Blog - The Lending Coach

UAD 3.6 Is Coming: What Real Estate Agents Should Start Putting in MLS Listings Now

September 29, 2026 / Tom Bonetto / 0 Comments

There is a significant change coming to residential appraisals, and real estate agents should be preparing for it now.

Fannie Mae and Freddie Mac are transitioning to Uniform Appraisal Dataset (UAD) 3.6, along with a redesigned Uniform Residential Appraisal Report.

Beginning November 2, 2026, all new appraisal reports submitted to the Uniform Collateral Data Portal (UCDP) must use UAD 3.6.

Importantly, lenders are already permitted to use UAD 3.6, and Fannie Mae has said agents and appraisers should expect lenders to increasingly request the new format as the mandate approaches.

So, while November 2 is the official deadline, this is something Realtors should start preparing for now.

Why UAD 3.6 Matters to Real Estate Agents

UAD 3.6 isn’t simply a new-looking appraisal form. Fannie Mae and Freddie Mac have redesigned how property and market information is collected and reported. The new system uses a larger, more structured dataset and a dynamic appraisal report rather than relying as heavily on free-form commentary.

In practical terms, appraisers need more precise information about properties and transactions.

That makes the quality of information entered into MLS increasingly important—not only for the home you’re selling today, but also when that property becomes a comparable sale for another appraisal months or years from now.

The days of relying on descriptions such as “beautifully updated throughout” are becoming less useful from an appraisal standpoint. Facts, dates and documentation are much more valuable.

1. Be Specific About Renovations and Updates

Instead of simply stating that a property has been remodeled, document what was done and approximately when it was completed.

For example:

Less useful:
“Beautifully updated kitchen.”

When possible, provide approximate ages or replacement dates for major components such as the roof, HVAC system, electrical, plumbing, windows, flooring and other significant improvements.

Much more useful:
“Kitchen fully remodeled in 2022 with new cabinets, quartz countertops, appliances and flooring.”

The objective isn’t to make the MLS description sound technical. It’s to create a reliable record of the property’s condition and improvements that an appraiser can understand and potentially verify.

2. Provide Better Information About the Home’s Layout

UAD 3.6 places greater emphasis on detailed property characteristics, so agents should become accustomed to documenting the home’s layout more precisely.

Include bedrooms, full and half bathrooms, and finished versus unfinished areas by level whenever possible.

Also identify ADUs, additions, converted garages, finished basements and other converted spaces. If a space was originally built for one purpose and is now being used for another, that information can be helpful. If you know whether the work was permitted, document that as well.

Fannie Mae has also published specific UAD 3.6 guidance regarding ANSI reporting and area breakdowns, reflecting the greater level of structure in the new appraisal reporting process.

3. Document Features That May Not Be Obvious

Think beyond bedrooms, bathrooms and square footage.

Does the property have a detached garage, workshop, pool, spa, deck, outdoor kitchen or other significant amenity? Is there an ADU or guest quarters with a separate entrance, kitchen, bathroom or utilities?

Solar deserves particular attention. If a solar system is present, indicate whether it is owned, financed, leased or subject to another agreement whenever that information is known.

These details can help an appraiser understand how a property differs from competing homes.

4. Seller Concessions and Financing Matter

The final sales price doesn’t always tell the entire story.

If the seller provided concessions, document the total amount and purpose whenever possible. For example, was the money used for closing costs, a temporary or permanent interest-rate buydown, repairs, HOA expenses or something else?

Financing information can also provide useful context, including whether the transaction involved conventional, FHA, VA or other financing.

gold and silver coins scattered near gold coin bank

Why does this matter?

Consider two homes that both sell for $500,000. One sells without concessions, while the other includes a substantial seller credit toward the buyer’s financing costs. Those transactions may provide different information to an appraiser analyzing the market.

5. Preserve the Story of the Sale

Agents should also think about documenting how the market responded to the listing.

Useful information can include the original list price, final list price, days on market, significant price changes and whether the property received multiple offers.

