Brett Turner - Mortgage Loan Officer

Brett Turner - Mortgage Loan Officer BRETT TURNER
Senior Mortgage Loan Officer #1485013
ANNIEMAC Home Mortgage - NMLS #338923
AnnieMac Home Mortgage is an equal housing lender.

๐Ÿ“ Serving AL, AZ, CO, FL, GA, MN, NC, SC, TN, TX, & VA | NMLS #1485013
๐Ÿก Purchase | Refinance | First-Time Buyers
๐Ÿค Trusted by Realtors | Experienced Loan Officer
AnnieMac Home Mortgage NMLS #338923
Equal Housing Opportunity I help real estate agents and homebuyers close fast, smooth, and smart. Whether itโ€™s your first home or your fifth, I deliver clear communication, tailored mortgage options, and partnership-level service - across Georgia, Florida, and Tennessee. Letโ€™s connect to grow your business or plan your next move.

09/24/2026

๐—”๐˜‚๐—ด๐˜‚๐˜€๐˜ ๐—ด๐—ฎ๐˜ƒ๐—ฒ ๐˜‚๐˜€ ๐—ฎ๐—ป ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜๐—ถ๐—ป๐—ด ๐—ฐ๐—ผ๐—บ๐—ฏ๐—ถ๐—ป๐—ฎ๐˜๐—ถ๐—ผ๐—ป:

๐Ÿ“ˆ More inventory
๐Ÿ“‰ Lower existing-home sales
๐Ÿ“ˆ Higher mortgage rates
๐Ÿ“ˆ Home prices still elevated

Existing-home sales fell 2% in August to a 3.98 million annual pace, while inventory climbed to roughly 1.62 million homes.

That doesn't mean every buyer suddenly has the upper hand.

It does mean ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜† ๐—บ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€.

For buyers, that can mean looking beyond the listing price.

For agents, it can mean helping sellers understand that financing can be part of the marketing conversation.

09/24/2026

A buyer saying, โ€œI have a $400,000 budgetโ€ doesnโ€™t always tell you much.

But ask: โ€œ๐—ช๐—ต๐—ฎ๐˜ ๐—บ๐—ผ๐—ป๐˜๐—ต๐—น๐˜† ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ณ๐—ฒ๐—ฒ๐—น ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜?โ€

Now youโ€™re having a completely different conversation.

Price matters.

But the ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐—ถ๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐˜€๐—ต๐—ผ๐˜„๐˜€ ๐˜‚๐—ฝ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—บ๐—ผ๐—ป๐˜๐—ต.

That little shift can open up a much more productive conversation with buyers.

What do you usually ask first: ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ ๐—ผ๐—ฟ ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜?

When someone says, โ€œI don't want a 30-year mortgage,โ€ there's a bigger conversation worth having.๐“๐ก๐ž ๐ซ๐ข๐ ๐ก๐ญ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐ข๐ฌ๐œ...
09/23/2026

When someone says, โ€œI don't want a 30-year mortgage,โ€ there's a bigger conversation worth having.

๐“๐ก๐ž ๐ซ๐ข๐ ๐ก๐ญ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐ข๐ฌ๐œ๐ฎ๐ฌ๐ฌ๐ข๐จ๐ง ๐ข๐ฌ๐ง'๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐ก๐ž ๐ญ๐ž๐ซ๐ฆ.

It's about how the financing fits the buyer's cash flow, goals and timeline.

Waiting for the market to give you the perfect combination of price + rate + inventory can leave you waiting indefinitel...
09/22/2026

Waiting for the market to give you the perfect combination of price + rate + inventory can leave you waiting indefinitely.

๐”๐ฌ๐ž ๐ญ๐ก๐ž ๐ญ๐ข๐ฆ๐ž ๐ญ๐จ ๐ข๐ฆ๐ฉ๐ซ๐จ๐ฏ๐ž ๐ญ๐ก๐ž ๐ญ๐ก๐ข๐ง๐ ๐ฌ ๐ฒ๐จ๐ฎ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐œ๐จ๐ง๐ญ๐ซ๐จ๐ฅ.

A low mortgage rate is great. But itโ€™s only one piece of the monthly financial picture.Iโ€™ve seen plenty of homeowners fo...
09/22/2026

A low mortgage rate is great. But itโ€™s only one piece of the monthly financial picture.

Iโ€™ve seen plenty of homeowners focus on the rate on their mortgage while overlooking credit cards, personal loans, auto loans, or other higher-interest debt.

