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Gerald Lucas

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3 Ways To Make US Housing More Affordable, How To Protect Your Home During Heavy Snow, Biggest NJ Home Sales Drop In 4 Years

February 24, 2026 Gerald Lucas

3 Ways To Make US Housing More Affordable

Real Estate Tip:

Protect your home during heavy snow by clearing gutters to prevent ice dams, use a roof rake to remove excessive snow load, and keep exterior vents (furnace & dryer) clear to avoid carbon monoxide buildup.

Real Estate News:

US home sales fell 8.4% in January which is the biggest decline since February 2022.

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Tags Gerald Lucas, real estate tips, real estate strategies, student loans, mortgage, DTI, debt-to-income ratio, debt, credit cards, home affordability, middle housing, modular construction, micro housing
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Can You Get A Mortgage With Student Loans?, How To Invest In Real Estate Tax Free, Home Sellers Begin To Buckle

February 17, 2026 Gerald Lucas

Can You Get A Mortgage With Student Loans?

Real Estate Tip:

You can legally invest in real estate with your IRA and 401(K) and pay little or no taxes provided your IRA or retirement plan uses an approved custodian. The widespread misconception that permissible IRA investments are limited to stocks, bonds, mutual funds and CDs is often promulgated by people and companies who sell those products.

Real Estate News:

62% of US home buyers in 2025 purchased a home below the original listing price.

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Tags Gerald Lucas, real estate tips, real estate strategies, student loans, mortgage, DTI, debt-to-income ratio, debt, credit cards
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5 Keys To Qualify For A Mortgage Loan, Strategy To Find The Best Renovation Contractor, Mortgage Rates Move In An Unexpected Direction

August 19, 2025 Gerald Lucas

5 Keys To Qualify For A Mortgage Loan

Real Estate Tip:

Get at least 3 difference contractor estimates on any real estate renovation projects you are considering taking on. Make sure each estimate is for exactly the same scope of work so you can make an apples to apples comparison.

Real Estate News:

The average rate on a 30-year fixed mortgage declined to 6.58%, the lowest level in 10 months.

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Tags Gerald Lucas, real estate tips, real estate strategies, debt-to-income ratio, credit score, employment history
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