Real Estate News and Auction

A recent report from Equifax found that lending activity of all kinds—including to less creditworthy borrowers—is growing in 2025.

Get insights for the best way to use your money. What are the pros and cons of paying off mortgage vs. investing?

“We are in a ‘wait-and-see' housing market as we head into 2026,” an expert shared with Newsweek.

Tidalwave, an agentic AI-powered mortgage point-of-sale (POS) platform, announced a $22 million Series A funding round led by Permanent Capital, with participation from D.R. Horton, Inc., the nation’s largest homebuilder, and a follow-on from Engineering Capital.

Mortgage rates stayed relatively unchanged again this week. In this case, no news is good news as rates remain at the lowest levels in over a year.In fact…...

✅ Why lenders require higher down payments
You’ll learn how:
• No home as collateral
• Marketability concerns
• Resale difficulty
• Environmental uncertainty
• Loan structure differences
…all increase lender risk — and increase the down payment.

✅ Typical down payment requirements
Why land loans often require 20% to 50% down, depending on utilities, zoning, and location.

✅ Interest rates on land loans
Raw land = highest rates.
Improved land = more favorable terms.
We explain why.

✅ Real-world analogies that finally make land loans make sense
Including:
“Lenders love land… but they REALLY love houses. A house can be sold. Dirt? Not so much.”

✅ When a land loan actually makes sense
Perfect for future building, investment, family property, or preparing for a One Time Close construction loan later.

👉 I’m Kris McCullough, a retired Marine and Mortgage Loan Officer with the KDM Team — we’re known for Funding Loans Other Lenders Fear.
We help you fund homes and build dreams across multiple states.

▶️ Watch now, hit Like, and Share it with someone who deserves to live their retirement with confidence and peace of mind.

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: KrisM@PatriotPacific.com
🌐 www.KrisMcCullough.com
NMLS#1756904 | DRE#01985953

Patriot Pacific Financial Corp
NMLS#1921615 | DRE#02103516
Equal Housing Opportunity

📌 Facebook: @KDMLendingTeam
📌 Instagram: @KDMKris
📌 YouTube: @KDMLendingTeam
📌 Website: KrisMcCullough.com
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: CA, AZ, TX, CO, FL, VA, ID, TN, IN, AL, SC, NC, OH, MI, SD, LA, WA, PA, MD

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Redfin Real Estate compiled a list of the most expensive neighborhoods in Phoenix, AZ.