If there were unusual circumstances surrounding the transaction—such as an estate sale, relocation, non-arm’s-length transaction or significant personal property included with the sale—those details may also provide important context.

The objective isn’t to influence the appraiser’s conclusion. It’s to give the appraiser accurate information about what actually happened.

6. For Current Listings, Keep the Documentation

When you have a property under contract, consider keeping an appraisal-ready package containing the complete purchase contract and addenda, documentation of seller concessions, builder upgrade or option sheets, solar agreements, and plans or permits for significant construction, additions or conversions.

The appraiser may not need everything you’ve collected. But having it available can be much easier than trying to reconstruct the history of the property later.

And that brings us to what may be the most important reason Realtors should pay attention to UAD 3.6.

Today’s Listing Becomes Tomorrow’s Comparable Sale

Once your transaction closes, your MLS listing doesn’t stop being important.

That property may be used as a comparable sale in appraisals throughout the neighborhood for years.

Imagine an appraiser using your listing 18 months from now. The MLS says only “gorgeous remodeled home!” The appraiser may have no idea what was remodeled, when it was completed, whether the HVAC was replaced, whether a converted area was permitted, or whether the transaction included substantial concessions.

Someone may have to track down the listing agent to find out.

Now imagine that the original listing already contains specific renovation dates, property characteristics, transaction information and detailed remarks. The historical record becomes much more useful.

Better MLS information today can mean fewer verification calls later—and potentially fewer appraisal questions, delays and revision requests on future transactions.

This Is a Good Habit to Start Now

The November 2 mandate applies to new appraisal reports submitted to UCDP, but the transition is already underway. UAD 3.6 has been available for broad production since January 26, 2026, and Fannie Mae and Freddie Mac are encouraging the mortgage industry to transition before the deadline.

So there is little reason for real estate agents to wait.

Start creating listings with the future appraiser in mind. Be specific about improvements. Document dates. Describe the layout accurately. Record concessions and financing details. Preserve information about how the market responded to the property.

Great marketing still matters. Beautiful photographs and compelling descriptions still help sell homes.

But under the new appraisal environment, good data matters, too. Here are the specific links that Fannie and Freddie provide:

Fannie Mae UAD 3.6 resources

Freddie Mac UAD 3.6 resources

Conclusion

The agents who build better information into their listings today aren’t just helping the current transaction. They’re creating a better historical record for every transaction in which that property may eventually be used as a comparable sale.

Reach out to me directly—I’d be happy to go over the specifics to help you succeed.

As always, you can set up an appointment with me here…

The blog postings on this site represent the positions, strategies or opinions of the author and do not necessarily represent the positions, strategies or opinions of Starlight Mortgage. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

HELOC for Primary Residences and Investment Properties Through The Lending Coach

September 14, 2026 / Tom Bonetto

Times are tough right now, and if you’re feeling the financial pressure, you are not alone.

For many homeowners, home equity is their number one source of wealth…but many haven’t tapped into it yet. My new HELOC offering through Aven provides relief by allowing you access to your home equity quickly and easily.

This HELOC is unique in that the application takes 5 minutes to complete online, does not run hard credit, can be closed in as little as 5 business days, can be a fixed rate or variable, and they can even be used for investment properties vesting in an LLC.

In most cases, an appraisal isn’t needed and income is verified online, even for self-employed borrowers, so it can be done very quickly!

This isn’t a one size fits all HELOC, so it might not move so quickly depending on your circumstance. I’ve had clients close in as little as 5 days, and as long as one month. However, the average time from application to close is around 10 days, assuming initial approval.

So, if you want to keep your current low mortgage rate, here’s a way to inexpensively access your equity!

The Statistics

Believe it or not, U.S. homeowners are sitting on record amounts of equity. Cotality’s latest Home Equity Insight Report shows that borrowers with a mortgage have an average of $310,000 in housing wealth per homeowner. That’s over $11.5 trillion available in the US overall!

