Scott’s Field Notes

Real estate advice you can actually use.

Clear, practical articles for buying, selling, comparing homes, and making smart decisions around the house.

Straight answers

No market-speak required.

I write these notes the same way I work with clients: explain what matters, point out the tradeoffs, and leave room for your priorities. Every home and transaction is different, but better questions are always a good place to start.

An inviting Eastern Iowa home exterior
Buying4 min read

The Rate Isn’t the Whole Deal

A lower mortgage rate can look like the better deal—until you see what it costs to get it. Compare the payment, upfront costs, and how long you expect to keep the loan.

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