Mike Zysek - Loan Officer

Mike Zysek - Loan Officer Evergreen Home Loans
LO NMLS #1423311
Evergreen Moneysource Mortgage Company NMLS #3182
FL LO78055
Equal Housing Lender

Hate to break it to you, but I'm sticking with these.
09/25/2026

Hate to break it to you, but I'm sticking with these.

The national housing market doesn't live on your street.Prices, inventory, competition, and buyer activity can look very...
09/24/2026

The national housing market doesn't live on your street.

Prices, inventory, competition, and buyer activity can look very different from one area to the next, which is why local context matters so much. I look at what's actually happening where you are before talking through any next move, because your options should be based on your market, your goals, and your numbers. Send me your area and what you're considering, and I'll help put the headlines into perspective.

Fall has a way of making home feel a little more important. Cooler evenings, weekends spent closer to home, and the holi...
09/22/2026

Fall has a way of making home feel a little more important. Cooler evenings, weekends spent closer to home, and the holidays creeping onto the calendar can bring your wish list into sharper focus. Send me the neighborhood, price range, or type of home you've been thinking about, and I'll help you figure out what a move this season could look like.

Homeloanswithmoneymike

New construction deserves a second look right now.For buyers, builder incentives can create opportunities around things ...
09/21/2026

New construction deserves a second look right now.

For buyers, builder incentives can create opportunities around things like closing costs, upgrades, or financing depending on the project and offer. And for our builder and construction partners, BuildersEdge is designed to support the lending side of new construction with tools and financing solutions built around the way you work.

If you're buying new or building homes, I'm happy to help you figure out which opportunities make sense from your side of the table.

A buydown is a way to reduce the interest rate on a mortgage for a period of time, usually by paying an upfront cost at ...
09/16/2026

A buydown is a way to reduce the interest rate on a mortgage for a period of time, usually by paying an upfront cost at closing. That cost can sometimes be paid by the buyer, seller, builder, or another eligible party, depending on the loan and transaction.

Buydowns can help lower the monthly payment early in the loan, but the right structure depends on the financing, the property, and your overall plan. If you want to see whether one could make sense for your situation, send me a message and we can talk through the options.

Mortgage rates are basically a group project.Inflation, jobs data, economic expectations, Treasury yields, and activity ...
09/14/2026

Mortgage rates are basically a group project.

Inflation, jobs data, economic expectations, Treasury yields, and activity in the bond market can all influence where rates move. That is why one headline or one Fed decision rarely tells the whole story. If you're trying to make sense of what's happening and how it connects to your own plans, send me a message and I'll help you put the pieces together.

Twenty-five years later, September 11 still carries a weight that time has not erased. Today, I'm thinking of the lives ...
09/11/2026

Twenty-five years later, September 11 still carries a weight that time has not erased. Today, I'm thinking of the lives lost, the families who continue to carry that loss, and the first responders and everyday people whose courage defined that day.

Our world has changed tremendously since 2001, and the compassion, service, and sense of community shown in the days that followed still deserve a place in how we show up for one another today.

'sRoll

The starter-home math is getting a little more interesting.Redfin estimates that the typical U.S. household now earns ab...
09/09/2026

The starter-home math is getting a little more interesting.

Redfin estimates that the typical U.S. household now earns about $17,000 more than the income needed to afford a median-priced starter home, compared with a gap of roughly $12,500 a year ago. Their analysis assumes a 15% down payment and housing costs at or below 30% of income, so your own numbers and local market will tell the real story. If a starter home is on your radar, send me a message and I'll help you see what the numbers could look like for you.

09/09/2026

Buying your first home can feel overwhelming, but that's why I'm here. My job is to break it down, answer the hard questions, and keep you steady when things feel big. The right guidance turns stress into strategy. If you're on the fence, don't back out before you understand your options. Let's walk through it together.

The inbox can survive without you today. Take the day to slow down, recharge, and enjoy the long weekend knowing I'm kee...
09/07/2026

The inbox can survive without you today.

Take the day to slow down, recharge, and enjoy the long weekend knowing I'm keeping an eye on the details behind the scenes. If you're already in the middle of a move, I've got you covered while you take a well-earned breather.

Address

Ocala, FL
34474

Telephone

+13524481788

Website

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