
Episode #19
Buying Smart in 2026: Mortgage Strategies for a ‘New Normal’ Market with Rick Murphy
<p>Summary</p><p>In this episode of Real Talk, Rick Murphy from Ballston Spa National Bank discusses the evolving landscape of real estate and mortgage lending. He emphasizes the importance of understanding the total payment rather than just focusing on interest rates, especially as we move into 2026. Rick shares insights on preparing for homeownership, the significance of credit scores, and common mistakes buyers make. He also highlights smart mortgage strategies, the importance of building a reliable team of professionals, and the need for pre-qualification before house hunting.</p><p>Takeaways</p><p>Buyers should focus on total payments, not...






