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Dom's Take
My analysis and opinions: what the industry gets wrong, what I'd do with my own money, and the calls where I've changed my mind.
September 9, 2026 · 5 min read
Why Structure Beats Purchase Price in Spokane Valley Right Now
Stop waiting for list prices to drop. Here is why financing structure, seller concessions, and strategic equity plays will save you more money in today's normalizing Spokane market.
September 8, 2026 · 5 min read
Why Price Cuts Are the Worst Way to Negotiate a Tumwater Home Purchase Right Now
Early in my career, I thought a lower purchase price was the ultimate goal for a homebuyer. In today's balanced market, that line of thinking will cost you thousands of dollars in unnecessary interest payments.
September 8, 2026 · 4 min read
Why I am Putting My Own Money Into Adjustable Rate Mortgages Right Now
In a normalizing King County market, list price matters less than loan structure. Here is why an ARM is my preferred play in Kent right now, and how to build a monthly payment on purpose.
September 8, 2026 · 5 min read
Why You Should Shop Your Loan Structure, Not Just the Interest Rate
Focusing solely on interest rates can blind you to structural options that actually lower your monthly payment. In a normalizing real estate market, building the right loan structure is the key to real affordability.
September 3, 2026 · 5 min read
Why I Would Rather Have a Seller Credit Than a Price Cut right now
In a balanced real estate market, negotiating a seller credit to buy down your interest rate saves far more money than pushing for a price reduction.
September 3, 2026 · 5 min read
Why You Should Shop the Loan Structure Instead of Just the Interest Rate
In a normalizing housing market, focusing solely on the interest rate sheet is a mistake. Here is why structuring your loan program, concessions, and terms matters far more for your monthly payment.
September 3, 2026 · 5 min read
The Rate Sheet Lie: Why Loan Structure Beats Interest Rate Obsession
Mortgage lenders love to sell you on a raw interest rate that does not actually exist. In a normalizing market, structuring your loan, especially program options like VA loans, matters far more than chasing the lowest headline number.
August 27, 2026 · 5 min read
Structuring the Win: How to Use a Normalizing Market to Your Advantage in Tumwater
In a balanced real estate market, list price is just a starting point. Here is why focusing on financing structure, seller concessions, and programs like USDA loans will save you far more money than a simple price cut.
August 27, 2026 · 5 min read
Why I Changed My Mind About Haggling Over Home Prices
In a balanced market, the list price of a home matters less than how you structure your financing. Here is why I stopped advising buyers to fight solely for a lower purchase price, and how smart loan structuring wins instead.
August 27, 2026 · 6 min read
The Rate Lie: Why the Mortgage Industry Sells Interest Rates Wrong
In a normalizing housing market, focusing solely on the coupon rate is a costly mistake. Discover how structure, seller concessions, and alternative programs actually control your monthly Spokane housing costs.
August 27, 2026 · 5 min read
Why You Should Shop the Loan Structure Instead of Just the Rate
In a balanced and normalizing market, the design of your mortgage matters far more than the headline interest rate. Learn how to structure your loan to save cash upfront and lower your monthly payment.
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