Brian Willingham

Independent Mortgage Broker
Individual NMLS ID 704757-Company NMLS ID 2642108 (

[Brian Willingham @bwillingham8]

Fannie Mae and Freddie Mac just made buying a condo a little harder and a little more expensive. The limited condo review is gone, and a full review will need to be done in most cases, which are more expensive and open the door for more scrutiny.

But this is where working with a mortgage broker instead of a bank can make a big difference! Because I work with some of the largest lenders in the country and can shop multiple investors, we may be able to find a lender that already has the condo project approved—potentially eliminating the need for a new full project review. I also have investors that don’t require condo project reviews at all or accept condos that Fannie and Freddie might not.

If you are thinking of buying a condo, check on the financing side first. I'm always happy to help you navigate the home buying process!

[Brian Willingham @bwillingham8]

Summer isn't over, and neither is your chance to buy a home! There's still time to make your move before the season ends. Message me to explore your options.

[Brian Willingham @bwillingham8]

Did you know you could earn points on your biggest monthly expense? Message me to see how you can get Built-In Rewards* on your next home purchase or refinance.

[Brian Willingham @bwillingham8]

The home that’s been sitting on the market for a few weeks? Maybe even a month? Don’t scroll past it just yet. Because the longer a house sits, the more open the seller usually is to dropping the price or negotiating.

[Brian Willingham @bwillingham8]

A growing family.
An empty nest.
A new job.
Retirement.
Needing to be closer to loved ones.
Those are the real reasons 1 in 5 buyers last year said they felt like they had to move, no matter the market. Because life doesn't wait for the timing to be perfect.

[Brian Willingham @bwillingham8]

Be honest. Have you started looking at homes online yet?

Because if you have, it’s already time to get pre-approved.

#MortgagePreapproval #HomebuyingTips #KeepingCurrentMatters

[Brian Willingham @bwillingham8]

Home affordability is the best it’s been in 4 years.

That’s thanks to: Lower rates. Slower home price growth. And rising wages.

And while the affordability problem isn’t solved, many buyers are finding the numbers work better today.

#HomeAffordability #MortgageRates

[Brian Willingham @bwillingham8]

You’ve been waiting for rates to drop — and it’s happening. Mortgage rates are at their lowest levels in nearly 3 years and expected to stay near this range through 2026.

If buying didn’t make sense before, it might now. Time to revisit your numbers.

[Brian Willingham @bwillingham8]

Looking to turn homes into income? Let me show you how you can finance future investment properties, providing you with greater buying power today. Contact me to learn more!

[Brian Willingham @bwillingham8]

Treat yourself to the home of your dreams without the nightmare of high rates. Give me a call to learn about refinancing.

[Brian Willingham @bwillingham8]

I'm getting a lot of questions lately from homeowners looking to tap into their equity without touching their low rate mortgage from a few years back. If you are looking at a HELOC or fixed rate 2nd mortgage. Call me if you have questions or for more info! HELOCs vs. Fixed-Rate Second Loans: Which Is Right for You? https://t.co/ugX8uyPX7B via @bwillingham8

[Brian Willingham @bwillingham8]

Housing Starts declined in January for both single-family and multi-family homes, but this pullback came after strong figures in December. Meanwhile, Building Permits, an indicator of future construction, rose slightly. #homebuyers #homebuilder... https://t.co/SACbTZfw5o

[Brian Willingham @bwillingham8]

Signed contracts on new homes rose 3.6% from November to December, with the 698K-unit pace well above estimates and the highest level since September. Sales were also up 6.7% YoY. #homebuyers #homesales #realestate #newhomes #mbshighway #mbssocialshare #mortgagemarketnews #mortgageintheknow

[Brian Willingham @bwillingham8]

No one knows what will happen to rates or home values. At the end of the day, my advice is that the best time to buy is when you are financially and emotionally ready to buy. Trying to be a "market timer" is a bad strategy in investing and it's a bad strategy in real estate too.

[Brian Willingham @bwillingham8]

A common thing I hear these days is "I want to buy but I'm going to wait for interest rates to drop first." That sounds like a good idea on the surface but I think it's important to consider possible outcomes before making that decision. Here are some scenarios:
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[Brian Willingham @bwillingham8]

Finally, if you bought now and rates go down, then you can refinance to the lower rate! This is almost the ideal situation since you would be building equity sooner, getting the house at a lower price most likely and still end up with the lower rate!