ALAustin Lampson

1. Article · Oct 1, 2026 · Austin Lampson

   To Permit or Not to Permit: Is That Even a Question? (opens the original)

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   “Hmm … do you care if my garage is really another bedroom?” We are blessed to live between the Pacific Ocean’s beauty and the sparkling peaks of the Los Padres. Yet this geography means that buildable land is finite. Regulations, cost increases, and other limitations reduce the supply of new homes on the market, resulting in a housing stock that can need a bit more TLC. Compounding this is the cost of living, with many homeowners feeling the necessity to rent out part of their abode to supplemen

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2. Article · Aug 13, 2026 · Austin Lampson

   The True Cost of Buy-Downs (opens the original)

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   As rates continue to bounce around, trending upward against inflationary news and data, more and more talk is around buy-downs and how to use them. It sounds nice to have someone pay to lower your interest rate, right? Yet, how to achieve this, and what it actually costs, are the finite details that seem to get glossed over in the hurrah of a quick fix. Let’s break these down so you can understand what options exist and how they may best serve your financial plan. For simplicity’s sake, we’re go

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