Abair Team Mortgage Pros

07/28/2026

Rates are rising. Appraised values in many markets are softening.
If you own a $1M+ home, the window to pull equity on strong terms is narrowing.
Cash-out now can:
• Lock in today’s rates before they climb further
• Consolidate high-interest debt and free up monthly cash flow
• Build liquidity for future opportunities — before lower appraisals shrink what you can access
The overlooked factor? Your LTV cap.
Example: $1.2M home, $700K balance.
At an 80% LTV limit, a 10% drop in value still leaves solid cash available.
At a 70% LTV limit (common on jumbo loans), that same 10% drop can slash available cash by more than half.
The LTV limit your lender uses can matter as much as the change in home values itself.
Timing equity extraction is starting to feel like catching a falling knife.
Happy to run the numbers on your specific situation if useful.

07/14/2026

What Is the ELEVATE GRANT?
The ELEVATE GRANT is a down payment assistance program for renters, offered through Orion Lending, available on both FHA and Conventional financing.
Here's how it works: the grant funds 3.5% of your loan amount on FHA, or 3% on Conventional, applied directly toward your down payment. There's no repayment required — the grant is simply satisfied after 6 consecutive on-time payments.
To qualify, you'll need a minimum 640 FICO. First-time buyers are welcome but not required, and there's no second lien involved. Bottom line — if you've been renting and assumed a down payment was years away, it's worth finding out for sure.
Send me a message with where you're at, and I'll tell you exactly what the ELEVATE GRANT could look like for you.

07/14/2026

Rates improve a bit today after losing ground yesterday.

07/13/2026

Rates go higher today (22 bps worse) ahead of a busy week of economic news that likely will have little affect on the current trajectory rallied by headlines of continued conflict at the Strait of Hormuz that restricts energy and commerce and produces global inflationary pressures. If you are contracting soon to purchase a home - ask for seller-paid concessions and/or temporary, and/or permanent rate buy downs. Connect with me if you are an agent or buyer and want to better understand how to negotiate for these. Rates are likely now to worsen another 50 bps before they reach the next technical support level. The recommendation is to lock in your financing sooner than later.

07/10/2026

VA updates home loan appraisal requirements to help Veterans compete in today’s housing market - VA News

Updated home loan appraisal requirements reduce delays, cut outdated rules, and help Veteran homebuyers move faster in a competitive housing market.

07/10/2026

100% LTV home financing for medical community.

07/10/2026

Congrats, future docs! As you wrap up med school, residency, or internship and gear up for your first big role, TITAN MD is here to make buying a home easier than ever.
With TITAN MD, you can get up to $2M in financing with:
100% financing – No down payment required
No mortgage insurance (MI)
Minimum 680 FICO
What you’ll need:
Your contract/offer letter
Position/title
Start date (must be within 150 days of closing)
Compensation details that cover at least 12+ months
Eligible for MDs, DOs, CRNAs, DDSs, DVMs, and many more healthcare professionals.
Don’t let high home prices slow down your next chapter. Secure your future home with confidence and start building equity from day one of your attending career.
DM me or comment “TITAN” below for more details and to see if you qualify!
Let’s get you into that home you deserve. 🏡✨

06/21/2026

What Is a Lender-Paid 1-0 Buydown?
A 1-0 temporary buydown means your interest rate is reduced by 1% in Year 1, then steps to the permanent note rate in Year 2. The "lender-paid" part is the game-changer: the seller or lender funds the buydown account — you pay nothing extra at closing.
On your $400,000 home at a 5.99% note rate, that means your very first monthly payment is calculated at 4.99%. The difference is deposited into an escrow account at closing and drawn down each month to make up the gap. You get the benefit without the upfront cost.
A 2-1 temporary buydown means your interest rate is reduced by 2% in Year 1, then steps up to a 1% reduction in Year 2, then steps to the permanent note rate in Year 3.
A 3-2-1 temporary buydown means your interest rate is reduced by 3% in Year 1, 2% in Year 2, 1% in Year 3, then steps up to the permanent note rate in Year 4.
Temporary buydowns can make an enormous difference in housing costs for the first couple of years when funded by the seller or lender or combination.

Why would someone choose a temporary buydown versus a permanent buy down or simply negotiating a lower purchase price?
Bottom line - All the savings to the borrower are reaped at the beginning of the mortgage term instead of smaller monthly savings spread out over the full term of the loan. Temporary buydowns are the most financially beneficial option for any buyer who is likely to take advantage of a streamlined rate reduction refinance or sell their home in less than 5-7 years.

06/09/2026

Another Same Day Approval with The Abair Team Mortgage Pros! We are setup for Fast, Easy Closings.

06/02/2026

🚀 Veterans: Want to build serious wealth using your VA loan and OPM (Other People’s Money)?
Zero-down real estate isn’t just for your primary home — it can be the foundation of an entire portfolio. Here’s how smart military families and veterans are using their VA benefits to buy land, build custom homes, and scale into multiple properties.
1. How to Buy Land + Build a Custom Home with a VA Loan
There are two main ways to make this happen:
Method 1 (Most Flexible):
Buy the land with a land loan (usually 20% down), get a construction loan, build the home, then refinance everything into a VA loan once complete.
Method 2 (True Zero Down – One Transaction):
Use OTC (One-Time Close) VA Construction Financing. You identify the land, get your builder bids, and close on the land purchase + construction funding all at once with a VA loan. Zero down payment possible if the total cost (land + build + reserves) is under the future appraised value.
Method 2 is powerful but requires tight timing. Method 1 gives you more breathing room.

2. What Can You Do With Your VA Home After Just One Year?

Refinance with a VA IRRRL (if rates drop)
Sell it
Rent it out (long-term or short-term) while keeping the VA loan
Keep it as a 2nd home
Refinance to conventional to restore your VA entitlement and use it again

3. Yes, You Can Use Your VA Loan Multiple Times
Your VA entitlement can be restored when you sell or refinance out of the VA loan. Even better — many veterans can buy multiple VA homes at once without restoring entitlement, depending on county loan limits and remaining entitlement.
I’ve helped veterans finance up to $4M+ zero down and own 3–4 properties simultaneously using their VA benefit.

Best Strategy Most Veterans Should Consider:
Start with a duplex, triplex, or 4-plex (or a strong single-family home in a good area). Live in one unit, rent the others. In many cases, the rental income + BAH covers the full mortgage — meaning you’re building equity with little or no out-of-pocket money.
After a year (or when life changes — marriage, kids, PCS orders), buy your next home with VA, convert the first into a rental, and repeat.
Conforming loan limits keep rising, which means your remaining entitlement often grows too. This strategy lets you scale while using mostly OPM.

Real estate is one of the best wealth-building tools available to veterans — especially with the power of the VA loan.
If you’re active duty, a veteran, or a military spouse and want to explore what’s possible with your specific entitlement, I’m happy to run the numbers for you.
Drop a comment below or message me. Let’s talk about your goals — whether it’s land + custom build, multi-unit investing, or building a rental portfolio.
💬 What’s your biggest question about using VA loans for real estate investing?