Amy Valdivia - NMLS ID #250717

09/24/2026

09/23/2026

Did you know it could take over 37 years to save a 20 percent down payment in today's economy? Waiting on the sidelines to save 20 percent might actually cost you hundreds of thousands in potential net worth over time.

Buying a home earlier with a lower down payment allows you to start building equity and appreciation much sooner. Options exist where you can buy a home with as little as 3.5 percent down. Stop waiting and start building your financial future today. 🏡

Comment low down payment below, and I will show you what options are available in your market.

https://myoc.io/blmSsGVSouA

09/21/2026

Everyone is asking if you remember the 21st night of September, but I want to know if you remember the day you got your keys! Tell me about it in the comments, what do you remember most about that day?
https://myoc.io/blmSsGVSouA

09/18/2026

Found "the one" but your current home hasn't sold yet? With Planet Home's Buy Now. Sell Later. program, you can make a strong, non-contingent offer on your next home. Then you can sell your current one on your own timeline, not the market's. No more losing out to a cash buyer. No more missing out on homes you love. Just one more thing less thing standing between you and moving day.

https://myoc.io/blmSsGVSouA



Equal Housing Lender. © 2026 Planet Home, a DBA of Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID # 17022 | For licensing information, go to: www.nmlsconsumeraccess.org. The DBA “Planet Home” is not authorized for use in the following states and territory: WY.

09/18/2026

Already have a VA loan? Refinancing it may require less than you think. A VA Interest Rate Reduction Refinance Loan (IRRRL) may offer:

• No appraisal requirement in many cases
• Less income and asset documentation
• The ability to finance eligible closing costs
• An opportunity to lower your rate or monthly principal and interest payment*

The question isn't simply whether you can refinance. It's whether the numbers make sense for you.

Call me today to compare your current VA loan.

Refinancing may result in higher total finance charges over the life of the loan. Program eligibility and requirements apply.

https://myoc.io/blmSsGVSouA



Equal Housing Lender. © 2026 Planet Home, a DBA of Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID # 17022 | For licensing information, go to: www.nmlsconsumeraccess.org. The DBA “Planet Home” is not authorized for use in the following states and territory: WY.

09/15/2026

Want to grow your real estate portfolio without letting your personal income hold you back? Experienced investors often use DSCR loans to qualify based on the property rental income rather than personal debt to income ratios. If the rental income covers the mortgage payment and you meet the credit and reserve guidelines, you can keep expanding your investments. 🏡 Send me a message today to see if a DSCR loan is the right strategy to build your generational wealth.

https://myoc.io/blmSsGVSouA

09/14/2026

Big changes are coming to home appraisals on November 2nd. Fannie Mae and Freddie Mac are officially retiring 13 legacy appraisal forms. A completely new reporting format is taking their place for most conventional loans.

This update could impact everything from standard purchases to equity buyouts and inheritances. Navigating new mortgage rules can feel overwhelming, but you do not have to do it alone. I am here to help you understand what these updates mean for your home goals.

Send me a direct message today to chat about your options. 🏠

https://myoc.io/blmSsGVSouA