Miscommunication or lack of communication happens all the time in life. How many times have you said to yourself? 

I wish I had known that before….
And during the homebuying process lack of communication can cost you thousands…even tens of thousands of dollars. 

Most people don’t even know where things went wrong.

Because there are so many people involved in a single transaction:
Listing agents.
Buyer’s agents.
Title companies.
Inspectors.
Appraisers.
Your loan officer.

Dozens of conversations and plenty of chances for something to get lost in the shuffle.

But there’s one relationship that causes more problems than anything else — and it’s the one buyers expect to be rock solid:

Your real estate agent and your loan officer.

They actually talk far less than you think.
And that gap shows up at the worst possible moment — when you’re ready to make an offer.

Here’s how homebuying usually works.

You find the house, you text your agent to go take a look, you love it, and an offer goes out ASAP

You’ve got your pre-approval letter… so it feels like you’re good to go, right?

But this is where buyers make the biggest mistake:

They skip the strategy call.

You need your agent and your loan officer aligned before anything gets submitted.

Because your home loan can be structured multiple ways — and the best structure depends on the home, the price point, the competition, and the timing.

That one conversation can save you real money by helping you:

– Remove mortgage insurance
– Get your closing costs covered
– Lock in a lower rate
– Strengthen your offer without paying more
– Understand what you can negotiate based on the property

But most loan officers don’t get involved until after the contract is accepted.
And at that point, you’ve already lost leverage — or you’re trying to re-work the deal after it’s too late.

If you want the best loan structure, don’t rush into the offer.

You pause. You get your people aligned and run the numbers based on the house you’re about to write an offer on. 

One short conversation protects your money and positions you to win the deal AND get the best terms on your loan.

If you’re planning to buy a home, make this one rule non-negotiable:

No offer goes out until your agent and your loan officer talk with you on the call.

You’ll buy smarter, you’ll save money, and know that you got the best deal possible. 

The Fed meets next week, and I want you to be prepared for what’s coming.

Yes — I expect a 25-basis-point rate cut.
But no — that doesn’t mean mortgage rates are suddenly dropping.

The market has been expecting this cut for months.
Which means the adjustment is already priced in.
Already baked in.
Already reflected in the rates you’re seeing today.

So here’s the part that actually matters:

Don’t build your homebuying plan around Fed events you can’t control.
Build it around the strategy you can control.

Educate yourself.
Know your numbers.
Understand how the loan structure works.
And get your team aligned before you make an offer.

That’s how you lower your payment.
That’s how you secure better terms.
That’s how you put yourself in the strongest financial position — regardless of what the Fed does next week.

The buyers who win aren’t the ones who wait for perfect headlines.
They’re the ones who prepare.
One clear step at a time.

Continue learning, plan smart, and, as always, don’t pay more than you need to for your home. 🏡💡

- Brandon Brotsky

P.S. New here? Start with our Smart Homebuyer Welcome Kit, it’s a simple guide to rates, payments, and strategies that could save you thousands.