Taylor Nevitt - PCMG Loan Officer

12/07/2025

Exciting news for buyers in SB & SLO Counties.🏡
For 2026, conforming loan limits are increasing:
SB County: $832,750 (low balance) / $941,850 (high balance)
SLO County: $832,750 (low balance) / $941,850 (high balance)
What does this mean? 💡 In our area, where the average home price is over $1M, more buyers can now stay within conforming loan limits, which means:
- Better interest rates compared to jumbo loans
- Lower monthly payments
- Easier qualification

This increase is like a holiday gift for buyers. More purchasing power and better financing options for your dream home! 🎁
www.TaylorNevittHomeLoans.com

12/06/2025

Escrow opened & I want to give you tips for the self-employed buyer.🏡👇
1. two years of ownership/income – typically require at least two years of consistent income to qualify.
2. income calculations matter – your buying power isn’t just your bottom line on taxes. Lenders often adjust income based on deductions and add-backs.
3. Taxes must be in order – any back taxes need to be paid off or enrolled in a payment plan.
4. Business debts don’t always count – debts run through your business (like a car payment) often don’t affect your personal debt-to-income ratio.

Buying as a self-employed borrower can feel tricky, but with the right guidance, it’s absolutely doable!
www.TaylorNevittHomeLoans.com

01/16/2024

If you bought FHA or VA within the last 3 years, it is your time to refinance! 🗝✨
Beat the rush and start your refi now with me !!

www.TaylorNevittHomeLoans.com

05/25/2023

03/30/2023

As a W2 employee, owning a home can provide several tax write-offs that can potentially lower your tax liability!!🏡🙌🗝️ Here are some of the ways that home ownership can be used as a tax write-off:
1) Mortgage interest deduction:
If you have a mortgage on your home, you can deduct the interest you pay on your mortgage from your taxable income. This deduction can be significant, especially in the early years of your mortgage when the majority of your payments go toward interest.
2) Property tax deduction:
You can also deduct the property taxes you pay on your home from your taxable income. This deduction can also be significant, depending on the property tax rates in your area.
3) Home office deduction:
If you use a portion of your home as a home office for work, you may be able to deduct a portion of your home-related expenses, such as mortgage interest, property taxes, and utilities.
4) Energy-efficient home improvements:
If you make energy-efficient improvements to your home, such as installing solar panels or upgrading your HVAC system, you may be eligible for tax credits.

03/27/2023

New Loan Program alert 🏡🗝️

www.TaylorNevittHomeLoans.com

03/23/2023

Invest in Real Estate 🗝️🏡

www.TaylorNevittHomeLoans.com

02/07/2023

www.TaylorNevittHomeLoans.com

02/01/2023

The answer is ‘YES’ now is a great time to buy!!🗝️✨