Should You Put All Your Cash Into a House?
Smart Mortgage Show with Bill Litton
Release Date: 01/22/2026
Should You Put All Your Cash Into a House?
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation When buying a home, putting more money down feels responsible but is it always the smartest move? Today weāre answering a question from a couple planning to put nearly $400,000 down on a $500K home and wondering if their brokerās advice was helpful or self-serving. This decision has less to do with right or wrong and more to do with financial planning, liquidity, and opportunity cost. Weāre going to walk through how compounding interest, time horizon, and comfort with...
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Where is the Housing Market Headed in 2026?
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation Curious about where the housing market is headed next? 2025 was a year of adjustment for real estate, but beneath the headlines, important shifts were taking place. Bill uncovers the shifting trends of 2025 and unveils expert forecasts for 2026. Find out why falling rates and a more balanced market could mean big opportunities for buyers and sellers alike. Donāt miss these insider insights! Hereās what we discuss in this episode: š” 2025 Recap: Shifts in rates,...
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Using Assets Instead of Income to Get a Mortgage
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation Can you turn your assets into a mortgage? Buying a home without a paycheck sounds impossible, but it happens more often than you think. Bill explains how asset utilization lending allows buyers with strong balance sheets, but limited income, to qualify for a mortgage. If youāre retired, transitioning careers, or asset-rich but income-light, this episode shows whatās possible. Hereās what we discuss in this episode: š No-Income Challenge: Buying a home without a...
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2026 Mortgage Rates: Forecasts & Trends
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation Mortgage rates may not be on a roller coaster anymore, and that matters more than most people realize. In this episode, Bill shares why recent stability in rates is creating predictability for buyers, even as the Fed continues adjusting policy. The conversation looks at whatās actually influencing mortgage rates right now, what experts expect heading into 2026, and why waiting for the āperfect rateā can be costly. Hereās what we discuss in this episode: š Market...
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Median Age of First-Time Home Buyers: How Inflation & Affordability Are Changing Real Estate
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation The median age of first-time homebuyers has climbed to 40, marking a major shift in todayās housing market. Why has the average first-time homebuyer age jumped so dramatically in just a few years? Bill explores whatās driving that change, referencing the newly released National Association of Realtors' Annual Profile of Home Buyers. Tune in to hear what younger buyers can do now to avoid waiting longer than necessary. Hereās what we discuss in this episode: š”...
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DSCR Loans: The Investor Mortgage Youāve Never Heard Of
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation Most investors assume they must qualify for a rental property the same way they qualify for a primary home, by proving income, debts, job history, and traditional underwriting metrics. But a DSCR loan flips that entire process on its head. This video will explain how Debt Service Coverage Ratio (DSCR) loans work, why theyāre becoming so popular among investors, and how they allow you to qualify based on the propertyās income, not your own. Bill Litton of Cross Country...
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The 50-Year Mortgage: Helpful Option or Hidden Trap?
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation A proposed 50-year mortgage has sparked debate across the housing world, but would it actually help buyers, or just saddle them with decades of interest? In this episode of the Smart Mortgage Show, Bill breaks down what a 50-year mortgage could look like, who it might help, and why it absolutely wonāt be the right fit for everyone. Even though the longer term reduces the monthly payment, will the 30-year loan still remain the gold standard? Weāll explain how each...
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Dec. 2025 Market Update: Mortgage Rates, Trends & What to Expect Next
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation As we close out the year, Bill breaks down the latest mortgage rate trends, why rates have settled into a tight range, and what economic factors are shaping the market heading into 2026. Itās a clear-eyed look at where things stand today and the key indicators that will drive rate movement in the months ahead. Have you been trying to buy or simply watching the market? This update gives you the clarity you need heading into the new year. Hereās what we discuss in this...
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Getting a Mortgage When You're Furloughed
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation Being furloughed can create uncertainty, not just with your income, but with major financial decisions like buying a home. In this episode, Bill helps break down how furloughs can affect the mortgage process and what borrowers should understand before making their next move. Itās a reminder that preparation, communication, and finding the right lending partner make all the difference, especially during uncertain times. Hereās what we discuss in this episode: š ...
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How Much Income Do You Need to Afford a $2 Million Home?
Smart Mortgage Show with Bill Litton
š Schedule a time to meet with Bill here: š² Text āLENDā to 21000 to schedule a free 15āminute consultation Curious about what it really takes to afford a $2 million home? Bill shares how your unique situation can shape your homebuying journey and why smart strategies make a significant difference. Discover actionable strategies, helpful tips, and expert perspectives that will empower you to make informed decisions on your journey to homeownership. Hereās what we discuss in this episode: š° Income Breakdown: how much you actually need to earn to buy a $2M home š Debt...
info_outlineš Schedule a time to meet with Bill here: https://calendly.com/blitton/
š² Text āLENDā to 21000 to schedule a free 15āminute consultation
When buying a home, putting more money down feels responsible but is it always the smartest move? Today weāre answering a question from a couple planning to put nearly $400,000 down on a $500K home and wondering if their brokerās advice was helpful or self-serving.
This decision has less to do with right or wrong and more to do with financial planning, liquidity, and opportunity cost. Weāre going to walk through how compounding interest, time horizon, and comfort with leverage can dramatically change outcomes, and why locking cash into a home isnāt always the safest or most flexible choice.
Hereās what we discuss in this episode:
š Is putting 80ā85% down on a home ever a good idea?
š° Liquidity vs. locking cash into real estate
š How compounding interest can outperform mortgage savings
āļø Guaranteed savings vs. long-term growth tradeoffs
š§ Why education beats being āsoldā a mortgage
CONTACT:
Schedule a time to meet with Bill here: https://calendly.com/blitton/
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