Season 2
What Happens if You Get Injured on Duty?
It’s no surprise that some of our clients get hurt in the line of duty. Such injuries often result in the loss of overtime or part-time employment opportunities, which may vary by department.
06/08/26
How the Credit Union Can Help
Although Police Mortgage and The National Police Federal Credit Union are technically separate entities, Police Mortgage is owned by The National Police Federal Credit Union, creating a relationship closer than a simple partnership.
06/07/26
Can You Buy a Home without Overtime?
Many first responders, especially police officers, work overtime to afford a home. However, it’s possible to buy a house with just your base income if you manage your finances well.
06/06/26
Stability in Your Financial Plan
To me what home ownership represents within a financial plan is stability. I think especially for police officers, firefighters, and EMTs owning a home is seen as stability because they are dedicated to a cause that doesn’t necessarily correspond with income.
06/05/26
Breaking the Rent Rut
The executives of our Police Mortgage, as well as those of our parent company – National Police FCU, have a philosophy about business and even life in many cases. That philosophy is “Don’t wait!”
06/04/26
End of Watch Loan Protection
End of Watch Loan Protection is a special debt-cancellation benefit created exclusively for active police officers, firefighters, and EMTs. It is available for multiple loans taken through Police Mortgage and its parent company, National Police FCU, at no cost to the borrower.
06/03/26
Will There Be Opportunities in 2026?
Thinking optimistically, the answer to that would be “Yes”. Thinking practically, the answer is “Maybe,” because the future’s promised to no one. I think I’m a broken record on that one.
06/02/26
Arizona
I recently heard that Missouri took a significant step by acknowledging and supporting first responders with a new law that recognizes post-traumatic stress disorder as a legitimate reason for workers’ compensation.
06/01/26
Missouri
I heard that Phoenix passed a bill in late 2023 that provides counseling for 911 dispatchers suffering from PTSD. While they may not be seeing the trauma they are certainly hearing it.
05/31/26
Mortgage Rates in 2025
There may not be much movement with mortgage rates in the immediate future. For the short term, you may still see some higher costs, inflationary costs for things like groceries and gas and household items.
05/30/26
Ohio
Ohio is a great market for Police Mortgage especially for police home loans. I’ve been to Cincinnati a few times. I like Cincinnati. It’s a cool town.
05/29/26
Creating Generational Wealth
You certainly can build generational wealth by utilizing real estate. I don’t know where I heard this, but I think someone famous said one of two ways to become super wealthy is through the acquisition of real estate.
05/28/26
Best Time to Buy in 2025
When is the best time to buy a home in 2025? Well, I think if you’re talking about the Midwest, it’s probably spring because that’s when the most homes will be listed for sale. But every year is a different market, right?
05/27/26
Marry the House Date the Rate
When someone is buying a home they generally don’t want to have to go through that process multiple times. Thus, the common phrase “marry the house”.
05/26/26
Financial Mistakes and Best Practices for Young First RespondersYoung first responders often begin their careers with a strong sense of purpose and a long-term commitment to their communities. That makes early financial decisions especially important. Building good habits in your 20s can make it easier to obtain a police home loan, manage debt, and create a stable foundation for the future.
06/09/2026
When to Use an ARM
How much risk should someone take with an adjustable-rate mortgage (ARM)? It can be a useful option, but it is not right for every buyer. For example, if someone is paying $5,000 a month in rent and a $7,000 mortgage payment feels like a stretch, an ARM might help bridge the gap while still allowing them to build equity.
6/23/2026
Is There a Bad Time to Buy a Home?
Is there ever a bad time to buy a home? From a market perspective, not really. You’ll rarely hear a loan officer say, “Don’t buy a home right now” or “It’s a bad time to get a mortgage.” The biggest concern buyers usually have is purchasing at the peak of the market. While no one can fully predict or prevent market downturns, buying a home and building equity is generally a smart long-term move.
06/16/2026
Setting Up Homebuyers for Success
We discussed how an Adjustable-Rate Mortgage (ARM) can be an effective financial tool under appropriate circumstances. However, it is important to use discretion and discipline when considering this option.
06/30/20225
