Contributors / The Equitian

Lee Witte

The latest

Generated editorial illustration of a modest brick-and-siding home on an autumn residential street.

November 4, 2026

The Rate Is High. Can the Purchase Still Make Sense?

A rate that feels high doesn't settle the purchase decision. I'd check whether the full payment fits now, what cash remains after closing and whether the plan depends on refinancing.

By Lee Witte

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October 29, 2026

Should You Pay Points to Lower Your Mortgage Rate?

Paying points can lower your rate. In my example, one point takes five years to earn back. Here's how I'd decide, and how to keep cash for closing day.

By Lee Witte

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Illustrative tree-lined neighborhood with brick-and-sided houses and autumn foliage. AI-generated editorial illustration, not a real customer or identified property.

October 23, 2026

Rates Eased on October 22. Here's What I'd Check Next.

Mortgage rates eased on October 22. I explain what that means for your numbers and why I'm launching The Equitian to help you make informed decisions.

By Lee Witte

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The latest

The Rate Is High. Can the Purchase Still Make Sense?

Should You Pay Points to Lower Your Mortgage Rate?

Rates Eased on October 22. Here's What I'd Check Next.

A little more perspective.