ajferr.bsky.social
@ajferr.bsky.social
Reposted
Best quote of the night: 16th Inning, World Series, Game 3, "Klein was clean shaven when this game began".
October 28, 2025 at 6:13 AM
Reposted
In this article, the key point for a consumer is that it's a buyer's market. Have you applied for a mortgage yet? My Substack can help you navigate that part of the home ownership process. www.jswhaldo.substack.com

1st Look at Local Housing Markets in June open.substack.com/pub/calculat...
1st Look at Local Housing Markets in June
Tracking local data gives an early look at what happened the previous month and also reveals regional differences in both sales and inventory.
open.substack.com
July 8, 2025 at 4:00 PM
Reposted
www.newsweek.com/trump-admin-...
Bill Pulte, director of the Federal Housing Finance Agency (FHFA), announced a new order that will allow for Americans to use their RENT to qualify for a mortgage.
Trump administration announces "huge" change to help new homebuyers
Prospective homebuyers could use their rent payments to help qualify for a mortgage under a new plan.
www.newsweek.com
July 10, 2025 at 1:02 AM
Reposted
Applying for a mortgage? Not all debt counts in your DTI—but some surprising ones do. This week, I’m breaking down what liabilities matter and why. Quick, clear, and worth knowing before you apply.
🔗 www.jswhaldo.substack.com
July 14, 2025 at 7:34 PM
Reposted
New post up: Not all assets are created equal when it comes to getting a mortgage. I’m breaking down checking, savings, crypto, retirement, and more—what counts, what doesn’t, and how to document it. This is part one of our deep dive into assets. Questions welcome.

www.jswhaldo.substack.com
July 29, 2025 at 10:43 PM