of life.

Ginsburg stated that treating builder business as a core pillar rather than a side channel reflects a broader industry shift. He believes a healthy balance of builders should be around 15% to 20% of the overall retail book of business.

Realtor Todd Luong of REMAX DFW Associates in Frisco said his recent experience reflects meaningful improvement for buyers, even if affordability remains strained. Here in the Dallas real estate market that I serve, affordability remains a challenge, he says. However, there is a significant amount of data showing that buyer conditions have improved over the past year and that buyers are gaining affordability ground. This should eventually increase housing demand to some degree as we head into the busy spring buying season.

Introductory period: The initial fixed-rate phase before adjustments begin. Adjustment period: How frequently the rate can change after the intro period ends. Index: The benchmark interest rate used to calculate future rate changes. Margin: The lender's fixed markup added to the index. Initial cap: Limits how much the rate can increase at the first adjustment. Periodic cap: Limits how much the rate can change at each adjustment. Lifetime cap: The maximum interest rate allowed over the entire loan term.

Collins, the best-selling author of Pathfinders and The Simple Path to Wealth, said the reasoning is simple: Buying a home "dramtically inflate[s]" your cost of living. While your mortgage payment and rent payment may be similar on paper, owning a home ends up costing more in the long run and comes with unexpected expenses-often referred to as the "hidden costs" of homeownership, like insurance, repairs, and updates.