While Pag-IBIG has traditionally been the "go-to" for affordable housing due to its 30-year term and leniency, Bank Financing has become aggressively competitive in 2025. Major banks (like BDO, BPI, Metrobank, Security Bank) are currently offering "promo rates" that...
For more than a decade (2007โ2018), I was living on the dark side of my own life. Paycheck to paycheck. โฑ0 savings. Almost every night was spent drinking. Involved in drugs. No network. Selling wasnโt my thing. Low energy. No...
New agents often ask, โWhatโs the secret to success in real estate?โ The truth isnโt a secret at all. Top performers have two things in common: (1) a clear, deeply personal WHY, and (2) the discipline to follow a proven...
When a typhoon wipes out or floods a property youโre still paying for, the rules change depending on where you are in the process: pre-turnover (equity stage) or post-turnover (already amortizing). Under the Civil Code (fortuitous events), PD 957 (developer...
