Andrew Haff - Mortgage Loan Originator, NMLS #1979618

08/27/2026

I ask a lot of questions for a reason. The more I understand your income, goals and overall situation, the better I can match you with the right mortgage—not just the first option available.

Thinking about buying or refinancing? Send me a message and let’s talk through your options.

08/26/2026

Not all mortgages are the same. As a broker, I can compare multiple lenders to help find the option that makes the most sense for you.

Buying or refinancing? Send me a message and let’s talk.

08/23/2026

The biggest mistake? Waiting too long to talk to a mortgage professional. Let’s build a plan before you start shopping. 🏡

08/20/2026

Mortgages don’t have to be complicated. The right guidance can make all the difference. 🏡

Buying a home? DM me ‘HOME’ and let’s talk.

08/10/2026

Seeing mortgage rates advertised in the 5s?

Before assuming it is an incredible deal, ask one question:

“How much does that rate cost?”

A 5.75% rate with $10,000 in points is not automatically better than a 6.25% rate with little or no upfront cost.

Rate matters. But so do the APR, discount points, cash to close and break-even period.

My newest article explains how to compare mortgage offers without getting fooled by the headline number.

Seeing mortgage rates in the 5s while averages hover near 6.69%? Learn how points, buydowns, VA loans and builder incentives affect the real cost.

02/12/2026

Thinking about renovating but don’t want to drain savings?

Our Renovation HELOC gives you flexible access to your equity so you can update your home now — not years from now.

Here’s how it works:

• Loan amount is based on the after-renovated value (ARV)
• You can access up to 125% of your current as-is value
• No traditional draw process — use the line to pay contractors directly
• Monthly maintenance fee during construction
• Once completed, an appraiser confirms the work and the fee is removed

Perfect for kitchens, additions, full remodels, or updating before selling.

If you’ve been sitting on equity and waiting for the right move — this might be it.

Message me and let’s run the numbers.

02/03/2026

Installment debt disappears at 10 months
If an installment loan (auto, student loan, etc.) has 10 or fewer payments left, many loan programs let you exclude it from DTI entirely.
→ Borrower thinks they’re dead… underwriter says “nah, you’re good.”

01/28/2026

🇺🇸 Already have a VA loan? Read this.

If rates dropped after you bought, a VA IRRRL (streamline refi) could mean:
• Lower rate
• Lower payment
• Way less paperwork
• Usually no appraisal, no income docs

It’s one of the easiest refis out there — built specifically for vets and active-duty homeowners.

No pressure, no obligation. If it makes sense, great. If not, you’re still good.