“Homeowners have accumulated enormous amounts of equity, but most of it isn’t doing much,” said Thom Malone, principal economist at Cotality. “The borrowers with the most housing wealth are often the least likely to tap it. They tend to have low mortgage rates, strong cash flow, and little reason to move.”

“That means much of the country’s record home equity remains on the sidelines, while the same homeowners continue to benefit from the lower monthly payments that helped create it in the first place.”

The Aven HELOC

Homeowners can now receive a pre-qualification offer in as little as three minutes and funding in as few as five days, compared with the 30 to 45 days typical of a traditional HELOC.

Aven’s income verification procedure replaces many manual and in-person processes that can slow down home equity lending.

At application, only a soft credit inquiry is done, so your credit will not be impacted by completing an application, so there’s no reason not to give it a try!

Secondly, Aven’s product combines a revolving HELOC with optional fixed-rate payment plans called Aven Simple Loans, giving homeowners flexibility in how they borrow and repay.

Some of the features that make this product stand out include:

A Visa card connected directly to your home equity line
Reuse your available credit as you pay down your balance
Make purchases, request cash advances, or complete balance transfers
No annual fee
No repeat draw or balance transfer fees after your initial draw
Choose between a variable-rate revolving balance or fixed-rate payment options
The ability to lock eligible balances into a fixed-rate loan after the draw period
Financing available for qualified owner-occupied homes with combined loan-to-value ratios up to 89%
Debt-to-income ratios up to 55% for eligible borrowers
Flexible qualification for salaried employees, self-employed borrowers, retirees, and many homes held in trust

Every borrower is different, and qualification depends on credit, income, equity, and other underwriting requirements.

You can apply for the Aven HELOC here…

Self Employed Borrowers

Self-employed applicants can now verify business ownership directly inside the application.

The borrower connects their business bank account, and roughly half of self-employed applicants are verified automatically with no documentation required for the verification of ownership.

Applicants who cannot be verified through the connection simply upload a supporting document instead.

Also, income can be calculated directly from your bank account records, though the secured Plaid technology application. So, there’s no need to provide bank statements.

A connected Plaid bank account is now verified by either an address match to the subject property or a name match to an applicant.

Because of the address match, income belonging to a household member who is not on the application can be counted when that person’s bank account address matches the subject property.

Also, Aven now confirms business ownership automatically on a large share of self-employed applications, which takes a document request off your list.

When automation cannot confirm ownership, the borrower uploads a Schedule K-1 or an operating agreement. Those documents establish ownership only. They are not used in the income calculation.

Investment Properties and 2^nd Homes

One feature that truly sets this program apart is that it isn’t limited to your primary residence.

Qualified borrowers may also use this HELOC with investment properties and 2^nd homes — something that’s surprisingly difficult to find in today’s lending market.

While many home equity products are restricted to owner-occupied homes, very few lenders offer flexible HELOC solutions for rental properties and vacation homes.

Also, an Aven HELOC is now able to be vested in an LLC!

For real estate investors and homeowners with multiple properties, this can provide access to equity without having to refinance an existing low-interest first mortgage or sell an appreciating asset.

It’s another way to put the equity you’ve worked hard to build to work for you.

Let’s Talk

Whether you’re looking to access equity in your primary residence, a vacation home, or even an investment property, today’s HELOC options offer more flexibility than many homeowners realize.

As The Lending Coach, my goal isn’t simply to help you obtain a loan. It’s to help you determine whether borrowing against your home’s equity is the right financial move—and if it is, which option best fits your long-term goals.

Sometimes the best financial decision isn’t borrowing more. Sometimes it’s simply knowing your options.

Reach out to me directly—I’d love to talk strategy and explore how we can best take advantage of a HELOC to help you succeed.