Sometimes the better conversation isnโ€™t simply, โ€œWhatโ€™s my mortgage rate?โ€

Itโ€™s โ€œ๐–๐ก๐š๐ญ ๐ข๐ฌ ๐ฆ๐ฒ ๐จ๐ฏ๐ž๐ซ๐š๐ฅ๐ฅ ๐๐ž๐›๐ญ ๐œ๐จ๐ฌ๐ญ๐ข๐ง๐  ๐ฆ๐ž, ๐š๐ง๐ ๐ข๐ฌ ๐ญ๐ก๐ž๐ซ๐ž ๐š ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐ฐ๐š๐ฒ ๐ญ๐จ ๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ž ๐ข๐ญ?โ€

Every situation is different, but itโ€™s worth looking at the whole picture before assuming thereโ€™s nothing to improve.

Thatโ€™s where a good mortgage conversation can sometimes uncover options you hadnโ€™t considered.

Whatโ€™s one piece of the home-financing conversation you think gets overlooked most often?

09/21/2026

๐—ฃ๐—ฟ๐—ถ๐—ฐ๐—ฒ ๐—ถ๐˜€๐—ปโ€™๐˜ ๐˜๐—ต๐—ฒ ๐—ผ๐—ป๐—น๐˜† ๐—น๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐˜€๐—ฒ๐—น๐—น๐—ฒ๐—ฟ๐˜€ ๐—ต๐—ฎ๐˜ƒ๐—ฒ.

Sometimes the r๐—ถ๐—ด๐—ต๐˜ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜† can make a home ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฎ๐˜๐˜๐—ฟ๐—ฎ๐—ฐ๐˜๐—ถ๐˜ƒ๐—ฒ without changing the list price.

๐€ ๐ฉ๐ซ๐ž-๐š๐ฉ๐ฉ๐ซ๐จ๐ฏ๐š๐ฅ ๐ข๐ฌ ๐š ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐œ๐ž๐ข๐ฅ๐ข๐ง๐ : ๐ง๐จ๐ญ ๐š ๐ฌ๐ฉ๐ž๐ง๐๐ข๐ง๐  ๐ญ๐š๐ซ๐ ๐ž๐ญ.The amount you may qualify for and the amount you feel comf...
09/20/2026

๐€ ๐ฉ๐ซ๐ž-๐š๐ฉ๐ฉ๐ซ๐จ๐ฏ๐š๐ฅ ๐ข๐ฌ ๐š ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐œ๐ž๐ข๐ฅ๐ข๐ง๐ : ๐ง๐จ๐ญ ๐š ๐ฌ๐ฉ๐ž๐ง๐๐ข๐ง๐  ๐ญ๐š๐ซ๐ ๐ž๐ญ.

The amount you may qualify for and the amount you feel comfortable spending are two different conversations.

Before you start shopping, consider the full picture:
โ€ข Your preferred monthly comfort level
โ€ข Your cash reserves and future goals
โ€ข The costs of owning and maintaining the home

The strongest home search balances lender qualification with personal affordability.

๐Œ๐จ๐ซ๐ž ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ. ๐‹๐ž๐ฌ๐ฌ ๐ ๐ฎ๐ž๐ฌ๐ฌ๐ฐ๐จ๐ซ๐ค.

The housing market can give buyers more choices without suddenly becoming a โ€œbuyerโ€™s marketโ€ everywhere.August inventory...
09/19/2026

The housing market can give buyers more choices without suddenly becoming a โ€œbuyerโ€™s marketโ€ everywhere.

August inventory reached its highest level since 2019, while the national median existing-home price was still $429,100.

๐Œ๐จ๐ซ๐ž ๐œ๐ก๐จ๐ข๐œ๐ž๐ฌ ๐œ๐š๐ง ๐œ๐ซ๐ž๐š๐ญ๐ž ๐จ๐ฉ๐ฉ๐จ๐ซ๐ญ๐ฎ๐ง๐ข๐ญ๐ข๐ž๐ฌ.

But buyers still need to evaluate the individual property and financing, not just the headline market.

09/18/2026

Waiting on rates to hit a certain number can keep buyers on the sidelines.

The market may be out of your control, ๐—ฏ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜, ๐—ฐ๐—ฎ๐˜€๐—ต ๐—ฝ๐—ผ๐˜€๐—ถ๐˜๐—ถ๐—ผ๐—ป, ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ ๐—ฟ๐—ฎ๐—ป๐—ด๐—ฒ, ๐—ฎ๐—ป๐—ฑ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜† ๐—ฎ๐—ฟ๐—ฒ๐—ปโ€™๐˜.

๐—•๐˜‚๐—ถ๐—น๐—ฑ ๐˜๐—ต๐—ฒ ๐—ฝ๐—น๐—ฎ๐—ป ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ผ๐—น.

09/17/2026

A couple of recent reviews that made our day.

Weโ€™re grateful for every client and agent who trusts Brett and our team to be part of the homebuying journey. Thank you for the kind words and for the referrals that keep coming our way!

Address

39 Cedar Swamp Road
Smithfield, RI
02917

Telephone

+17707331551

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