The Patton Group - ARC Realty

09/11/2026

SEC Football is back this week with some games starting on Friday! Here's the complete breakdown!

09/11/2026

Matt and crew have been killing it lately with their new financing options. This really can be a game changer for someone wanting to create generational wealth.

🫵 Realtors and Homebuyers: There's a recent Conventional loan guideline change that almost nobody is talking about... and here's why you need to know about it.

It just got so much easier to keep your current home, turn it into a rental, and still qualify for your next home purchase. 🏠

→ No need to have a tenant lined up before closing
→ No signed 12-month lease required
→ No requirement for 1st month's rent and security deposit to be collected in advance

Here's why this is such a big deal.

📉 Many current homeowners are sitting on their 3% - 4% mortgage rates and do not want to give it up. They WANT and NEED to move, but selling means losing that low fixed interest rate.

So now, Ellason Mortgage is able to offer an alternative...

✨ Keep the current home
✨ Buy the next one
✨ Rent the current one out AFTER closing

PREVIOUS guideline requirements if using rental income from the home you were leaving would typically require:

✅ Finding and locking down a future tenant
✅ Providing a signed 12-month lease agreement
✅ Documenting the upfront collection of the security deposit and 1st month's rent, before closing on the new home

These requirements created a timing problem for some that made keeping the current house nearly impossible. For homeowners sitting on rates they may never see again, this is an option they may very well consider.

Here's how it can work:

✨ We document the home's market rent using one of several options (see image)
✨ Multiply that amount by 75%
✨ Use that amount to offset the existing mortgage payment

As an example:

→ If the current home's monthly market rent is determined to be $2,400
→ 75% of that amount is $1,800 a month
→ If the current mortgage payment is $1,900 a month, almost the entire payment could be offset for qualifying purposes

Do you have questions about how to structure your next move? 🚛

Connecting is easy...

📲 Call or text: 205-886-5251
📧 Email: [email protected]
💬 DM me
🚀 Ready to get started? Apply Now: www.FinancedByMatt.com
📍 Come by our office for a visit

09/10/2026

It really is my therapy session!

09/04/2026

UPDATE: They’re gone!

I have 4 tickets to the Alabama vs ECU game tomorrow that are FREE to a good home!

08/31/2026

This is HUGE if you’ve been sitting on the fence because you didn’t think you had enough of a downpayment to purchase a home!

Call my guy, Matt and let him walk you through it!

🏠🔥❗ Introducing our new 1% Down Conventional Loan Program ❗🔥🏠

🚨 Ellason Mortgage is rolling out our 1% Home Mortgage Program!!

Why this may be the BEST option for a homebuyer in today's market:

✅ Conventional financing with only 1% down required from buyer's funds
✅ Gift funds allowable to meet 1% requirement
✅ Minimum 620 credit score
✅ First-Time and repeat homebuyers allowed
✅ Can be combined with additional $2,500 VLIP Grant option
✅ Reduced cost Mortgage Insurance option available
✅ Seller paid closing costs allowed
✅ Manufactured homes allowed (requires 3% buyer contribution)

More and more homebuyers are learning that Ellason Mortgage has the most competitive loan program options they need to succeed in today's housing market. Don't let online lender down payment requirements keep you from reaching your goals of homeownership. Our local experts are ready to help!

The Cost of Waiting is REAL. Whether you’re purchasing your first home or financing your dream home, I’d love to help you explore your options!

✍️ Reach out for a quote today.

📲 Call or text: 205-886-5251
📧 Email: [email protected]
💬 DM me
🚀 Ready to get started? Apply Now: FinancedByMatt.com
📍 Come by our office for a visit

08/26/2026

Ten days until Alabama opens against East Carolina. Kickoff at 11 a.m.

That early kickoff catches people every year. If you're driving over from Birmingham, McFarland is the exit everybody takes and it backs up accordingly. Worth knowing your other options before you're sitting on I-20/59 at 9:30 watching the clock.

Seven home games in Tuscaloosa this fall, which also means seven Saturdays that are rough for showing a house and pretty good for buying one, if nobody else feels like fighting the traffic.

I put together a few things worth sorting out this week, plus a gutter reminder while it's still tolerable to be on a ladder. Link in the comments.

Jason Patton
205-394-4898

08/24/2026

TIL that ZAXBYS will put lemon pepper seasoning on your fries and it’s so much better than their normal stuff. It also ensures that you get fresh fries.

08/23/2026

Goo Goo Dolls closed with Iris

08/23/2026

Ladies and gentlemen, The Goo Goo Dolls!

08/23/2026

The hosts for this evening are Kristen Bell and Ken Jeong