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Recent Posts
- Buying a Home Before PCS: Pre-Approval on Orders, BAH, the 12-Month ETS Rule, and Closing Before You Arrive
- The Military Lending Act Explained: What the 36% Cap Covers, What It Doesn’t, and Why Your Mortgage Is Not on the List
- Military Credit Protections: Active Duty Alert vs. Credit Freeze vs. Free Monitoring, and Which to Use Before a Mortgage
- SCRA Mortgage Protections: The 6% Cap, Foreclosure Rules, and What Your VA Loan Does Not Get
- VA Loan Occupancy Rules While Deployed: Who Has to Live in the Home, and When
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Mortgage Rate Buydowns Explained: 2-1, 3-2-1, and Permanent Buydowns
Buy Down the Rate, Not Just the Price In a high-rate market, a buydown is often the strongest offer structure a buyer can negotiate. Here’s how 2-1, 3-2-1, and permanent buydowns actually work — including the rules most lenders gloss over and the math that makes them worth it (or not). Run a Buydown Scenario…
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Named a Scotsman Guide Top Originator for 2026 – J.D. Peck
I was named a Scotsman Guide Top Originator for 2026 — based on verified 2025 production. This is one of the most recognized rankings in the mortgage industry. Every name on the list goes through the same process — employer-documented and independently audited before the list is published. There is no shortcut to getting on…
