The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
When You Should Rent and Not Buy a House
By Scott Sheldon
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November 3, 2026
Buying a home can build long-term wealth, but not every buyer should purchase right now. Learn when renting may make more financial sense, including career changes, short moves, limited savings, high debt, and a stretched monthly budget.
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By Scott Sheldon
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December 12, 2025
Everyone dreams of buying a home at just the right moment—when prices are low, rates are perfect, and the competition has cooled off. The reality? Perfect timing in real estate is nearly impossible. What you can do is focus on the practical factors that tell you when it’s the right time for you to buy,…
Read More about Timing the Market: How to Know When It’s the Right Time to Buy a Home