Mike Ward at Rate NMLS 187332

Mike Ward at Rate NMLS 187332 I am a SVP, Regional Manager NMLS 187332 at Rate NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org 3940 N. in New York. Equal Housing Lender

Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. State License Numbers: AZ - 1014715, CT - LO-187332 - ML-1598647 , FL - LO62743, IL - 031.0041478 - MB.6761236

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in spe...
09/18/2026

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in specific markets still show an increase with stronger buying power created by job gains and income growth.

Understanding the market is the first step. Let’s talk about how to make your next move with confidence.
https://myoc.io/dmOeGxi7QvZ/RSZK8



NMLS # 187332

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW. Questions?...
09/17/2026

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW.

Questions? Let’s chat.
https://myoc.io/dmOeGxi7QvZ

NMLS # 187332

Today’s decision creates new opportunities … as long as you know how to approach the market. A rate increase isn’t neces...
09/17/2026

Today’s decision creates new opportunities … as long as you know how to approach the market. A rate increase isn’t necessarily a bad thing since it could lead to more inventory and less competition. With fewer homebuyers out there, motivated sellers may be more flexible at the offer table.

If you’ve been on the hunt for a new home, let’s talk about how you could use these conditions to your advantage.
https://myoc.io/dmOeGxi7QvZ/1F0I3



NMLS # 187332

09/16/2026

Home affordability is about more than just your income. By assessing your expenses, debt, savings and goals, I can help you set a realistic budget that actually works for you.

Ready to see how much home you can afford?
https://myoc.io/dmOeGxi7QvZ/KtzN9



NMLS # 187332

09/15/2026

Your rental income can qualify you for a loan on its own, no tax returns required. A DSCR loan is built for real estate investors who want financing based on what their property earns. Down payment options start at 20%, with loans up to $3M and the option to close under an LLC.

Ready to see what your property could qualify for? Let's talk.
https://myoc.io/dmOeGxi7QvZ/yYhsQ

NMLS # 187332

If you’re looking to buy a house, the market is shifting in your favor. Decreased existing-home sales means more invento...
09/10/2026

If you’re looking to buy a house, the market is shifting in your favor. Decreased existing-home sales means more inventory, which creates homebuyers have better opportunities to negotiate.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/dmOeGxi7QvZ/qQMcT



NMLS # 187332

09/09/2026

When planning to enter the housing market, prioritize your personal situation, not a calendar. While spring is a popular time to shop for homes, you may be overlooking some major advantages that fall brings.

Let’s discuss a plan that makes sense for you based on your unique situation.
https://myoc.io/dmOeGxi7QvZ/0b4X0



NMLS # 187332

09/08/2026

With Forward Commitments and DSCR, you can lock in pricing for your investor buyers and let their rental income do the qualifying. It's a faster path from contract to close, and a real edge over builders who can't offer it.

Ready to protect your pipeline? Let's connect.
https://myoc.io/dmOeGxi7QvZ/7CVHR



NMLS # 187332

09/07/2026

The small moments at home are often the ones we remember for a lifetime. However you’re enjoying Labor Day, I hope it’s filled with loved ones, laughter and great food.

How’re you celebrating today?
https://myoc.io/dmOeGxi7QvZ



NMLS # 187332

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/dmOeGxi7QvZ/MO88y



NMLS # 187332

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Chicago, IL

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