Lydia Placid Real Estate

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Lydia Placid Real Estate

Mortgage Lender

11/02/2026

Realtors, when a buyer says: “I’m waiting for rates to come down.”

Don’t automatically assume that means they’re out of the market.

A lot of buyers are making that decision based on headlines, general market talk, or a rate they saw online.

But that doesn’t tell them what buying would actually look like for their situation.

Before that lead gets pushed into the “follow up next year” pile, send them to a lender.

I can help them look at things like:
What their potential monthly payment could be
What price range may feel comfortable
What loan options could be available
How much a rate change would actually affect their numbers
Whether waiting genuinely makes sense

Sometimes the answer will be: “Yes, waiting is probably the better move.”

And sometimes it will be: “You may not need to wait at all.”

Either way, they now have clarity instead of sitting on the sidelines based on an assumption.

If you have buyers in your pipeline who keep saying they’re waiting for rates to drop, send them my way. Let’s help them make the decision based on their numbers, not the headlines.

10/28/2026

“I’m just going to wait until mortgage rates come down.” I hear this a lot. And I understand why.

Nobody wants to feel like they bought at the wrong time or locked themselves into a payment they’re uncomfortable with.

But here’s the question I’d ask: What rate are you actually waiting for? 5%? 4%? Something lower?

And if rates do reach that number, will home prices be the same? Will the homes you want still be available? Will competition look different?

Trying to perfectly time the market can keep you waiting indefinitely.

That doesn’t mean you should buy just because you can.

It means the better first step is to stop making the decision based on one number and actually look at what buying would mean for you right now.

What would your payment look like?

What price range feels comfortable?

What loan options are available?

Does buying make sense for your life today?

You might run the numbers and decide waiting is the right move. Or you might realize you’ve been holding yourself back based on assumptions rather than your actual situation.

Don’t wait for perfect. Find out what’s possible.

If rates are the main reason you haven’t started the conversation yet, DM me or email me at [email protected] and let’s look at the numbers together.

10/26/2026

A few months ago, one of my clients became a homeowner with a $0 down payment through the Community Hero program.

And this is exactly why I never want someone to assume they need a huge amount sitting in savings before they can even start the homebuying conversation.

If you came to me and said:
“I really want to buy, but I don’t have a big down payment saved.”

My response wouldn’t automatically be:
“Come back when you’ve saved more.”

We’d look at your situation properly.
What loan programs could be available to you?
Could you qualify for a low or $0 down option?
What other upfront costs should you prepare for?
What monthly payment would actually feel comfortable?

Because the number sitting in your savings account does not tell me the whole story.

That buyer could have assumed homeownership was still months, or even years, away.

Instead, they explored their options and found a program that allowed them to purchase with $0 down.

So if the down payment is the reason you’ve been telling yourself: “Not yet.” Please don’t rule yourself out before you know what options are available to you. You might be closer than you think.

DM me or email me at [email protected] and let’s look at what buying could realistically look like for you.

10/23/2026

One of the biggest misconceptions I hear as a loan officer in Maryland from potential homebuyers is that they need to have a huge amount of money saved before buying a home can even become an option.

But that isn’t always the case.

There are loan programs available that can offer $0 down financing for eligible buyers.

Which means if the only thing stopping you from starting the homebuying process is thinking:
“I haven’t saved enough yet.”

Please don’t automatically rule yourself out.

You may be spending another year trying to reach a savings number you never actually needed to reach in the first place.

The better first step is finding out what financing options are available to you, what you may qualify for and what buying could realistically look like with the money you already have saved.

You don’t need to have everything figured out before talking to a loan officer.

You just need to find out what your options are.

If buying a home is on your radar but the down payment has been holding you back, DM me or email me at [email protected] and let’s start the conversation.

10/21/2026

I’ve had conversations with so many people who have already decided homeownership is years away.

Not because a lender told them that.

Because they looked at what they had in savings, compared it to the price of homes they liked, and assumed there was no way the numbers could work.

“I don’t have $40,000 saved.”

“I could never afford the down payment.”

“I’ll probably have to wait another few years.”

And sometimes, waiting is the right answer. But sometimes? They’re much closer than they think.

Your savings balance is only one part of the conversation.

Before I tell someone whether buying is realistic, I want to understand the full picture: income, debts, credit, the type of home they’re considering, the monthly payment they’d actually be comfortable with, and what financing options may be available to them.

That’s why I wish more buyers would have the conversation before deciding the answer is no.

You don’t need to come to me knowing you’re ready to buy. You can walk in asking: “Is this even possible for me?” That’s a perfectly good place to start.

Don’t rule yourself out based on an assumption!

DM me or send me an email at [email protected] to get the conversation started!

07/09/2026

How My Client Bought Their Home With $0 Down (And you can too!)

