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.
Read More about When You Should Rent and Not Buy a HouseHow Misquoted Property Taxes Can Inflate Your Mortgage Payments
By Scott Sheldon
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May 1, 2025
When you’re in the market for a new home, comparing loan estimates from different mortgage companies is a crucial step. However, it’s essential to scrutinize these estimates carefully, especially the projected property taxes. Some lenders might provide lower estimates to make their offer appear more attractive, but this can lead to unexpected increases in your…
Read More about How Misquoted Property Taxes Can Inflate Your Mortgage Payments