Michael D Steller

Licensed Mortgage Broker of Xpert Home Lending, Inc.

[Michael D Steller @mdsteller]

@Melgibsonact Yes

[Michael D Steller @mdsteller]

@JulieBanderas Julie you are actually good! And your daughter is exceptional. All your kids are!

[Michael D Steller @mdsteller]

@Excellentsalvic 5

[Michael D Steller @mdsteller]

@elonupdate657 C

[Michael D Steller @mdsteller]

@MelGibso1 75

[Michael D Steller @mdsteller]

@lippyent 8 half oranges means 4 whole oranges

[Michael D Steller @mdsteller]

@chicksonright Here’s my Finnegan!

[Michael D Steller @mdsteller]

@Airaasayss 5

[Michael D Steller @mdsteller]

🌸 Happy Mother’s Day 2026 🌸
Today we celebrate the incredible mothers, grandmothers, stepmothers, foster mothers, and mother figures whose love, strength, sacrifice, and encouragement help shape our families and communities every single day.

[Michael D Steller @mdsteller]

@ChristIsComing5 Amen

[Michael D Steller @mdsteller]

@Excellentsalvic Yes

[Michael D Steller @mdsteller]

@TheresaArueyin1 Yes

[Michael D Steller @mdsteller]

@Excellentsalvic AMEN

[Michael D Steller @mdsteller]

A lot of people think they need a 700 credit score to buy a home… That’s just not true. There are solid loan options out there for buyers with lower scores—it just comes down to how the deal is structured and what program fits best.

[Michael D Steller @mdsteller]

One of the biggest myths out there…

You don’t need 20% down to buy a home.

There are a lot more options available than most people realize—it just comes down to understanding what fits your situation.

The key is having the right strategy before you start looking.

[Michael D Steller @mdsteller]

@chicksonright Finnegan now at 91 lbs and loving the Chicks

[Michael D Steller @mdsteller]

What's going on and why does it matter?

Market Commentary – March 27 , 2026

Mortgage rates saw slight upward pressure this week as bond markets softened and the 10-year Treasury remained elevated, continuing to influence mortgage pricing.

[Michael D Steller @mdsteller]

Buying a home isn’t one-size-fits-all.
From FHA to VA to conventional, the right loan should fit your situation—not the other way around.
That’s where working with a broker makes a difference. More options, better structure, and a plan that actually makes sense for you.

[Michael D Steller @mdsteller]

🍀 Happy St. Patrick’s Day! 🍀
Wishing you a day filled with luck, positivity, and a little extra green in all the right places.
Grateful for the relationships, trust, and opportunities to serve our amazing clients and partners each and every day.
— Steller Lending Team