I hope you’re all doing well and getting ready for the big holidays! I still remember when buying gifts for my parents and siblings meant spending every night wandering around the mall, at least I was with friends, but it sure felt like a full-time job. Then I got married and, just like that, most […]

I hope you had a wonderful Thanksgiving weekend and welcome to December!   The Federal Housing Finance Agency (FHFA) has released the 2026 Conforming & High-Balance loan limits, and this year’s increases open the door to more purchasing power. Below is a breakdown of what agents and buyers need to know. 2026 Conforming Loan Limits […]

This world is fascinating, and sometimes a little shocking. Greed has taken over in ways that are very different from the world I grew up in. I’ve been in this business for the better part of 35 years, and I’ve owned Augusta Financial for over 30 of those years. Things change, markets shift, and you […]

For years, conventional conforming loan underwriting through Fannie Mae and Freddie Mac have used a “hard” minimum credit score threshold, typically around 620 for most scenarios. But in recent updates both have announced “minimum credit score requirements will no longer apply to loans submitted to DU/ or LP”   What the Guide says Some key […]

Over the last week, many clients and agents have been inquiring about the concept of a “50-year mortgage” following President Trump’s mention of it in a recent interview. Whenever something new hits the headlines, buyers start wondering if it’s the magic solution that will finally make homeownership affordable.   Let me be very clear: This […]