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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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How Mortgage Buydowns Differ From ARMs & Discount Points?, Demand This Before You Buy Rental Property, US Existing Home Sales Fall By How Much?

January 28, 2025 Gerald Lucas

How Mortgage Buydowns Differ From ARMs & Discount Points?

Real Estate Tip:

Always ask to see any existing leases for any rental property you are considering for purchase. If you buy the property, you will be subject to the terms of those leases. Make sure the leases match the seller’s representations.

Real Estate News:

US existing home sales fell in 2024 to the lowest level since 1995.

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Tags Gerald Lucas, real estate tips, real estate strategies, ARM, adjustable rate mortgage, points, mortgage, mortgage buydown
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