David Sicard Mortgage Lender

10/14/2026

Rates rise and fall like seasons, but a tree doesn’t wait for perfect weather to grow. Neither does equity. Every payment and every year in your home builds it a little more.

Buy when it makes sense for you, refinance if rates drop down the road, and let time do the heavy lifting. 🌳

Know someone who’s been waiting for the “perfect” time to buy? Tag them.

10/12/2026

Check out the latest Mortgage Lending updates

A weekly email detailing the weeks mortgage, real estate and business news.

10/09/2026

Enjoy this Video

A monthly video email that gives housing statistics by geographical area.

10/02/2026

Thousands of down payment assistance programs exist, and most buyers miss out simply because they don't know where to look. Grants, forgivable loans, low interest seconds, and more.

We partner with Down Payment Resource to search them all at once and show you what you may qualify for. No application, no credit pull, no obligation.

Talk to a Eustis Mortgage loan officer today to find your down payment assistance.

09/24/2026

School is back. The holidays are coming. And a lot of buyers have already decided to wait until spring.

That can mean less competition, fewer crowded open houses, and more room to negotiate than you may find during the busier spring market.

The net may be a little more open right now.

If buying a home is still on your list for 2026, don’t sit on the bench just because everyone else is waiting.

Take your shot.

09/11/2026

LOANSPAINING: Forgivable Second Lien

A complicated name for a very valuable homebuying tool.

Here’s how it works:

• The assistance is set up as a second loan alongside the first mortgage.

• It can help cover eligible upfront costs, such as the down payment, closing costs, or prepaid items, depending on the program.

• No monthly payment is required on the second loan.

• The amount is reduced based on the program’s timeline, either gradually or after a set period of time.

• Following the program rules, such as continuing to live in the home and keeping mortgage payments current, keeps the assistance on track toward having no remaining balance.

• Exact terms vary by program.

Want to know which down payment assistance options may be available for your home purchase? Reach out and let’s see what’s possible.