Every business owner has felt this one. The same deductions that shrink your tax bill shrink the income a lender can use.

People in the middle of a separation ask me if they can do anything with a mortgage before the divorce is final. The honest answer is sometimes.

Here is the part financial planners like. With a HECM set up as a line of credit, the unused portion grows over time. It is a standby bucket.

Two incomes usually carry more house. The part nobody mentions is that the weaker credit score tends to set the terms for both of you.

The business owners who close smoothly are the ones who called me a year before they wanted to move. Here is what that year looks like.

I meet a lot of parents who have decided they are renters now. Some of them are wrong about that, and I would like to be the one who tells them.

If the card has money in it, do not deposit it yet. Read this first.

If the plan is for you to keep the house, there are usually two jobs to do at once. Get the loan into your name alone, and pay your former spouse their share of the equity.

When people tell me they do not have enough to retire, I ask one question. Did you count the house?