HeyJaredKevin Oto
- Indexed articles, last 90 days
- 5
- Latest publication
- Sep 28, 2026
- Outlet visibility, for Mortgage Professional
- Top 1M sites
- Earliest in this view
- Jul 15, 2026
Latest articles
Slow markets are when brokers should spend the most, not the least (opens the original)
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A $6,000 per-loan gap separates the best brokers from the worst - and slow markets build it Most brokers treat a slow market as something to survive. Instead, I try to treat it as the only window in which I can actually rebuild my business. This year, I’m spending more on systems, marketing and technology at Green Haven Capital than I did when volume came easily. The rational for this approach can be found in the Mortgage Bankers Association's second-quarter 2026 production data: A fifth of inde
Sacramento buyers haven't disappeared, they've gotten pickier (opens the original)
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Green Haven Capital's Kevin Oto on why Sacramento demand is splitting into two very different markets at once There is definitely hesitation among Sacramento-area buyers right now, but I don't think affordability alone explains what we're seeing. Many buyers can qualify and afford the payment. They're simply much more cautious about whether they're getting enough value to justify it, and that's creating what feels like two markets happening at the same time. A well-priced, updated single-family
Starting a mortgage company in 2008 taught me not to fear volatility (opens the original)
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Green Haven Capital founder Kevin Oto on why the mortgage crisis shaped his approach to uncertain markets I founded Green Haven Capital in 2008, which, looking back, was probably not the most obvious time to start a mortgage company. The housing market was collapsing, lenders were shutting down, loan programs were disappearing, and guidelines were changing constantly. But starting a company in that environment taught me lessons that still shape how I run my business, and the biggest one is that
Why the lowest mortgage rate isn't always the best deal for buyers (opens the original)
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Green Haven Capital's Kevin Oto explains why buyers who fixate on rate alone risk losing the house they want I've watched too many buyers lose the house they wanted over an eighth of a point in interest rate. That's the biggest mistake I see in this business: letting the entire conversation become about rate. I understand why it happens. The interest rate is the easiest number to compare, and buyers have been conditioned to believe that whoever quotes the lowest number is offering the best deal.
Mortgage rate volatility demands strategy over perfect timing (opens the original)
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Green Haven Capital's Kevin Oto on why disciplined planning, not rate timing, drives smarter refinancing decisions today Mortgage rates have swung between the fives and sixes over a short stretch, and I understand why so many borrowers feel stuck waiting for the number to drop before they act. But after two decades in this business, including founding Green Haven Capital in 2008 during one of the toughest markets in modern history, I have learned that waiting for the perfect rate is rarely a win
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