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Your Favorite Loan Officer ❤️
On a Mission to Make Mortgage Easy(er)
NMLS #2464939

Book a call here 👉
https://link.theradcrm.com/widget/bookings/lets-chat-loans

08/09/2025

📣 Calling all homebuyers (and those who've been thinking about it)

I'm sure you've seen that rates having been coming down.
Since every realtor and lender are talking about it 🤣

To be honest we're excited about what this means for buyers like YOU.
You can get more house for less monthly OR heck just have a lower payment.

AND we're still seeing incredible deals being negotiated for our buyers.

As demand picks up, seller won't HAVE to make those kind of deals.

These numbers are for principal and interest only.
Not a promise to lend.

05/09/2025

It's Official Y'all!

This afternoon President Trump signed the Homebuyers Privacy Protection Act into law. 🎉

What does this mean for YOU as a homebuyer?

That you won't get 158 calls from rando loan officers after you apply for a loan. (that's a real number from one of my clients...in FIVE days)

The only bummer is that there's a lag, the law will take effect within 180 days, so by March 2026.

Now in the meantime if you're looking to buy a house make sure to go to OptOutPrescreen (link below) to minimize or stop those calls BEFORE your credit is pulled.

https://www.optoutprescreen.com/

28/08/2025

Buy a house with Monopoly Money?!

Well back in 2021/2022 when I was a financial advisor helping clients with some pretty creative strategies.

Some of my clients had kids who kept losing out on homes, so the parents came to me and said: 'Hey Roxy, we want to liquidate $$$ so they can pay cash and refinance later'

Since the parents were my clients and my job was to advise them on financials, we came up with a better strategy to prevent them from having to pay a boatload in taxes.

Kids made a cash offer.
Parents took out a margin loan against investments.
After kids closed they got a delayed financing loan.
Parents got money back within about 5 weeks.

No trades. No tax hit. Just a little interest. WAY cheaper than having to deal with the IRS.

This strategy meant the parents stayed on track for their long-term goals while helping their kids snag a home.

If you're looking for a lender who thinks out-of-the box, let's chat 😉

27/08/2025

What does President Trump's Big Beautiful Bill mean for homebuyers?!

💸 Bigger SALT Deduction
The state & local tax (SALT) cap jumped from $10K → $40K (through 2029) for most households. Huuuge savings for buyers in high-tax states like CA or NY. (Phases out gradually for incomes above $500K).

🏡 PMI is Back on the Table
Putting less than 20% down? Good news—mortgage insurance is now tax-deductible again starting 2025, permanently. That’s worth up to $2K+ a year.

💰 Mortgage Interest Deduction Stays Put
You can still only deduct interest on loans up to $750K (and $375K for single filers)

🏘 More Affordable Housing Ahead
Expanded tax credits mean over 1M affordable rental homes are expected nationwide between 2026–2035. More supply = potential pressure on prices later.

The more you know 😉

26/08/2025

When you lock your loan it’s like buying stock.

The price could go up or down but you’ve locked in.

Now with that being said…as a broker IF/WHEN we have enough time we can do something about it.

But two days before closing.
Ain’t happening if you want to close on time.

There are certain rules and regulations that mean it’s usually a minimum of 7/8 business days.

So if you’d want to have your amazing mortgage broker check the rates you really should do that about two weeks before closing to make sure everything gets done on time 😉

25/08/2025

This particular client was looking at down payment assistance programs.

The interest rate for the program the other lender suggested was about 1% HIGHER than the one I found for this client.

Which is where the $50K swing came from.

Let's be real.
No lender has the best deal for every single type of loan, every day of the week.

That's why I love being a broker so I can shop these lenders for the folks I work with.

If you're in the market to buy and would love to bump up your purchasing power (or see if you can save some $$$) shoot me a DM for your second look. 👀

20/08/2025

Depending on what reports or studies you look at about 44% of people find at least one mistake on their credit report.

☝Personally I thought this was kind of wild when you think about all the things your credit impacts...anyways we'll get back to it!

Since your credit score impacts your interest rate, those mistakes can cost you 💸

If you're looking to buy it's always a good idea to chat with a lender who can do a soft pull to see what you've got going on.

Now if you're thinking, 'well Roxy I'm not quite ready to do that' then why not pull your own credit (for FREE) and make sure it's accurate!

You can do that here: https://www.annualcreditreport.com/index.action

18/08/2025

Listen, I know everyone is wanting the rates to come down BUT....

A recent NAR article came out stating that if/when rates get to 6% we could see about 550,000 MORE households enter the buyers' market.

Depending on what area you're looking at this *could* mean more competition AND prices could go up.

Just good ol' supply and demand.

Remember when people bought truckloads of toilet paper during covid and were charging like $20 a roll?

Let's get back to the Payment Showdown!
Which deal keeps more dough in your pocket??

A $400,000 loan at 6.875% = $2,628 in principal and interest.

A $450,000 loan at 6.25% = $2,771 in principal and interest.

Weird right?

If you've been thinking about buying your first home or right-sizing then let's setup a Discovery call so we can run the numbers for you!

13/08/2025

Another example why a 30 second "pre-approval" isn't worth the paper it's written on.

A realtor posted in a FB group 'any lenders in TN that can handle tricky loans'
Hi yes, that's me. 🙋

After we had a chance to connect, he introduced me to the clients.

A sweet young couple.
First time home buyers.
One of them makes good money and has great credit.
The other makes a bit more money and has NO credit.
Zero. Zlich. Nada.

It's actually possible to do a loan in this scenario IF the person who makes more with no credit has at least TWO tradelines.

"What the heck is a tradeline?" you ask?
It's alternative ways to show you pay your bills on time.
Gym membership. Day care. Rent. Utilities. Car loan. Life insurance.
There are a TON of other options, this is just to give you an idea.

But our friend only had rent.
They weren't even co-signer on anything.
Or on a joint account.

Of course I call everyone I can think of looking for a solution but with two borrowers. With the higher income person having no credit, I kept hearing at LEAST TWO tradelines.

Anyways back to our sweet couple.

Since they'd already been under contract for THREE WEEKS.
They already paid for the inspection and appraisal = $1,000-$1,300

IF the original loan officer who sent them out into the world with this crappy "pre-approval" had done their job, they wouldn't be out that money. 👈 this kind of stuff drives me BONKERS.

I share this with you because if you want to buy a home whether that's in the next 60 days or 6 months, do yourself a HUGE favor and talk to a mortgage broker who will dig in and actually do their job to make sure that you have a solid pre-approval!

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