Real talk on mortgages, credit, and buying in Utah.
Short, straightforward articles (and eventually videos) on the questions Utah buyers actually ask — written the way Chad would explain it in person.
Credit, Cash, Income: The Three Numbers That Actually Matter
Everything else in a homebuying conversation flows from these three things. Here's why, in plain terms.
Down PaymentWhy 20% Down Is Optional, Not Required
The 20%-down 'rule' isn't a rule. Here's where it came from and what your actual options look like.
Interest RatesWhat Higher Rates Actually Mean for Utah Buyers Right Now
Higher rates change the math, not necessarily the opportunity. Here's how to think about it clearly.
Mortgage ProgramsFHA vs. Conventional: The Real Differences
Two of the most common loan types, compared honestly — including where each one falls short.
Self-Employed BuyersSelf-Employed? Here's How Income Documentation Actually Works
Self-employment doesn't disqualify you — it just changes what documentation looks like.
Mortgage MythsCommon Mortgage Myths That Cost Buyers Money
A quick myth-busting list — the same ones I correct in conversation almost every week.
Have a question this didn't answer?
Ask Chad directly — most Learning Center articles started as a real question from a real buyer.