When my client first started exploring homeownership, they thought the biggest thing standing in their way was coming up with a down payment.
It’s a story I hear all the time.

The good news? After exploring their financing options, they were able to qualify for the Community Heroes 100% financing program, allowing them to purchase their home with $0 down.

A few weeks later, they were holding the keys to their new home.

That’s why I always encourage buyers to have a conversation before assuming they have to wait.

You might not qualify for every program available, but you’ll never know what’s possible unless you ask.

If you’ve been telling yourself, “Maybe next year,” let’s have a conversation first. You may be closer to homeownership than you think.

07/08/2026

Real Estate Agents: How Many Buyers Are Sitting in Your CRM Thinking They Can’t Buy?

Here’s a question I’ve been thinking about lately: how many buyers are sitting in your CRM right now because they believed they didn’t have enough money saved for a down payment?

Maybe they decided to keep renting.
Maybe they said they’d reach back out next year.
Maybe they assumed homeownership just wasn’t possible yet.

The truth is, some of those buyers may have more options than they realize.

That’s one of the reasons I’ve been reaching out to so many real estate agents recently. I want you to know about programs like the Community Heroes 100% financing program because they can completely change the conversation you have with your buyers.

One conversation could turn a “not yet” into a homeowner.

If you have buyers who think their down payment is what’s holding them back, I’d love to help you explore their options. Send them my way, and let’s see what’s possible.

06/05/2026

First-time home buyers, this is for YOU 🏡✨

If you’ve been putting off buying because you thought you needed a huge down payment saved.

You need to know about this program.

With this loan program:
✔️ 0% down payment options are available
✔️ Forgivable down payment assistance may cover your FHA down payment
✔️ Additional assistance may help with closing costs too

Here’s what that could look like 👇

🏡 $500,000 Home Standard FHA down payment:
💰 $17,500
With this program:
✔️ That full amount could potentially be covered.
PLUS: 💰 Up to $7,500 additional assistance toward closing costs.

—

🏡 $675,000 Home Standard FHA down payment:
💰 $23,625
With this program:
✔️ Potentially $0 down payment.
PLUS: 💰 Up to $10,125 toward closing costs.

—
🏡 $749,000 Home Standard FHA down payment:
💰 $26,215
With this program:
✔️ Potentially $0 down payment.
PLUS: 💰 Up to $11,235 toward closing costs.

—

A lot of first-time buyers are financially ready for homeownership, they just thought they needed years to save upfront.

That’s why programs like this can be such a game-changer.

If you’re wondering what you may qualify for, DM me “FIRST HOME” and let’s talk 📩
Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
📧 [email protected]
📱 202-706-8987

06/03/2026

It’s National Homeownership Month, so let me ask you something:

What’s ACTUALLY stopping you from buying a home? 👀🏡

For most people, the answer is: “The down payment.”

But what if that obstacle didn’t have to exist anymore?

Programs like this are helping buyers purchase homes with:
✔️ 0% down payment
✔️ Forgivable assistance loans
✔️ Help toward closing costs
✔️ Potential seller credits to reduce upfront expenses

For example: On a $749,000 home:
▫️ Standard FHA down payment = $26,215
▫️ PLUS closing costs

With this program? That down payment can potentially be fully covered.

There’s even an option for additional assistance toward closing costs too.

A lot of buyers are already financially ready to own a home, they just don’t realize there are programs designed to help them get there sooner.

So if your answer to “what’s stopping you?” is: “I don’t have enough saved.” Let’s talk first.

Your path to homeownership may look very different than you think 📩
Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
📧 [email protected]
📱 202-706-8987

06/01/2026

June is National Homeownership Month 🏡✨

But instead of this being another post you scroll past, let’s actually talk about what could make homeownership possible for YOU.

Because so many people are still sitting on the sidelines thinking:
❌ “I need years to save.”
❌ “I don’t have a down payment.”
❌ “Buying a home just isn’t realistic right now.”

And honestly? That may not be true anymore.

With this loan program:
✔️ 0% down payment options are available
✔️ Forgivable down payment assistance may cover your entire FHA down payment
✔️ Additional assistance may help with closing costs too

Example: On a $749,000 home:
💰 Standard FHA down payment = $26,215 But this program can cover that through a forgivable assistance loan.

Meaning you could potentially buy with little to no money out of pocket.

So this Homeownership Month, instead of saying “maybe someday”, let’s start the conversation now.

Because you may be closer to owning a home than you think 📩
Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
📧 [email protected]
📱 202-706-8987

Address

2530 Riva Road
Annapolis, MD

Website

https://wesbancobank.mymortgage-online.com/LydiaPlacid.html?_ga=2.79401556.1535703058.1643376712-2033078344.1643376712

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