Moses Alford, Alford Lending Group - NEXA Mortgage NMLS #1660690

Directions Website Contact the business

Moses Alford, Alford Lending Group - NEXA Mortgage NMLS #1660690 Alford Lending Group LLC 🏡💼📊
Mortgage Brokers
NMLS ID # 2020941

09/21/2026

I just helped a client in North Florida do something I think a lot more homeowners should at least know is possible.

He has been at his job for years, owns his home free and clear, and his goal is to retire within the next ten years. He found an operating self-storage business that had been sitting on the market for a while. Fewer buyers meant more negotiating power and he used that to negotiate a significant discount off the asking price.

We helped him access the equity in his home through a HELOC to help finance the purchase.

Now he is buying an existing business that is positioned to cash flow from day one and potentially become a meaningful part of his retirement strategy. He did not start a business from scratch. He bought one that was already operating and used an asset he already owned to make it happen.

That is exactly why I keep telling people a tough market does not mean there are no opportunities. Sometimes a tough market is exactly what creates them. Fewer buyers, motivated sellers, more room to negotiate.

If you have significant equity in your home and you have been thinking about buying a business or another investment let's run the numbers together. HELOC, cash-out refinance, or another strategy depending on your situation.

You bring me the opportunity. I will help you figure out how to get it financed.

Reach out anytime.

09/21/2026

The Fed raised rates by a quarter point this week and I already know what some of you are thinking. Does that mean mortgage rates just went up a quarter percent too?

Not exactly.

This is probably one of the biggest misunderstandings I hear about mortgage rates. The Fed does not directly set your 30-year mortgage rate. Mortgage rates are much more connected to what is happening in the bond market and what investors believe is coming next with inflation and the economy.

Sometimes the Fed makes a move and mortgage rates react. Sometimes the market already expected the move and priced it in beforehand. And sometimes mortgage rates can actually move in a completely different direction. That is why you cannot read one headline and assume you know what happened to your mortgage payment.

For buyers here is what I want you to take from this: stop trying to perfectly time the market. I have watched people spend six months waiting for a better rate while the house, the price, the seller incentives, or something else about the opportunity changed completely.

Instead let's look at the deal that is actually in front of you. What is the payment? Can we negotiate seller concessions? Can we use those concessions to buy the rate down? And most importantly does buying this house make sense for you right now?

For Realtors your clients are seeing headlines and hearing opinions. Half of them think the Fed controls mortgage rates with a button in Washington. Be the person who brings clarity instead of adding to the noise. You do not have to predict what rates will do next. Help your clients understand what is happening and connect them with someone who can run the real numbers.

You sell the house. I will make the mortgage stuff make sense.

Moses Alford. Reach out anytime.

09/16/2026

Mortgage rates finally started coming down and now they are creeping back up. What happened?

A big part of it is uncertainty in the global economy. When tensions overseas push oil prices higher that creates new concerns about inflation. And the bond market does not like inflation. When bond yields react mortgage rates move right along with them.

So if I gave you a payment estimate a couple of weeks ago do not assume those numbers are still accurate. The rate environment has shifted and the payment picture may look different today than it did then.

But here is the other thing. Do not panic every time you see a scary headline either.

Rates move. Markets change. Opportunities change with them. The buyers and sellers who win in this environment are the ones who make decisions based on current real numbers rather than last week's rate or this morning's headline.

If you are thinking about buying or refinancing do not make your decision based on outdated information. Let me run the current numbers for your specific situation so you know exactly where you stand right now.

Reach out anytime.

09/09/2026

You have probably seen some headlines about a possible 50-year mortgage and wondered if it is finally here. Let me give you a straight answer so you can stop wondering.

Right now the answer is no. A 50-year mortgage has been discussed in various policy and industry conversations as a potential way to lower monthly payments and improve affordability for buyers who are being priced out by current rates and prices. But it is not an available mortgage product today. You cannot walk into a lender and choose a 50-year loan.

And while it is worth understanding the concept, it is also worth understanding the trade-off clearly. Yes, stretching a loan over 50 years instead of 30 would lower the monthly payment. But it would also mean paying significantly more interest over the life of the loan. A lot more. And it would mean building equity much more slowly because a larger portion of every early payment goes toward interest rather than principal. You would own less of your home for longer.

So while it makes for an interesting conversation and a compelling headline it is not something buyers can actually choose right now.

The more useful conversation is about the loan options that are actually available today and which one makes the most sense for your specific financial situation and goals. There are more options than most buyers realize and some of them are very compelling in the current market.

Reach out and let's have that conversation instead.

09/08/2026

If you have owned your home for a few years there is a good chance you are sitting on something pretty valuable: equity. And that equity does not have to just sit there looking pretty on a Zillow estimate.

Depending on your situation a HELOC or a cash-out refinance can give you access to some of that money in a way that actually moves you forward financially.

You could use it to renovate your home and increase its value. You could consolidate high-interest debt and significantly reduce your monthly obligations. You could invest in your business. Or you could use it toward buying another property and start building a real estate portfolio.

I am a big fan of HELOCs specifically because of the flexibility they offer. You have the credit line available when you need it and you typically only pay interest on the money you actually use. You are not paying on the full amount sitting there just in case.

Now does that mean everybody should run out and tap into their equity? Absolutely not. Your home is not an ATM. The numbers have to make sense and the strategy should actually move you closer to your financial goals rather than just adding debt without purpose.

Your home has been quietly building wealth for you. Let's make sure that equity has a job.

