Buying a home? 🏡 Don’t skip your emergency fund! An emergency fund protects you from unexpected home repairs, job loss, or surprise expenses after closing. Before you buy a house, make sure you have enough savings to cover 3–6 months of expenses—on top of your down payment and closing costs.…
Mortgage rates are slowly improving, and the housing market is starting to recover. In this Rate Watch update, mortgage expert Dave Steinberg breaks down why waiting could cost you and why acting before the summer buying season may be a smart move. If you’re thinking about buying a home, refinancing,…
Texas is a buyer’s market. New York isn’t. Here’s how that changes everything for homebuyers. Dave Steinberg NMLS: #67325 Mortgage Broker Summit Funding - Connect with me: Office: 718.575.1166 Email: dave@summitfunding.com https://summitfunding.com - Summit Funding | Registered Mortgage Broker (NMLS #52081) New York State Department of Financial Services 7030 137…
In this episode of Mortgages Made Easy, we compare Texas vs. New York real estate markets with top loan officers from both regions. From first-time homebuyers and buyer’s markets to winning bidding wars and beating cash offers, this conversation breaks down what buyers actually need to know in today’s housing…
Mortgage rates are officially below 6% in early 2026, down nearly 8% from last year — but should you buy now or wait for even lower rates? 🤔 In this episode of Rate Watch, mortgage expert Dave Steinberg breaks down what today’s interest rates mean for homebuyers, why waiting can…
Your credit score is one of the most important factors lenders use when approving a mortgage loan, along with your income and assets. In this video, mortgage expert Dave Steinberg explains how credit scores affect your ability to buy a home, what credit score you need to qualify, and how…
What is an escrow account and how does it work with your mortgage? In this video, mortgage expert Dave Steinberg breaks down escrow accounts in simple terms. Learn how lenders collect monthly payments for property taxes and homeowners insurance, why you pay insurance upfront at closing, and what happens when…
The Fed dropped rates this week — but what does that actually mean for mortgage rates? 🤔 In this episode of Rate Watch, mortgage expert Dave Steinberg breaks down why mortgage rates stayed stable, who’s seeing better pricing, and why asking “What’s the rate?” is the wrong question. You’ll learn:…
Stop Believing the 20% Down Payment Myth! 🏡 In this video, we explain why you don’t need 20% down to buy a home—and how today’s lower mortgage insurance costs can open the door to smarter financial decisions. Whether you're a first-time homebuyer or planning your next move, understanding your down…
Mortgage rates are holding around 6% as we close out the year, nearly 1% lower than last December. But should you lock your rate now or wait for further drops? In this week’s Rate Watch, we break down what today’s market means for homebuyers and refinancers. Dave Steinberg NMLS: #67325…
Mortgage rates just dipped below 6% for the first time in over a month — and that’s great news for homebuyers and refinancers! In this week’s Rate Watch, I break down what this shift means and share a real story of how a big bank left a borrower hanging… until…
I’m incredibly honoured to announce that I’ve been awarded Mortgage Broker of the Year! This video is a behind-the-scenes look at what this achievement means, how we got here, and what’s next. Whether you're a first-time homebuyer, a seasoned investor, or someone exploring the mortgage world, I hope this inspires…
What You Need to Know: ✔ Market-linked growth ✔ ZERO market-loss risk ✔ Potential to stop paying premiums once equity builds ✔ Long-term protection for your home and family This is one of the smartest strategies most homeowners never hear about. Watch the full clip to understand why IUL is…
In this episode of the Mortgages Made Easy podcast, mortgage expert Dave Steinberg sits down with insurance specialist Steve Kent to break down everything homeowners need to know about protecting their families with the right life insurance. Steve shares his powerful personal story and explains how life insurance can safeguard…
Are you thinking about buying your first investment property or expanding your real estate portfolio? 🏡 In this episode of Mortgages Made Easy, Dave Steinberg sits down with Connecticut realtor MJ Agustini to talk about how to build wealth through real estate investing — from multifamily homes to advanced commercial…
The Federal Reserve just lowered the federal funds rate, but mortgage rates actually increased — why does this happen? In this week’s Rate Watch, your mortgage guy Dave Steinberg breaks down what’s really going on with interest rates, what it means for homebuyers, and how to prepare for your next…
Dave Steinberg NMLS: #67325 Mortgage Broker Summit Funding - Connect with me: Office: 718.575.1166 Email: dave@summitfunding.com https://summitfunding.com - Summit Funding | Registered Mortgage Broker (NMLS #52081) New York State Department of Financial Services 7030 137 Street, Kew Gardens Hills, NY 11367 Summit Funding | Licensed Correspondent Mortgage Lender (NMLS #301151)…
Mortgage rates have stayed remarkably stable over the last month — but what does that mean for you as a homebuyer or homeowner looking to refinance? In this week’s update, mortgage expert Dave Steinberg shares practical advice on when to lock your mortgage rate, how market stability impacts your decisions,…
You may be paying for mortgage insurance even when you don't need to. Here's how to get rid of it! Dave Steinberg NMLS: #67325 Mortgage Broker Summit Funding - Connect with me: Office: 718.575.1166 Email: dave@summitfunding.com https://summitfunding.com - Summit Funding | Registered Mortgage Broker (NMLS #52081) New York State Department…
Thinking of going with a big-name bank for your mortgage? 🏦 Before you decide, listen to this real story about "Mike" — a buyer who thought his big bank had the best deal... until we looked closer. In this video, I break down how hidden fees from the bank almost…
Hey homebuyers and homeowners! This week, Dave Steinberg breaks down the latest mortgage rate trends—and it's a wild ride. Rates have dropped about 30 basis points since last week, but they’re still bouncing all over the place. Dave's #1 tip? Lock in your rate ASAP if you’re ready to buy—you…
Wondering why mortgage rates went up even after the Federal Reserve cut interest rates last week? 🤔 You're not alone. In this episode of Rate Watch, we break down exactly what happened, why the market reacted the way it did, and what it means for homebuyers and those looking to…
Thinking of buying a home? Don't skip this crucial step! In this video, we break down why an emergency fund is essential before you purchase a house — and how it can save you from financial disaster. Learn how much you really need, what it should cover (like surprise repairs,…
The Fed just cut interest rates — so why are mortgage rates climbing instead of falling? 🤔 In this week’s Rate Watch, we break down what really happened after the Fed's 0.25% rate drop and what it means for your home buying plans. 📈 Learn why timing the market doesn’t…
