LoanSome Dough

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LoanSome Dough

Your Favorite Mortgage Broker ❤️
NMLS #2464939

Powered by Edge Home Finance | NMLS #891464

01/14/2026

Happy spouse, happy house. 😉

01/12/2026

Do rates matter? Sure.
Do programs matter? Absolutely.

But strategy wins every day of the week.

This buyer came in asking about $0 down options and qualified for both Down Payment Assistance and USDA.

Here’s where it gets interesting 👇

To stay within their desired monthly budget:
• Down Payment Assistance: max purchase ≈ $185,000
• USDA: max purchase ≈ $225,000

Same buyer.
Same budget.
$40,000 difference.

This is exactly why a Pre-Purchase Strategy Session matters before you ever start touring homes.

Book a call to learn more!

01/08/2026

I was hoping we left this nonsense in 2025 but it apparently not.

Listen, I get it, the paperwork that is necessary for getting a loan isn't fun or sexy.

Which is just another reason to knock it out early.

If your lender is giving you a 'pre-approval' without looking at your paystubs or bank statements then it's not even worth the paper it's written on.

So do yourself a solid and work with someone who does the due diligence up front to save you the heartache later.

BTW that would be me 😉

01/07/2026

Let's talk about some stats...

Large institutional investors (those who own over 100 homes) own between 3 - 3.8% of single-family rentals nationwide.

Here's the kicker, in certain markets they own up to 12.4%. 🤯

What do you think about this potential move?!

Here's the article where I got those numbers:
https://econofact.org/factbrief/do-private-equity-firms-own-20-of-single-family-homes

01/06/2026

If you're running from lender to lender, quote to quote, you don't have a plan, you have an anxiety attack waiting to happen and it doesn't have to be that way.

We do mortgage different because you deserve more.

If you're curious about what the heck a mortgage strategy is and what you qualify for, let's chat!

12/31/2025

Looking back on 2025, I’m feeling incredibly grateful.

Of course, from the business perspective we measure our success based on the numbers but that doesn’t tell the real story does it?

What’s really special about being a mortgage broker are the people I get to serve…

✨ The first-time buyers who trusted me to guide them along this home loan adventure.

✨ The grandparents who bought their forever-home down the street from their sweet grandbabies.

✨ The mama going through a divorce who needed a safe home of her own for and her kiddos.

✨ The widow who wanted to lower her monthly payment and stress level by doing a reverse mortgage.

✨ The investor who bought their first investment property.

To my clients and referral partners out of all the incredible mortgage pros out there, THANK YOU for choosing to work with yours truly.

Excited to bring everything we learned in 2025 into 2026 to work with more amazing folks!

12/29/2025

One of the things this professor pointed out that I thought was interesting was that they, "have become more expensive over the course of the 2022-2024 time period, relative to other lenders"

Also those making under $100K were more impacted by the price difference.

But as always, I encourage folks to do their own homework...

Here's the article I read: https://www.realestatenews.com/2025/12/22/borrowers-who-use-zillow-home-loans-pay-more-study-suggest

12/25/2025

Merry Christmas Y'all ☺️

12/22/2025

Y'all. If you've been considering a refi this post is for YOU!

So these folks bought an investment property a few years back and were curious about refinancing.

After plugging everything in we're looking at rates between 6.624% - 6.99%.*

You maybe wondering, "why is there a range?"

Great question.

Different interest rates have different lender credit or costs (buydown) so before they decide on the rate we're going to do an analysis to find out from a numbers perspective what strategies aligns with both their short-term AND long-term goals.

AKA what's the best bang for their buck 😉

If you're working with a lender who just presents ONE interest rate like that's the end all be all....I hate to break it to you but that's not the whole story.

So if you've been curious about your numbers shoot me a text at 865-424-7997 and I'll run them for you!

* Property valued at $450,000. Loan amount $337,500. Estimated FICO 720. 6.981% - 7.367% APR

12/11/2025

A lot of folks think the annuity option is the “safe” play… but here’s why I disagree. 👉

If you win more than $5,000, you’ll pay 24% federal income tax on your lottery winnings.
(And for my fellow Tennesseans no state income tax here.)

So that “$1,000 a week for life”?
After tax, you’re really pocketing about $760 a week.

Sounds amazing...Until you factor in inflation.

What cost $760 in 2005 now costs $1,263.94 in 2025.
That means your weekly payout is losing purchasing power every single year.

This is why the lump sum would be my pick:

A $1,000,000 win becomes about $760,000 after taxes.

Now let’s look at what happens if she invests it and follows the 4% withdrawal rule:

Weekly withdrawal: $584 (yes, slightly lower than $760 but stick with me)

Since she didn't have to touch the principal here's what the balance looks like years later...
At 40: $1,742,237
At 50: $3,060,325
At 60: $5,709,023
That's all based on a 7% annual return.

And at age 60?
She could withdraw $4,391 per WEEK without ever touching principal.

That my friends is why Albert Einstein said "compound interest is the eighth wonder of the world".

Address

5860 Baker Road
Knoxville, TN
55345

Telephone

+18652973650

Website

https://edgehomefinance.com/team-member/roxy-miles/

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