Joe Bragg - PRMI

10/06/2026

🏡 Can child support income help you qualify for a mortgage? It can — but there are specific guidelines for how much can be used and what documentation is needed.
Whether you’re thinking about buying a home or you’re an agent working with a buyer who receives child support, let’s review it early and know the numbers before you start shopping.
📲 Reach out anytime — I’m happy to help.

10/05/2026

🏡 Parents: Want to help your child become a homeowner? Your gift could make a bigger difference than you realize.
In 2026, the federal annual gift-tax exclusion is $19,000 per giver, per recipient—but that doesn’t necessarily mean $19,000 is the most you can give.
Gift funds may be able to help a homebuyer with:
✅ Down payment
✅ Closing costs
✅ Paying down debt to help with qualification
And depending on your individual tax situation and available lifetime exemption, a larger gift may also be possible. (Always consult a qualified tax professional regarding gift-tax implications.)
Helping your child purchase a home can be about more than providing money—it can help them take an important step toward building long-term financial stability and equity.
Thinking about helping a family member purchase a home? Let’s talk about the mortgage guidelines and how gift funds may fit into their homebuying plan.
📲 Contact me today to start the conversation.

10/01/2026

09/22/2026

🏡 Buying a new home & renting out your current one?

📋 Under updated Fannie Mae guidelines, a signed lease alone can no longer document rental income from a departing residence.
Instead, market rent must be supported with acceptable documentation. 💰
Thinking about making the move? Let’s talk! 🔑 Reach out to me today at 443-253-1579 for more info.

09/15/2026

September is REALTOR® Safety Month 🏡🔐

A few simple reminders:
🤝 Bring a safety buddy to open houses
🔑 Check every room before locking up
💻 Secure personal information & valuables
📧💳 Stay alert with emails and financial accounts

Stay alert. Stay connected. Stay safe.

09/10/2026

🏡 Renting the home you want to buy?
A renter may be able to purchase the home they’ve been renting, and mortgage financing could help make it possible! 🔑

A few things to know:
🏠 Financing options may be available
📋 The property must meet lending requirements
👨‍👩‍👧 Additional requirements may apply if the renter is related to the owner

From renter to homeowner? Let’s talk! Call today at 📞 443-253-1579 for more information!

09/09/2026

🏡 Maryland Heroes — Let’s Get You Home! 🚒🚓🍎
Teachers, firefighters, police, EMTs — this one’s for YOU.

The Maryland Mortgage Program offers 5% assistance toward your down payment and closing costs if you’re a qualifying first‑time homebuyer.
That’s real money that can make homeownership finally feel possible.

You show up for us every day.
Now it’s time for your community to show up for YOU.

💬 DM me to see if you qualify — it’s quick, easy, and could change everything.