Chasity Young MLO 317122

05/28/2026

The goal isn’t just becoming a homeowner…

It’s becoming a homeowner comfortably 👀

A smart buyer doesn’t just focus on the biggest approval amount.

They focus on the monthly payment, emergency savings, and building a plan that actually feels manageable long-term.

Because owning a home should bring stability… not stress.

05/27/2026

Getting pre-approved doesn’t automatically lock your interest rate 👀

That’s one of the biggest misconceptions buyers have during the home buying process.

A pre-approval means your finances were reviewed.
A rate lock means your interest rate is protected for a set time.

Until that rate is locked, your monthly payment can still change if rates move.

That’s why strategy matters way more than trying to perfectly “time the market.” The goal is finding a payment that actually feels comfortable for YOU 🏡

05/11/2026

Low rate assumption?

Yes, it’s possible.

But it’s not as simple as it sounds.

Qualification still matters…
and so does the cash difference.

05/11/2026

I was going through the last of my grandma’s boxes and found this little note/drawing I made her when I was a young girl.

I figured I had to be around 8 or 9 because I started wearing glasses at 9 and I definitely would’ve drawn them on my bunny if I had them already. I can also place it as being before 5th grade when I learned my birth certificate actually said “Chasity,” not “Chastity,” so I had to drop the first “T” because no one wanted to change my birth certificate.

This bunny became my signature character after I placed in an Easter sidewalk chalk art contest in Taft.

05/08/2026

The biggest mistakes in home buying don’t happen at the start…

They happen right before closing.

Even small financial changes can delay or stop your loan.

05/07/2026

Cash offers get attention…

But certainty wins deals.

A strong pre-approval, clean terms, and a solid team
can make a financed offer just as competitive.

05/06/2026

Interest rates don’t seem like a big deal…

Until you see what they do to your monthly payment.

Even a small change can shift your numbers by hundreds.
Same home. Same price. Completely different outcome.

05/05/2026

Mortgage payment went up out of nowhere?

It’s usually not your loan… it’s escrow.

When property taxes or insurance increase,
your monthly payment adjusts with it.

That’s the part most homeowners don’t expect.

05/04/2026

There’s a different way to buy real estate…

One that’s built around business structure and cashflow, not just personal income.

That’s where LLCs and DSCR loans come into play.

05/04/2026