Saturday Strategy
Mortgage FAQ's, did you knows and much more...
Help with down payment is not just for first time home buyers
I wanted to quickly share a video about a fantastic down payment assistance program we launched about a month and a half ago call Luminate PATH National Down Payment Assistance Program
Here are the highlights:
- It's not just for first-time homebuyers; anyone can benefit.
- You can keep your current home if you own one and rent it out.
- No need to sell your current house if you're looking to move.
- There is a forgivable option and a repayable option
- No income limits
These guidelines offer flexibility. While I'm summarizing here, feel free to reach out for more details. The reason behind this video is to shed light on the available options, especially with soaring housing costs and rates. Buying a house and saving for a down payment can be tough right now, but there are solutions.
Thank you for being amazing clients. Wishing you a wonderful weekend. Feel free to share this video with anyone who might benefit. Have a great day!
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
* DISCLOSURE: The results above are based on (i) information provided by you, (ii) estimates of interest rates, closing costs,another amounts, and your tax bracket (iii) currently available loan programs and (iv) information and assumptions that may or may not have been previously discussed with your Home Loan Specialist, all of which might change over time. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. This is not a credit decision or a commitment to lend.
P.S. Can I count on you to call us when any friends, family or coworkers are looking to buy, sell or refinance a home? We'd love to help! You can just text/call me at 480.553.8770.
* Did you know we can finance in 45 states?
Native American Section 184 vs. VA Loan: Which Is Right for You?
Section 184 vs. VA Loan: Which Is Right for You? | Kevin Brierton If you’re a Native American homebuyer — or a loan officer working with one — you may have more options than you realize. Two of the strongest government-backed programs available today are the Section 184 Indian Home Loan Guarantee (administered by HUD)…
Sellers Are Pricing to Sell — And Inventory Is Rising. Here’s What That Means for Buyers Right Now.
For the week of June 1, 2026 QUOTE OF THE WEEK “The problem with the future is that it keeps turning into the present.”—Bill Watterson, American cartoonist NATIONAL MARKET UPDATE Inventory continued to build, with the number of homes for sale remaining above year-ago levels. New listings also increased compared to last year, giving buyers more…
VA Loan vs. Conventional Loan: Which One Is Right for You?
If you’re a Veteran or active duty service member shopping for a home, you’ve probably heard that you have access to a VA loan. What’s less clear is whether you should actually use it, or whether a conventional loan might make more sense for your situation. The honest answer is that for most Veterans, the…
The Real Reason Some People Are Still Moving Right Now
You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier. And honestly? A lot of people feel that way right now. But here’s what some are starting to realize. Waiting doesn’t usually fix the thing that made you…
Asking Prices Have Dropped or Held Flat for 30 Straight Weeks. Is the Market Finally Shifting in Buyers’ Favor?
Inside Lending for For the week of May 26, 2026 QUOTE OF THE WEEK “You can learn many things from children. How much patience you have, for instance.”—Franklin P. Jones, American writer and humorist NATIONAL MARKET UPDATE Housing inventory continued to rise last week, remaining above year-ago levels as sellers gradually reengage with the market. Homes…
What Most Veterans Don’t Know About Their VA Home Loan Benefit
Nearly half of Veterans (49%) feel homeownership is currently out of reach, according to a recent survey from NewDay USA. But many are closer than they think. And you might be, too. If you’re a Veteran, you probably know the VA home loan benefit exists. It’s been around for over 80 years. What you might…
New Home Prices Are at Their Lowest Since 2021. Here’s What That Means for Buyers Right Now.
If you’ve always assumed a newly built home is just not in your budget, you should know the math just got a little friendlier. But before you start touring model homes, there’s more to the story than the sticker price. The median sale price of a newly built home is now at its lowest level…
Are Home Prices Going To Fall?
It’s one of the biggest hold ups some buyers have right now: “What if I buy, and home prices go down?” With everything in the news, that concern makes some sense. No one wants to make a big financial decision at the wrong time. But here’s what’s important to know. You don’t want to get hung up…
Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out.
You may have seen the headlines lately about mortgage debt in America hitting a record high. And maybe your brother-in-law brought it up at the dinner table like he’s been waiting all week to spark a debate. Here’s the thing. He’s not wrong. But he only has half the story. And the half he’s missing?…
Turning Debt Into Opportunity: The Liability CPR Approach
Most people look at debt as something to avoid, eliminate, or feel guilty about. I look at it differently. Debt can be dangerous when it is unmanaged. But when it is structured correctly, it can become a tool for cash flow, liquidity, protection, and long-term wealth building. That is the heart of the Liability CPR…
P.S. Can I count on you to contact me if you hear that a friend, family or coworker is looking to buy, sell or refinance? Call/Text 480.553.8770 - We'd be honored to help them too!