Insights
Market notes and loan strategy, in plain English.
Rate OutlookSeptember 28, 2026 · 2 min
How to read the Genius Rate Outlook
What the forecast, the confidence score, and the lock-or-float signal actually mean — and how to use them without overreacting.
StrategySeptember 21, 2026 · 1 min
Temporary buydowns: 2-1 vs 1-0, and when a seller credit works harder
How temporary buydowns are priced, who pays for them, and how they compare with a permanent buydown or a price reduction.
InvestorsSeptember 14, 2026 · 1 min
Financing a 1031 exchange: the timeline lenders need to know
The 45-day and 180-day clocks, how to line up replacement-property financing early, and DSCR versus conventional options.
Loan programsSeptember 7, 2026 · 1 min
Physician loans explained: 0–10% down and no PMI
How doctor loans treat student debt and future employment contracts, and when a conventional loan is still the better deal.