New Construction Inventory Just Hit a 9.7 Month Supply and Buyers Who Know This Are Winning

Builders are sitting on nearly 10 months of inventory and nearly two thirds are actively offering incentives to close deals. Geoff Ricker at Bay Capital Mortgage explains how smart buyers are stacking... ...more

mortgage

April 03, 2026•5 min read

First-Time Buyers Have More Leverage Right Now Than They Have Had in Years

More inventory, slower sales, and sellers making concessions are creating real opportunity for first-time buyers. Geoff Ricker at Bay Capital Mortgage explains how to take advantage of today's market ... ...more

mortgage

April 02, 2026•5 min read

Home Prices Down Nationally for the First Time Since 2012: What That Number Actually Means for Buyers

The first national home price decline since 2012 made headlines but the real story is far more local than national. Geoff Ricker at Bay Capital Mortgage breaks down what the data actually shows and wh... ...more

mortgage

April 02, 2026•4 min read

How the War With Iran Is Affecting Your Mortgage Rate Right Now

Oil prices surged, inflation fears returned, and mortgage rates jumped after briefly dipping below 6 percent. Geoff Ricker at Bay Capital Mortgage explains the chain reaction from geopolitics to your ... ...more

mortgage

April 01, 2026•4 min read

The Homeowners Insurance Problem That Is Quietly Killing Deals Before Closing in 2026

Rising insurance premiums are derailing home closings at the worst possible moment. Geoff Ricker explains how this hidden deal-killer works and what every buyer must do to protect their transaction be... ...more

mortgage

March 12, 2026•5 min read

Are We in a Buyer's Market? Why the Real Opportunity Is Not Where Most People Are Looking

Inventory is up and homes are sitting longer, but prices are not falling the way the data suggests they should. Geoff Ricker breaks down what is really happening and where prepared buyers can find rea... ...more

mortgage

March 12, 2026•5 min read

From Young Gun to Steady Hand: Experience Plus Modern Tools for a Better Closing

I used to be the young gun in the mortgage world. All hustle, all energy, always proving something. These days, I am proud to say I am not the new kid on the block anymore. I have been through enough ... ...more

mortgage

December 18, 2025•3 min read

Rent vs. Buy: Which Is More Affordable in 2025?

Should you keep renting—or finally buy a home in 2025? It’s one of the biggest financial decisions many people face, and it’s not just about this year’s numbers. The real question isn’t just what you’... ...more

mortgage

November 19, 2025•2 min read

What Credit Score Do You Need to Qualify for a Mortgage in 2025?

One of the most common questions first-time buyers and repeat homeowners ask is: "What credit score do I need to get approved for a mortgage?" The answer in 2025 includes both familiar guidelines and ... ...more

mortgage

November 19, 2025•3 min read