Tony Falbo-Licensed Mortgage Professional

08/31/2026

The best things don’t happen overnight — they grow over time. A home is one of those things. While life happens day-to-day, something bigger is building in the background: stability, opportunity, and future potential. What you start today has a way of showing up for you later.
https://myoc.io/applyhere



NMLS # 1071550

08/28/2026

The housing market is giving buyers more options, but affordability is still keeping many on the sidelines.

New listings reached a four-month high, while pending sales weakened and mortgage rates finished the week at 6.81%. At the same time, home prices remain resilient—especially in the existing-home market.
https://myoc.io/applyhere



NMLS # 1071550

08/24/2026

Buy now, pay later services like Affirm, Klarna, and Afterpay will soon be factored into FICO credit scores. While they make it easy to split purchases into smaller payments, they can also affect your debt-to-income ratio and potentially delay or derail your mortgage approval.

If homeownership is your goal, let's discuss how these pay later services can impact the buying process!
https://myoc.io/applyhere



NMLS # 1071550

08/23/2026

5.0 star review received on Experience.com for Tony Falbo by Petra G K - The excellent communication between agent Tony and us.

Click to see all 22 reviews of Tony Falbo at Homeowners Financial Group USA, LLC, Licensed Mortgage Professional | NMLS #1071550

08/21/2026

The late-summer housing market is giving buyers more choices, but higher borrowing costs are still limiting demand. New listings are moving higher while pending sales have softened, and homes are taking roughly as long to sell as they did a year ago. For agents, that means pricing, negotiation strategy and payment conversations matter more than ever.
https://myoc.io/applyhere



NMLS # 1071550

08/18/2026

5.0 star review received on Experience.com for Tony Falbo by William L K - Even though it took a while the communication was good and in the end they closed a somewhat difficult deal!

Click to see all 21 reviews of Tony Falbo at Homeowners Financial Group USA, LLC, Licensed Mortgage Professional | NMLS #1071550

08/17/2026

Markets shift, rates move, but one thing stays steady — the lasting value of owning a home. Every payment builds equity, every year builds stability.
When you’re ready to make a smart move, our trusted team is here to guide you.
https://myoc.io/applyhere



NMLS # 1071550

08/14/2026

The housing market is giving buyers a little more breathing room as summer winds down. Inventory is edging higher, homes are taking about as long to sell as they did last year, and fewer properties are selling above asking. At the same time, mortgage rates remain elevated and existing-home prices continue to post modest annual gains.
https://myoc.io/applyhere



NMLS # 1071550

08/10/2026

The housing market is sending mixed signals as we move deeper into August. Mortgage rates finished last week lower, inventory continued to edge higher, and homes are selling slightly faster than they were a year ago. At the same time, contract activity remains sensitive to affordability, giving agents an important opportunity to help buyers and sellers separate national headlines from what’s happening locally.
https://myoc.io/applyhere



NMLS # 1071550

08/10/2026

No matter the season, there’s always something to be thankful for — especially the place you call home. Homeownership gives you more than a roof over your head. It’s stability, comfort, and a foundation to build your future on.
https://myoc.io/applyhere



NMLS # 1071550