If you’d like to apply now for an Aven HELOC, you can do so here…

As always, you can set up an appointment with me here…

Should I Wait for Mortgage Rates to Drop Before Buying a Home? – Navigating Home Buying in a Mid-6% Interest Rate Market

August 24, 2026 / Tom Bonetto

There’s a lot of energy right now in the media and the real estate world around one question: How do you navigate buying and selling homes (primary residences, second homes, or investment properties) when interest rates are in the mid-6s?

The most common version of that question is: “Should I wait for rates to come down?” The underlying assumption seems plain — lower rates mean lower cost on the loan…but it’s truly not that simple.

I’ve covered this topic before in podcasts and blog posts, but the conversation keeps coming up, so I want to dig into it with a real-world example and some clear numbers.

A Quick but Important Disclaimer

The interest rates I use below are samples only. I am not advertising them, not suggesting they are available today, and not inviting anyone to call me expecting these exact rates. They are simply tools to illustrate how to evaluate the decision of waiting versus buying now.

I’m also using a conventional conforming 30-year fixed loan (Fannie or Freddie) with an 80% loan-to-value ratio, so there is no mortgage insurance in the example. The principles hold either way.

Why the Interest Rate Alone Is Not the Full Story

Most people focus almost exclusively on the rate. That’s understandable, but incomplete.

When I evaluate the true cost of a loan, one of the most important numbers I look at is the principal balance remaining at years 5, 7, and 10 (sometimes year 3 depending on the situation).

Why? Because it is near a statistical certainty that the average loan in the United States is retired—through sale or refinance—somewhere between years 7 and 10. Very few people take a 30-year mortgage all the way to term.

During those early years, the vast majority of each payment is interest. Lenders know this. Most of the public does not.

If we accept that the loan will likely be refinanced or paid off in that window, then the remaining principal balance becomes a critical part of the overall cost equation.

The question is not simply “What is my payment for the next few years?” It is “How do I own this home in the shortest effective duration possible?”

A Concrete Example

Let’s assume a $500,000 home with 20% down—a $400,000 loan.

Buy today at a sample rate of 6.75%. Five years later, the remaining principal balance is approximately $375,503.

Now suppose your gut tells you rates will drop by half a percentage point within a year to 6.25%. You wait.

In that year, the home appreciates 3% (I’ll address appreciation in a moment), so the new purchase price requires a loan of about $412,000.

Buy one year from now at 6.25%. Five years after that purchase (six years from today), the remaining principal balance is approximately $384,549.

From a principal-balance perspective alone, you would have been better off buying today at the higher rate.

What About Home Appreciation?

Across the country, the best current estimates for national average home-price appreciation this year land somewhere in the 1.5%–3% range. Prices have been relatively stable and continue to rise in many markets.

Are there neighborhoods where values are flat or declining? Absolutely—especially certain pockets inside large metropolitan areas. That is why you need a strong real estate agent who can speak in numbers, not just anecdotes. Ask them:

What has this specific property or neighborhood done historically?
What do the data suggest for the next 12 months?

Historically, year-over-year depreciation is rare, but it can happen. Even if you believe values will decline, a competent lender can run the same model with a negative appreciation assumption so you can see the math clearly.

Other Costs That Often Matter More Than the Rate

Waiting for rates also means giving up the negotiating environment we have today. Inventories have improved. The market is slower. Sellers are more willing to offer concessions. Competitive bidding is far less intense than it was a few years ago.

Here’s a practical tip many buyers overlook:

If a seller offers, say, $10,000 in concessions, in many cases, the smarter move is not to use that money to buy down the rate. Instead, have the seller cover a large portion of your closing costs, take a slightly higher rate from the lender (which generates a lender credit), and then use the net cash advantage to increase your down payment or shorten the term while keeping the payment roughly the same.

If you still believe rates will fall later, this approach can leave you in a stronger position to refinance. The decision is nuanced. A blanket “I’m waiting for rates to drop” is, in many (if not most) cases, a costly gut-level choice rather than an analytical one.

happy couple holding and showing a house key

What You Should Do Next

Mortgage and real-estate decisions are subtle. They require a team that can run the numbers.

