We all know refinancing your home is a great way to improve cash flow, but it shouldn't be your first option. In this episode, Tom provides alternative cash flow methods to make sure your monthly payments stay in check.

As the economy attempts to correct due to inflation, interest rates are on the rise when purchasing homes. But this doesn't mean it's a bad time to buy! Tom talks about why it's still a good idea to refinance a loan especially with the equity in your home.

Tom and Luke break down some of the biggest changes in the Portland housing market over the past year, and how you can stay agile when looking for your next forever home.

Tom explains how the VA loan can be used to invest in rental properties and increase your wealth, while raising a family!

Tom breaks down some of the finer points of a VA loan like the ability to assume a loan, and hidden discounts linked to disabilities. 

Tom details the major differences between a basic and VA appraisal and how Oswego Mortgage can help navigate this difficult dance in real estate.

When it comes to applying for a mortgage, there is so much lingo to follow. In this episode, Tom goes defines in extensive the about core financial concepts involving a mortgage. We also identify the differences between a mortgage lender and broker.

Tom provides some first hand knowledge in navigating tricky VA paperwork for those who are disabled, and how to get the most out of your benefits.

Have you declared bankruptcy or home foreclosure, but still want a VA loan? Luke and Tom go step-by-step through the VA home loan process, the most forgiving loan on the market.

Tom provides analysis of the fast growing Portland housing market, the struggle buyers experience to get a home and a new housing shift that could be on the horizon.