Rick Dennis, Branch Manager NMLS #745219

09/04/2026

You’re not bad with money. You just don’t know how to spot the wins yet.

✅ Paying down debt
✅ Money set aside
✅ Building equity in a home
✅ Investing something, anything
✅ Content with what you have

That’s not nothing. That’s the foundation most people are still trying to build.

💡 Save this for the next time you’re hard on yourself about money. Then tell me which ones are already true for you.

09/03/2026

08/31/2026

That house sitting on Zillow for 30 days? Don’t just ask for a lower price.

Ask for a seller credit instead. It’s a completely different play, and it can save you way more money every single month.

💡 A $30k price cut saves you about $150/month. A $30k seller credit toward a rate buydown? That’s a different conversation entirely.

Save this if you’re actively house hunting. Or DM me and I’ll The show you exactly what the numbers could look like.

08/30/2026

A bumpy landing taught me the most important lesson in mortgages. Smooth and flawless. Every closing. No exceptions. That’s the only standard we work to. 🏠

08/27/2026

Your bank is collecting an extra $200.000+ from you... and it’s completely avoidable.

Here’s the move almost no one talks about:

📋 Pull up your mortgage statement. Find your principal and interest payment (skip taxes, insurance, PMI).

➗ Divide that number by 5. That’s your extra payment amount.

💸 Send it every month marked as principal only. This is the step most people miss.

On a $600,000 loan this one habit can cut 10 years off your mortgage and save over $200,000 in interest. No refinancing. No new application. No closing costs.

Save this post for when you sit down with your next statement. Or DM us and we’ll walk you through it.

08/26/2026

Owning a home comes with some serious tax advantages... most people never use all of them.

🏠 From mortgage interest to the Augusta Rule, these five deductions can make a real difference in what you owe each April.

Save this before tax season sneaks up on you, and share it with a homeowner who could use the reminder.

💬 Want to know how your mortgage fits into the bigger financial picture? Send me a DM. I’m happy to walk you through it.