If you are curious about what yours could do give me a call and we will run the numbers together to see if it makes sense for your situation.

813-819-0222.

09/04/2026

Let me save you some frustration before you go down the rabbit hole of online mortgage rate shopping.

That rate you saw advertised online? That might not be your rate.

Advertised rates are almost always based on a very specific borrower scenario. A certain credit score. A certain down payment. A specific loan type and property type. And sometimes those rates include paying points upfront to buy the rate down, which is a cost that may not be visible in the headline number.

Your rate is based on your situation. Not the scenario the advertiser used to generate the lowest possible number.

Now here is the good news. Some of the factors that affect your rate are things we can actually work on together. Maybe improving your credit score before applying moves you into a better pricing tier. Maybe adjusting the down payment structure changes the equation. Maybe there is simply a different loan program that is better suited to what you are trying to accomplish.

That is exactly why I tell people: stop shopping for a rate before you know what you are actually shopping for.

Let me look at the whole picture. Run the real numbers. And show you your actual options based on your actual situation.

Because the goal is not to find the best rate advertised online. The goal is to find the best financing strategy for you.

Moses Alford. Reach out anytime and let's look at the full picture together.

09/03/2026

Something Moses Alford tells his buyers all the time and it changes the entire conversation.

Stop shopping for a price. Start shopping for a payment.

Because two $400,000 houses can have two very different monthly payments. Property taxes vary by location. Homeowner's insurance varies by property. HOA fees can add hundreds to your monthly obligation. And the interest rate on your specific loan affects everything.

The purchase price is one number. The monthly payment is the number you actually live with for the next 30 years.

So before worrying about your maximum purchase price Moses wants to know something more important: what payment are you actually comfortable with every month? What number lets you still have a life after the mortgage clears your account?

Then you work backward. You build the buying strategy around that payment target. And sometimes that opens up some creative options.

For example: a seller who helps buy down your interest rate could potentially save you more money every month than simply negotiating a lower sales price would. That is a completely different way to think about negotiation and most buyers never consider it.

The goal is not to help you buy a house you can technically afford. The goal is to make sure you can still enjoy your life after you make the mortgage payment.

Know your payment first. Then go find the house.

Moses Alford. Reach out anytime.

09/03/2026

Here is what everybody wants to know right now: what is the Fed going to do with rates?

And the honest answer is this. If somebody tells you they know exactly what is going to happen next do not let them borrow your crystal ball.

Inflation and the broader economy are still driving the conversation and the market is going to keep reacting as new information comes out. Anyone claiming to have the answer with certainty is either guessing or selling something.

But here is where the real opportunity is for real estate professionals right now.

Your clients do not need you to predict the market. They need you to help them navigate it.

There are buyers sitting on the sidelines right now waiting for some magical perfect time to buy. That moment is not coming with a flashing sign. And while they wait the market keeps moving around them.

Call them. Check in. Educate them. Find out what is actually keeping them from making a move. Is it rates? Is it fear? Is it a down payment question? Is it just uncertainty about the process? Because the answer to that question is where you can actually add value right now.

Markets change. And when the opportunity arrives the realtor who has been consistently showing up, providing value, and staying in front of their clients is the one who gets the call.

You do not have to predict what happens next. You just have to make sure you are the person helping your clients prepare for it.

09/02/2026

If you are a first-time home buyer and the down payment is what is holding you back we need to talk. Because there may be a whole lot more help available than you realize.

Depending on where you are buying and what you qualify for there are programs that can help with the down payment, closing costs, and sometimes even offer grants or other forms of assistance that do not have to be repaid.

But here is the part that surprises most people.

You may still qualify as a first-time home buyer even if you have owned a home before. With many programs if you have not owned your primary residence in the last three years you may be considered a first-time home buyer and eligible for programs you thought were off the table for you.

The problem is most people do not know these programs exist. And even fewer know which ones actually fit their specific situation. That is exactly where I come in. Sorting through the available options, identifying what you actually qualify for, and building a plan around the real help that is already out there for you.

Before you spend another year trying to save every single penny on your own let's find out what help might already be available to you.

Comment FIRST below and let's build your home buying game plan together.

09/01/2026

Buying a brand new home? Let me save you some money before you walk into that builder sales office.

Here is something most new construction buyers do not know going in. Builders love to offer incentives if you use their preferred lender. And sometimes it genuinely is a great deal. But an incentive does not automatically mean it is the best deal available to you.

The incentive is designed to keep you in their ecosystem. That does not mean it is bad. It means you should compare before you commit.

Here is what that comparison looks like. We look at the rate they are offering alongside the rate available elsewhere. We look at closing costs, lender fees, and any credits on both sides. We look at the whole picture together. Sometimes their lender wins. Sometimes we beat them. But either way you know. And knowing is always better than assuming.

There is another piece that new construction buyers often overlook. If your home will not be finished for several months you are exposed to rate movement during construction. An extended rate lock option can protect you during that build period so you are not at the mercy of wherever rates land on closing day.

So go pick your floor plan. Pick your countertops. Enjoy all the fun stuff that comes with building something new.

Before you pick your financing give me a call. Let's make sure that builder special is actually special.

Address

550 N Reo Street
Tampa, FL

Website

Alerts

Be the first to know and let us send you an email when Moses Alford, Alford Lending Group - NEXA Mortgage NMLS #1660690 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Moses Alford, Alford Lending Group - NEXA Mortgage NMLS #1660690:

Shortcuts

Share