Spring home-buying season is heating up — and this week, David Wickert and Tim Holdmann are in the thick of it.

They kick things off with a surge in pre-approvals signaling that buyers are coming off the sidelines. More shoppers means more competition, and more competition means you’d better show up ready. Tim and David break down why a clean, contingency-free offer is the difference between getting the house and going home empty-handed.

Tim shares a real-world scenario involving first-time buyers whose parents want to relocate from up north to be closer to grandkids — and why calling your mortgage consultant before falling in love with a house is always the right move.

David then tells the story of a self-employed client who got turned away by her bank — until a single question (“How old are you?”) unlocked a game-changing solution using retirement assets as qualifying income. Creativity meets the rulebook. Everybody wins.

Whether you’re buying, selling, refinancing, or just trying to understand how this whole thing works, David and Tim bring the insight, the analogies, and occasionally, the Kevin Hart GIFs.