Work with a real estate agent who can discuss both experience and data on current values, historical performance, and reasonable expectations for the next year.
Work with a lender who can build simple but solid models that incorporate rate scenarios, appreciation (or depreciation), remaining principal balances, closing-cost credits, and term options.

If your lender cannot or will not do that kind of math, find one who will. In a higher-rate environment, the analytical work becomes more important, not less.

When rates were 2.75%, the risk profile was different. Rates in the mid-6s still demand clear-eyed analysis alongside gut feel.

Let’s Talk

I hope this discussion helps you think more clearly about the true cost of waiting.

If you’re trying to figure out whether a particular house or refinance makes sense in this market, do contact me. I’m happy to run the numbers, walk through the trade-offs, and help you see the full picture.

Reach out to me directly—I’d love to talk strategy and explore how we can best take advantage of market conditions to help you succeed.

As always, you can set up an appointment with me here…

Your Assets Can Now Help You Qualify for a Mortgage

August 17, 2026 / Tom Bonetto

close up shot of scrabble tiles on a white surface

When you apply for a mortgage, most people naturally think about their paycheck. How much do I earn? What does my tax return show? How much income can the lender use? But what if your income doesn’t tell the whole story about your financial strength?

A new Freddie Mac guideline change creates an important opportunity for borrowers who have substantial savings, investment accounts or other eligible assets.

In certain situations, those assets can now be converted into qualifying income for a mortgage. In other words, the lender may be able to look at not only what you earn, but also what you’ve accumulated.

Turning Assets Into Qualifying Income

The concept is often called “asset depletion” or “asset-based income.” The idea is relatively simple: instead of requiring you to actually withdraw money from your investment accounts every month, the lender calculates a monthly income amount based on a portion of your eligible assets.

For example, suppose you have $1,000,000 in eligible assets. Under the revised Freddie Mac calculation, a simplified example would divide that amount by 180 months, producing approximately $5,556 per month of qualifying income.

You aren’t necessarily required to spend $5,556 each month. The calculation simply allows a portion of your assets to be recognized as income for mortgage qualification.

The New Calculation Can Make a Big Difference

This is where the change becomes particularly interesting.

Freddie Mac previously used a 240-month calculation for this type of asset qualification. The new 180-month calculation means the same amount of assets can produce roughly 33% more qualifying income. For example, $1 million of qualifying assets would have produced about $4,167 per month under a 240-month calculation.

Under the new 180-month calculation, that becomes approximately $5,556 per month. That’s an additional $1,389 per month of qualifying income without the borrower having to earn another dollar from employment.

You Can Combine Assets With Other Income

Perhaps the biggest benefit is that asset-based income doesn’t necessarily have to stand alone. It can potentially be combined with other qualifying income sources.

Imagine a borrower earning $5,000 per month from employment who also has $1,000,000 in eligible assets. If the assets generate approximately $5,556 per month under the applicable calculation, the borrower could potentially have more than $10,500 per month in qualifying income before considering other applicable income sources and underwriting requirements.

a hand holding a magnifying glass near wooden table

This can make a meaningful difference for someone whose traditional income alone isn’t enough to qualify for the home they want.

Investors Have a New Opportunity, Too

The change is particularly noteworthy for real estate investors.

The revised Freddie Mac guidelines expand the use of accumulated assets as income to investment property transactions, creating a conventional financing opportunity that wasn’t previously available under this particular asset-based approach.

That’s significant for an investor who has substantial assets but whose traditional income doesn’t support the additional mortgage debt they want to take on.

Here’s an Example for an Investment Property

Let’s say an investor wants to purchase a $600,000 rental property and has $1.5 million in eligible investment assets.

After accounting for the funds required for the purchase and other applicable requirements, suppose $1,200,000 remains available for the asset-income calculation. Dividing $1.2 million by 180 produces approximately $6,667 per month in qualifying income.

That income could potentially be combined with the borrower’s employment income and eligible rental income to help qualify for the mortgage.

