Todd Raley

Learn when hiring a real estate lawyer makes sense during a home purchase—and when you might not need one.

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Mortgage contingency protects your deposit if financing falls through. Discover when to include this clause and how to customize terms for your home purchase.

Mortgage Contingency Explained: Protect Your Home Purchase in 2025 Mortgage contingency protects your deposit if financing falls through. Discover when to include this clause and how to customize terms for your home purchase.

Learn the key differences between appraised value and market value when buying a home and what it means for your mortgage and budget.

Understanding Appraised vs. Market Value in Real Estate Learn the key differences between appraised value and market value when buying a home and what it means for your mortgage and budget.

More homes are on the market and affordability is shifting. Find out how this benefits buyers and why now is a smart time to purchase.

Housing Supply Is Rising — What It Means for Homebuyers More homes are on the market and affordability is shifting. Find out how this benefits buyers and why now is a smart time to purchase.

Learn which DIY home improvements boost your home's value and which ones hurt resale. Expert guide covers safe DIY projects vs. when to hire professionals.

Do It Yourself or Hire a Professional? Learn which DIY home improvements boost your home's value and which ones hurt resale. Expert guide covers safe DIY projects vs. when to hire professionals.

Learn what to consider before buying a vacation home, from location to costs, rentals, and climate risks.

Vacation Home Buying Guide Learn what to consider before buying a vacation home, from location to costs, rentals, and climate risks.

This simple calculation shows your potential return in under 2 minutes. Smart investors use it for every deal.

Want to know if a rental property will make you money? This simple calculation shows your potential return in under 2 minutes. Smart investors use it for every deal.

Learn how to use your home's equity to purchase an investment property and grow your real estate portfolio.

Put Your Home Equity to Work Learn how to use your home's equity to purchase an investment property and grow your real estate portfolio.

All of us at Modern Home Loans would like to wish you and your family a Happy 4th of July!

Happy 4th of July!

Some veterans are choosing conventional loans over VA loans. Learn why and see if it's the right move for your next home purchase.

VA Loans vs. Conventional Loans Some veterans are choosing conventional loans over VA loans. Learn why and see if it's the right move for your next home purchase.

Different generations want different mortgage rates—but is waiting for the "perfect" rate worth it?

What Interest Rate Do Homebuyers Want? Different generations want different mortgage rates—but is waiting for the "perfect" rate worth it?

Fewer foreign investors are buying U.S. homes—here’s how that shift could create new opportunities for American homebuyers.

Foreign Buyers Pull Back from U.S. Housing Fewer foreign investors are buying U.S. homes—here’s how that shift could create new opportunities for American homebuyers.