Brett McGinley, Mortgage Loan Originator with Legendary Mortgage

10/01/2026

Can you help me avoid the awkward conversations that will occur next year when successful business owners find out they don’t qualify for a mortgage? It’s that time of year when self-employed borrowers need to evaluate whether their tax strategy will support or hurt their real estate goals in 2027. Claiming every deduction (and showing your business is barely getting by for tax purposes) can be a valuable tax shelter, but it may take actual income off the table for mortgage qualification purposes. If you are planning on buying in 2027, it may be time to have a three-way conversation with your tax professional and lender.

09/29/2026

In honor of National Daughters Day and National Sons Day, I figured I’d let the tax deductions handle the mortgage advice.

Their qualifications? Years of experience asking for money, negotiating aggressively, and somehow (mostly) always getting approved by Underwriting (Dad).

Swipe through for some surprisingly solid home loan advice from the next generation.

Proud dad. Proud loan officer. Slightly concerned they may be better at marketing than I am.

Legendary Mortgage The ACM Way, Atlantic Coast Mortgage, LLC

09/25/2026

This week’s Property Preview listings are going to move quickly! Dana has a great option for someone relocating to Florida; Susi has a home for a family looking in Bradenton; one of my oldest son’s friends lives right around the corner from Jessica’s listing, so I’ve got an incentive to see a great family call that house their home; and Danielle has a stunning property in one of the region’s fastest-growing areas. Vote for your favorite, drop a comment, and let me know if there’s a particular listing or area you’d like to see featured next week.

1002 Nicene Court | Sun City Center, FL | $189,000

A well-priced opportunity in Sun City Center for buyers looking to keep housing costs manageable. This could be a strong fit for someone relocating to Florida or prioritizing affordability while staying in the Tampa Bay area.
Listed by Dana Pangelinan
[email protected]
(303) 881-8511

7201 11th Ave West | Bradenton, FL | $399,999

A Bradenton home priced just under $400,000 for buyers looking to stay close to the Gulf Coast and established amenities. It’s a compelling price point for buyers who may have thought this part of Manatee County was out of reach.
Listed by Susi Schleicher
[email protected]
(630) 508-3500

6315 Bridgevista Drive | Lithia, FL | $535,000

For buyers wanting more space while staying close to FishHawk and the greater Tampa area, this Lithia home deserves a look. It offers an opportunity to move into a highly sought-after part of eastern Hillsborough County without pushing into the highest priced tiers.
Listed by Jessica Beggins Houston
[email protected]
(813) 601-2227

4316 Sea Marsh Place | Parrish, FL | $625,000

Parrish continues to attract buyers looking for more space, newer communities, and convenient access to both Tampa Bay and Sarasota. This property stands out for buyers ready for more room without giving up the Florida lifestyle they’re looking for.
Listed by Danielle Dustman
[email protected]
(941) 725--2121

Legendary Mortgage The ACM Way, Atlantic Coast Mortgage, LLC INNOVATE Real Estate C21 Beggins, Tampa Real Estate

09/14/2026

The non-negotiable first step in buying a home is understanding your budget. Step two is understanding what that budget gets you and where the money goes. As long as you understand what you can afford and are comfortable paying, you can find the right property and the right loan structure for you. Want more information? You know what to do! Legendary Mortgage The ACM Way, Atlantic Coast Mortgage, LLC

09/03/2026

The Canine Loan Advisor has some things he needs to get off his chest. He's tired of the excuses, and he's pretty sure that if he had a smartphone and an opposable thumb, he could get bank statements as PDFs and not screenshots. And your uncle, while a source of great amusement and stories, should leave the loan advice to the professionals. The Canine Loan Advisor is not mad, he's just...disappointed. Legendary Mortgage The ACM Way, Atlantic Coast Mortgage, LLC

08/31/2026

A rolling stone gathers no moss! When you do the hard work up front, you can move quickly when the buyer finds 'the one' and you can realistically guarantee a closing within the same month, 14 working days later. This gives our clients and their agents a competitive advantage and allows them to open their front door for the first time, sooner.

08/31/2026

As a Loan Advisor, I field more client questions about rates than any other topic. We hear about rates on a daily basis, but those headlines and soundbites often lack context. This is a snapshot of the average mortgage rate at the end of August for this decade, with 1986 as a historical example. Some data points are higher, some lower. Take a look at 2020 and 2021. Rates were lower and that's great, right? Sure, if you don't consider the fact that in many markets the median price of a home rose dramatically during the same period. I do seem to remember some pretty crazy things occurring in 2020 and 2021...So for all the talk about "high rates," they have remained relatively flat over the last three years. That is stability. In the absence of every other variable, we all want lower interest rates for buying or borrowing, and we all want higher rates on investments. In terms of a mortgage, interest rates are important, but they are only one variable, and they can be controlled for in purchase price and loan structure. If you have been sitting on the sideline because rates are "high" you are also generally sitting on the sideline while inventory is higher and purchase prices are lower. Reach out of you want more information or a specific strategy on how to navigate this environment.

08/31/2026

08/30/2026

This week’s Property Preview features three homes built around lifestyle, whether that means more space in Apollo Beach, access to resort-style amenities, or a low-maintenance coastal retreat near the Carolinas. Three different price points. Three different lifestyles. Comment on your favorite property!

Room to Make It Yours
756 Flamingo Drive, Apollo Beach, FL 33572 | $474,900
A 3-bedroom, 2-bath Apollo Beach home offering 1,838 square feet on nearly a quarter-acre is an appealing option for buyers who want established surroundings without sacrificing room to spread out. A strong fit for someone looking to get into Apollo Beach below the price point of many of the area's larger planned-community homes.
Listed by Luke Allen
[email protected] | 310-948-6041 Luke Allen

Big Space, Coastal Lifestyle
5227 Admiral Pointe Drive, Apollo Beach, FL 33572 | $516,000
More than 3,200 square feet, four bedrooms and 3.5 baths give buyers the space that growing families often struggle to find, while the MiraBay community adds pools, fitness facilities, parks, tennis and other amenities. The open-concept kitchen and living areas, bonus space and private backyard make this one particularly compelling for buyers who need flexibility without giving up the Apollo Beach lifestyle.
Listed by Jessica Beggins Houston
[email protected] | 813-658-2121 Jessica Beggins Houston | Tampa, FL Realtor

Your Private Coastal Retreat
217 Waterfall Circle, Little River, SC 29566 | $675,000
This 3-bedroom, 3-bath home combines newer construction with something increasingly difficult to find: a genuinely finished outdoor living space designed for privacy and low-maintenance enjoyment. The courtyard-style retreat, upgraded interior, flexible primary-suite bonus space and gated community create an option for buyers who want coastal living without the constant upkeep of a traditional vacation property.
Listed by Brittany Booker
[email protected] | 843-742-7149 Brittany Booker

Want to have your listing featured in multiple markets? DM me for a spot in the upcoming weeks.