The exact maximum loan-to-value, reserve requirements and qualifying income will depend on the transaction and the automated underwriting results, but the important point is that investment property borrowers now have another conventional option to explore

This Could Be Especially Valuable for Retirees and High-Net-Worth Borrowers

Consider someone who has spent decades building a retirement portfolio but doesn’t have a large traditional monthly income.

Maybe they receive Social Security, a pension or investment income, but their taxable monthly income doesn’t accurately reflect their financial resources. A borrower could potentially have hundreds of thousands—or even millions—of dollars in retirement and investment assets while appearing to have relatively modest monthly income.

Asset-based qualification provides another way to look at that financial picture. Of course, not every asset qualifies, and there are specific documentation, accessibility and underwriting requirements, so the actual calculation must be reviewed on a case-by-case basis.

Conventional Financing Isn’t Always the Only Answer

It’s also important not to assume that Freddie Mac’s new approach will automatically be the best option for every borrower.

There are Non-QM and other specialized mortgage programs that have offered asset-based qualification for years, and some may use shorter asset-depletion periods that produce substantially more qualifying income. The tradeoff can be higher rates, different down-payment requirements or other program restrictions.

The right question isn’t simply, “How much can I qualify for?” It’s “Which financing strategy makes the most sense for my overall financial goals?” That’s where comparing multiple options becomes important.

Your Balance Sheet Could Be More Powerful Than You Think

The biggest takeaway is simple: your mortgage qualification isn’t necessarily limited to your paycheck.

If you’ve accumulated significant savings and investments, those assets may be able to help you qualify for a mortgage—even when your traditional income doesn’t tell the entire story. And because the revised Freddie Mac rules can be used in conjunction with other qualifying income and can now extend to investment properties, this creates another tool for homebuyers, retirees and real estate investors.

If you have substantial assets but have been concerned that your income may not be high enough to qualify, it’s worth having a mortgage professional look at the entire picture before assuming you can’t qualify.

Reach out to me directly—I’d love to talk strategy and explore how we can utilize these new regulations to help you succeed.

As always, you can set up an appointment with me here…

Condo Warrantability: What Every Listing Agent Needs to Know About the New Fannie Mae & Freddie Mac Rules

August 10, 2026 / Tom Bonetto

Selling a condominium is different from selling a single-family home.

While buyers often focus on interest rates, down payments, and qualifying for a mortgage, there’s another important factor that can determine whether a sale closes successfully: the condominium project itself.

Before many buyers can obtain conventional financing, the condo community must meet the project eligibility requirements established by Fannie Mae or Freddie Mac.

If it doesn’t, financing options can become limited, making it more difficult to attract qualified buyers.

What Is a Warrantable Condo?

A “warrantable” condominium is simply a condo project that meets the lending guidelines established by Fannie Mae and Freddie Mac.

These guidelines evaluate the overall financial health and physical condition of the homeowners association—not just the individual unit being sold. Lenders review items such as the association’s budget, reserve funding, insurance coverage, deferred maintenance, pending litigation, and other project characteristics.

When a project satisfies these requirements, buyers typically have access to more financing options, lower interest rates, and smaller down payment requirements.

Why Listing Agents Should Care

Many listing agents don’t discover a condominium has financing issues until after the home is under contract. At that point, the lender begins reviewing the project and identifies concerns that may prevent the loan from being approved.

This can lead to financing delays, contract cancellations, or buyers having to switch to more expensive loan programs. Understanding a condo’s warrantability before placing the property on the market allows listing agents to identify potential concerns early, communicate accurately with buyers, and avoid costly surprises during escrow.

Why Fannie Mae and Freddie Mac Are Tightening the Rules

The recent changes announced by Fannie Mae and Freddie Mac are designed to strengthen the financial health of condominium associations across the country.

Following several high-profile building failures and increasing concerns about deferred maintenance, the agencies are placing greater emphasis on adequate reserve funding, proper maintenance planning, and long-term financial sustainability.

