mortgage planning Archives - Douglas Caldwell - Loan Officer

Two smiling men pose side by side in portraits: one in a dark polo with folded arms, the other in a black suit and white shirt.

The Smarter Mortgage Series Professional Perspectives Where trusted professionals share practical advice to help homeowners make smarter financial decisions. Helping Self-Employed Business Owners Plan for Homeownership By Doug CaldwellFeaturing special guest John Allis IV, Tax Advisor & Certified Public Accountant Why We Wrote This Article If you’ve read my recent article, Mortgage Money Myths: Should…

Two men sit at a wooden table discussing plans, surrounded by laptops and papers. Architectural blueprints and a model house are visible, conveying focus and collaboration.

The Smarter Mortgage Series Helping homeowners make smarter financial decisions, one mortgage question at a time. Every Realtor knows one. Every CPA has several. Every lender talks with them almost every day. The self-employed borrower. One of the hardest conversations I have starts with a sentence I’ve heard hundreds of times: “Doug, my business made…

A couple looks at a tablet held by a real estate agent in front of a suburban house with a "for sale" sign. They appear engaged and optimistic.

The Smarter Mortgage Series Helping homeowners make smarter financial decisions, one mortgage question at a time. Every week someone tells me, “Doug, we’re just going to wait until rates come down.” My response usually surprises them. I don’t know when rates will come down. Neither does anyone else. What I do know is there are…