23 Oct 2026
By Aadil Nathoo

How Leased Solar Panels Can Affect Your Mortgage Approval

Mortgage Tips, ,
Solar panels can make a home attractive to buyers who want to manage electricity costs. But the panels on a roof are not always owned by the seller. When a solar system is leased or covered by another third-party agreement, buyers may need to review additional paperwork before their mortgage can be finalized. Owned and Leased Systems Are Different With an owned solar system, the homeowner generally owns the equipment, although there may still be a loan secured by the system or property. With a lease, a separate company typically owns the panels while the homeowner pays to use them.…
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22 Oct 2026
By Aadil Nathoo

What Happens When the Home You Want Is on a Private Road?

Mortgage Tips, ,
A home tucked away at the end of a quiet private road may offer the privacy and space buyers have been looking for. Yet the road leading to the front door can raise questions that have little to do with the home's appearance. Before purchasing, it is important to understand who has the right to use that road and who is responsible for maintaining it. Private Roads Are Not All Alike Unlike a public street typically maintained by a government agency, a private road may be owned or maintained by individual property owners, an association, or another private party. Some…
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21 Oct 2026
By Aadil Nathoo

Why Unpermitted Renovations Can Create Problems During Mortgage Approval

Mortgage Tips, ,
A remodeled kitchen, converted garage, or added bedroom can make a home look more appealing. But a beautiful renovation does not always tell the full story. If work was completed without permits that were required locally, buyers may encounter questions during the appraisal, inspection, or mortgage approval process. What Does Unpermitted Work Mean? Building departments often require permits for certain structural, electrical, plumbing, and other improvements. Requirements vary by location and by the type of project. Replacing cabinet hardware may not require approval, while moving load-bearing walls or adding living space often does. Unpermitted work means a project was completed…
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20 Oct 2026
By Aadil Nathoo

Can You Finance a Home That Has a Second House on the Property?

Mortgage Tips, ,
Finding a property with two houses can feel like discovering a bonus. The smaller home might provide space for relatives, visiting friends, or future rental income. Before making plans, however, buyers should understand that financing a property with two residences may be different from financing a typical single-family home. Start With How the Property Is Classified A detached second house is not always treated the same way as an accessory dwelling unit, commonly called an ADU. Local zoning rules, permits, separate utility connections, and the property's legal description can influence how the additional structure is classified. Some properties have a…
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19 Oct 2026
By Aadil Nathoo

What’s Ahead For Mortgage Rates This Week – October 19th, 2026

Financial Reports, ,
Inflation numbers are in and came in much higher than expected. Even the core inflation numbers for both reports were higher than anticipated. Core inflation is intended to exclude some of the most volatile components, including food and energy costs, painting a picture in which the Federal Reserve will need to continue its tightening measures until inflation is under control. In particular, the Producer Price Index (PPI) showed a significant increase above expectations, impacting businesses and potentially trickling down to consumers over time. The retail sales report also confirms that consumers have significantly slowed their purchases compared to the previous…
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