It's a PITI party.
The “P” in PITI stands for this—also known as the part that actually builds wealth.
PRINCIPAL
This key economic indicator heavily influences mortgage rates and is often referenced alongside them.
10-YEAR TREASURY
This U.S. state produces the most peaches… despite Georgia doing all the marketing.
CALIFORNIA
This desert city is known for its casinos, neon lights, and poor financial decisions.
LAS VEGAS
I caught my neighbor stealing socks off my clothesline.
I was going to confront him, but…
I GOT COLD FEET.
These TWO parts of your monthly payment can change over time—even if your interest rate doesn’t.
TAXES & INSURANCE
Even in a higher-rate environment, the housing market continues to function because of this basic principle.
SUPPLY & DEMAND
This household item was originally invented to keep astronauts from floating away while they slept.
VELCRO
Mount Rushmore is located in this state, which is not nearly as rushed as the name suggests.
SOUTH DAKOTA
Breaking news: Little Red Riding Hood is in critical condition, but…
SHE'S NOT OUT OF THE WOODS YET.
This ratio compares a borrower’s monthly debts to their income and is one of the first things lenders look at.
DTI (DEBT-TO-INCOME RATIO)
Buyers today are still active—but they are more focused on this than they were during ultra-low rate environments.
MONTHLY PAYMENTS (AFFORDABILITY)
Congrats Rory! Name one of the two sandwiches at Augusta National that have each cost patrons a cool $1.50 each for over 23 years.
PIMENTO CHEESE & EGG SALAD
This is the only letter in the English alphabet that does not appear in any U.S. state name.
Q
My cell phone accidentally took a 10-minute video of my shoes yesterday...
IT WAS SOME PRETTY GOOD FOOTAGE.
With this strategy, buyers enjoy a discounted rate early on—while their future selves are left to “figure it out” in years 3 and beyond.
2-1 BUYDOWN (RATE REDUCER)
When elevated, this economic force makes it harder for rates to come down quickly.
INFLATION
This symbol “#” is officially known by this term.
OCTOTHORPE
This Florida destination is the southernmost point in the continental U.S. and requires a long, commitment-heavy drive.
Whoever came up with the word dentures really missed the opportunity to call them this.
"SUBSTITOOTHS"
Quick. Text me.
???
This common buyer strategy assumes rates will drop soon and everything will magically improve… which is less a plan and more this.
This is the only number that is spelled with letters in alphabetical order.
F-O-R-T-Y
This scenic mountain drive along the NC/TN border is known for 318 curves in 11 miles—perfect for views, terrible for weak stomachs.
TAIL OF THE DRAGON
My dad likes to sit in his front yard chasing kids off his property.
Like some sort of...
LAWN ENFORCEMENT OFFICER