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Gerald Lucas

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3 Ways Credit Monitoring Can Lower Your Mortgage Interest Rate?, How Serial Refinancing Can Hurt You Financially, How Much US Home Price Growth Slowed In January?

April 21, 2026 Gerald Lucas

3 Ways Credit Monitoring Can Lower Your Mortgage Interest Rate?

Real Estate Tip:

Get the best mortgage loan you can when you buy a home so you don't NEED to refinance; if rates improve and refinancing makes sense, aim to do so only once--serial refinancing can be expensive, wasteful & financially destructive because every time you refinance you're increasing your debt.

Real Estate News:

US home price growth slowed in January to 1.3% year-over-year.

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Tags Gerald Lucas, real estate tips, real estate strategies, mortgage rates, interest rates, credit monitoring services, mortgage interest rates, credit score
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Which Direction Are Mortgage Rates Going?, Home HVAC Filter Tip, Home Sales Defy Early Forecasts & Fall

April 14, 2026 Gerald Lucas

Which Direction Are Mortgage Rates Going?

Real Estate Tip:

HVAC filters clean air entering heating and cooling systems, protecting components while removing pollutants like dust, pollen, and pet dander. Change home HVAC Filters every 30–60 days to keep your home system running efficiently.

Real Estate News:

NJ home sales are projecting a decline for the 5th consecutive month, falling by 11% in March due to elevated interest rates.

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Tags Gerald Lucas, real estate tips, real estate strategies, Iran War, mortgage rates, interest rates
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Should You Use A HELOC To Pay Off Credit Cards?, How Landlords Should Reward Good Tenants, Recent US Home Values Growth %

December 9, 2025 Gerald Lucas

Should You Use A HELOC To Pay Off Credit Cards?

Real Estate Tip:

Good tenants are worth keeping. Landlords should keep rents for good tenants slightly below market--this limits service calls and reduces your property management and maintenance costs over time.

Real Estate News:

Home values have recently grown, as the median U.S. home-sale price rose 2.3% during the four weeks ending Nov. 16—the most significant increase in seven months.

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Tags Gerald Lucas, real estate tips, real estate strategies, HELOC, home equity line of credit, credit cards, interest rates, APR, debt
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