Sam Thomas's Blog

Owning a home is one of the biggest investments you’ll make in your lifetime, and protecting that investment requires regular upkeep. While some maintenance tasks can be easy to overlook, ignoring them can lead to significant damage and costly repairs. Simple fixes can often snowball into larger,...

Buying a home can be one of life’s most exciting experiences, but it can also be full of unexpected challenges. While getting an accepted offer is a major milestone, the journey from contract to close can sometimes feel like a winding road. Understanding the common hurdles in this process can hel...

CLICK BELOW FOR VIDEOWe’ve all been there—putting our full effort into something that, in the grand scheme of things, just isn’t worth it. Whether in business, relationships, or personal goals, the tendency to throw level 10 effort at level 3 opportunities can be draining, leaving us frustrated a...

A recent survey found that more than half (52%) of American homeowners have a renovation project planned this year.1 If you’re among them, you know that embarking on home improvements can be both exciting and daunting. According to the survey, the median renovation budget is around $15,000, so yo...

We’re all looking for a better night’s sleep, and creating a restful bedroom environment can make a big difference. From the colors on your walls to the materials you sleep on, every detail contributes to the quality of your sleep. Here are some essential decor tips to help you craft a serene sle...

When it comes to securing a mortgage, many factors are at play, but one stands out as a critical determinant: your debt-to-income (DTI) ratio. Did you know that a high DTI ratio is the #1 reason mortgage applications get rejected?  Understanding and managing this ratio is essential for anyone loo...

Are you the bear or the bunny rabbit in negotiating? This is a ProTip for real estate buyers and sellers, along with many other business negotiations. The bear is in control, powerful, confident, has the ability to take, the option to destroy, and the power to rip someone's head off. The bunny ra...

Has the thought of selling your home crossed your mind? Maybe it’s just a fleeting idea, or perhaps it’s something you’ve been seriously considering. Deciding to sell your home is a significant decision, and timing is crucial. Here are five signs that it might be the right time to list your home....

Good news for home buyers and sellers coming soon with the word of lowered mortgage rates around the corner in September. My concern with this news is home buyers will make the classic mistake of chasing the rates to the bottom only to find out that the home they want is now in multiple offers an...

With home prices and rates still relatively high, securing a mortgage can feel daunting––even to the most experienced borrowers. But don't let that deter you: If other homebuyers' experiences are any indication, odds are you'll eventually find a home loan that works well for you.In fact, most U.S...