Their objective is to reduce the likelihood of expensive special assessments while helping preserve both property values and affordable homeownership.

The Biggest Change: More Comprehensive Project Reviews

Beginning with new loan applications on or after August 3, 2026, Fannie Mae and Freddie Mac are retiring the Limited (or Streamlined) Review process for most condominium projects.

Going forward, many larger projects that previously qualified for a simplified review will now undergo a more thorough analysis of the association’s budget during underwriting. In practical terms, lenders will be taking a much closer look at the financial health of condominium associations before approving conventional financing.

Reserve Funding Requirements Are Increasing

Another significant change involves replacement reserves. Beginning January 4, 2027, condominium associations will generally be expected to allocate at least 15% of their annual assessment income toward replacement reserves, an increase from the long-standing 10% requirement.

Associations that rely on reserve studies instead of the percentage calculation must now fund reserves at the highest recommended level identified in the reserve study, rather than a lower baseline recommendation.

These changes encourage proactive maintenance and help reduce the risk of costly repairs or special assessments in the future.

Additional Updates Worth Knowing

Several other updates are intended to improve the lending process while maintaining strong underwriting standards.

Smaller condominium projects—up to ten units—may now qualify for review waivers in certain situations, investor concentration limits have been removed for many established projects, and insurance requirements have been updated to better reflect today’s insurance market.

These changes provide additional flexibility while continuing to protect both lenders and homeowners.

The Bottom Line for Real Estate Agents

Condominium warrantability is no longer something that only lenders need to understand. It has become an important part of properly marketing and selling condominium properties.

By identifying potential warrantability concerns before a home is listed, seller’s agents can help reduce financing delays, avoid canceled contracts, and provide better guidance to both sellers and buyers.

If you’re preparing to list a condominium and would like to discuss whether the project may qualify for conventional financing, I’d be happy to review the project with you before your listing goes live.

A little preparation upfront can make the entire transaction smoother for everyone involved.

Reach out to me directly—I’d be happy to go through these changes in greater detail with you.

As always, you can set up an appointment with me here…

The Lending Coach

UAD 3.6 Is Coming: What Real Estate Agents Should Start Putting in MLS Listings Now

Why UAD 3.6 Matters to Real Estate Agents

Today’s Listing Becomes Tomorrow’s Comparable Sale

This Is a Good Habit to Start Now

Conclusion

HELOC for Primary Residences and Investment Properties Through The Lending Coach

The Statistics

The Aven HELOC

You can apply for the Aven HELOC here…

Self Employed Borrowers

Investment Properties and 2nd Homes

Let’s Talk

Should I Wait for Mortgage Rates to Drop Before Buying a Home? – Navigating Home Buying in a Mid-6% Interest Rate Market

A Quick but Important Disclaimer

Why the Interest Rate Alone Is Not the Full Story

A Concrete Example

What About Home Appreciation?

Other Costs That Often Matter More Than the Rate

What You Should Do Next

Let’s Talk

Your Assets Can Now Help You Qualify for a Mortgage

The New Calculation Can Make a Big Difference

You Can Combine Assets With Other Income

Investors Have a New Opportunity, Too

Here’s an Example for an Investment Property

This Could Be Especially Valuable for Retirees and High-Net-Worth Borrowers

Conventional Financing Isn’t Always the Only Answer

Your Balance Sheet Could Be More Powerful Than You Think

Condo Warrantability: What Every Listing Agent Needs to Know About the New Fannie Mae & Freddie Mac Rules

What Is a Warrantable Condo?

Why Listing Agents Should Care

Why Fannie Mae and Freddie Mac Are Tightening the Rules

The Biggest Change: More Comprehensive Project Reviews

Reserve Funding Requirements Are Increasing

Additional Updates Worth Knowing

The Bottom Line for Real Estate Agents

Apply Now – Online Application

Schedule Appointment With Tom

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Contact Tom

About The Coach

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