You Do Not Need 20 Percent Down to Buy a Home and This Belief Is Keeping Too Many Buyers Waiting
Published on: 02/09/2026
Loan programs, DPA, seller concessions reduce upfront costs. Geoff Ricker explains your real down payment options.
mortgage
Should You Buy Now or Wait for Mortgage Rates to Drop and Here Is the Honest Answer
Published on: 02/09/2026
Lower rates bring more buyers and higher prices. Geoff Ricker explains why timing beats rate chasing now.
mortgage
Mortgage Rates Are Starting to Ease as Oil Prices Drop and Here Is What to Watch This Week
Published on: 31/07/2026
Tensions ease, oil drops, rates improve slightly. Geoff Ricker explains what the Fed meeting means now.
mortgage
27 Years as a Loan Officer and Geoff Ricker Still Leads With Honest Guidance and On-Time Closings
Published on: 30/07/2026
27 years, every loan type, on-time closings. Geoff Ricker at Bay Capital explains what he commits to you.
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