Rick Dennis, Mortgage Strategist NMLS #745219

11/03/2026

Most buyers walk into a home and ask one thing: what’s the price?

Here’s a better question. Will the seller put money toward my rate? A seller credit aimed at your interest rate can lower your monthly payment a lot more in the first years than the same money taken off the price.

Most buyers never ask, so most never get it.

Comment PAYMENT and I’ll send you my payment calculator and the Homebuyer Leverage Playbook.

Rick Dennis, Mortgage Strategist Rick Dennis Group, powered by GoRascal NMLS #745219 | GoRascal NMLS #2072896 | Equal Housing Opportunity Seller credits are up to the seller and subject to loan program limits.

11/01/2026

Same door, one year apart, and my heart grows right along with them. Scotty and Eloise, you are two of God’s best gifts to this family. Grandpa Gigi will keep opening this door for as long as we’re here. 🙏🎃

10/31/2026

What if your kid could be a millionaire without ever earning six figures? 👀

The math in this video shows how small, steady investing starting at birth can snowball over time.

💡 It’s not about big paychecks. It’s about starting early and staying consistent.

Save this for the next time you’re planning for your family’s future 🏡

10/30/2026

Asking a seller for a lower price is the weakest ask you can make.

The seller is already willing to spend that money. The only question is what it buys. Taken off the price, it barely moves your payment. Aimed at the payment in the first couple of years, you feel it right away.

I call it the Same-Dollars Test. Put in your own price and the seller’s credit in my free calculator and see both side by side.

Comment FLIP and I’ll send it to you, along with my Flip the Ask guide.

Seller contributions are not guaranteed and are subject to loan program limits. Calculator results are illustrations, not a quote.
Rick Dennis · Mortgage Strategist · NMLS 745219 · Rick Dennis Group, powered by GoRascal · NMLS 2072896 · Equal Housing Opportunity. Not a commitment to lend.

10/29/2026

10/29/2026

Every agent has had the call. The deal is wobbling and you have to tell your clients.

What’s the hardest one you’ve had to make this year

10/28/2026

The Fed did not raise rates today. Ten of twelve members voted to hold. Their statement says the economy is expanding at a strong pace, and inflation is still elevated.

To me, that’s a steady signal, not an alarm. And here’s what many people miss: the Fed’s rate does not set mortgage rates. Mortgage rates tend to follow the ten-year Treasury, so that’s the number I watch.

Nobody can predict rates. I don’t wait on a Fed meeting. I get my buyers ready, because owning a home is a long-term move.

Market Minute is here every Monday.

Sources: Federal Reserve Board, “Federal Reserve issues FOMC statement,” Oct. 28, 2026, 2:00 p.m. ET; Fox Business, Oct. 28, 2026; Federal Reserve Bank of Atlanta, “Not joined at the hip: the relationship between the fed funds rate and mortgage rates,” Nov. 10, 2025.

Rick Dennis · Mortgage Strategist · NMLS 745219 · Rick Dennis Group, powered by GoRascal · NMLS 2072896 · Equal Housing Opportunity. Not a commitment to lend.

10/28/2026

A pre-approval letter takes an afternoon. A real review of your paperwork takes a little longer, and it’s the part that actually protects your deal.

Before you write an offer, find out what’s been checked and what hasn’t.

Rick Dennis | Mortgage Strategist | Rick Dennis Group, powered by GoRascal | NMLS 745219 | GoRascal NMLS 2072896
Equal Housing Opportunity. Educational content only. This is not a commitment to lend. All loans are subject to credit approval and underwriting. Programs and guidelines are subject to change.

10/27/2026

62: $1,680 a month, starting now

67: $2,400 a month, and you pass the 62 total around age 79

70: $2,976 a month, and you pass the 62 total around age 80

If you live into your 80s, waiting usually pays more. If you have health concerns or need the income now, claiming earlier can make sense. If you’re married, the bigger check can carry over to your spouse.

And if buying, refinancing, or a reverse mortgage is part of your retirement plan, when you claim changes the income a lender counts. Run those numbers before you file.

Comment “62” and I’ll go through yours with you.

Educational example only, not tax or financial advice. Check your own numbers at ssa.gov.

Rick Dennis | Mortgage Strategist | Rick Dennis Group
NMLS 745219 | GoRascal NMLS 2072896

10/26/2026

Most buyers hear one closing cost number at the start and a different one at the end. Nobody explains the gap.

Here’s the short version. Closing costs are a list of people getting paid, and a few of the lines aren’t fees at all. They’re your own bills, paid early.

Swipe for the five places the money goes, the three dates that matter, which costs can move, and the one phone call that protects your cash to close.

My Closing Cost Guide walks through all of it, with every point tagged as a fact, an example, or something to verify for your deal.

Comment CLOSING and I’ll send it to you.

Rick Dennis · Mortgage Strategist · NMLS 745219 · Rick Dennis Group, powered by GoRascal · NMLS 2072896 · Equal Housing Opportunity. Not a commitment to lend. Educational only. Rules vary by loan type and lender.