Lorne Ricord NMLS# 505246- Movement Mortgage

09/16/2026

For years, everyday buyers were competing against institutional money. Large corporate investors had deep pockets, all-cash offers, and the ability to move fast. This may have created additional challenges for individual buyers and small investors looking to enter the market.

Federal law now restricts those large corporate investors from buying additional properties from existing housing stock.* The institutional buyers that once crowded out everyday buyers have largely stepped back. That changes the math on making an offer. You're not competing against a hedge fund. You're competing against people in a similar position to you. Reach out and let's talk about what this means for your search.

*21st Century ROAD to Housing Act, Effective July 11, 2026.

09/15/2026

A lot of investors assume their loan has strings attached when it comes to how they use the property. With Investor Plus, that's not the case.

👀 Can I put less than 20% down? Yes.
🤔 Can I use it as a short-term rental? Yes.
🤝 Is mortgage insurance required? Not on single-unit properties.

Investor Plus was built for the way investors actually want to operate. Let's talk about whether it's a fit for what you're planning.

Note: Qualification is required. Additional restrictions apply. Program rates, terms and conditions are subject to change without notice.

09/14/2026

Buying a home isn't just about what works today. It's about creating a plan that still works for you years from now. When thinking about affordability, look beyond the first payment and consider how homeownership fits into your long-term goals.

09/11/2026

25 years ago, our nation changed forever.

We remember the lives lost, the courage shown by first responders, and the resilience of our people in the face of tragedy.

Today, we pause to honor their memory.

09/09/2026

When a seller is motivated, they're often open to more than just a price reduction. They may negotiate on closing costs. They may consider funding a rate buydown, which could lower your interest rate for the first one to three years of your loan. They may work with you on your timeline.
Seven consecutive months of falling asking prices nationally, means this isn't a blip. Sellers in this segment have been sitting longer than they expected. That's leverage for a prepared buyer.

The buyers winning right now aren't just finding the right home. They're structuring the right deal. DM me and let's talk about what that looks like.

Source: Realtor.com Monthly Housing Trends Report 2026.
Note: Market conditions vary. Seller concessions, buydowns, terms, and eligibility are subject to applicable guidelines.

09/07/2026

The best part of a day like today isn't the plans. It's not having any. Happy Labor Day. You earned it.

09/02/2026

National housing headlines don't always tell the whole story.

According to Zillow Research, starter-home inventory increased 4.5% year over year in June, while luxury-home inventory declined 5.2%.*

That could mean more options for some buyers searching at lower price points. Zillow also found that price cuts were more common among starter homes, with 25% of listings receiving a price cut in June. Market conditions can vary significantly by location, so what's happening nationally may look very different in your area.

Reach out to learn more about the inventory available in your area and price range.

*Source: Zillow Research, “Starter Homes Are Piling Up While Luxury Homes Fly Off the Market,” July 29, 2026. Starter homes are defined by Zillow as homes in the 5th–35th percentile of home values in a given region. Market conditions vary by location and are subject to change.

09/01/2026

The reason most people don't grow their investment portfolio isn't opportunity, it's capital. Every dollar tied up in a down payment is a dollar that can't go toward the next deal. Investor Plus was built for exactly that problem. As little as 10% down on an investment property, no mortgage insurance on single units, short-term rental eligible.

If you've been waiting until you have enough, let's figure out what enough actually looks like. DM me.

Note: For qualified borrowers. Additional restrictions apply. Must meet all loan program and borrower requirements.

08/31/2026

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

08/31/2026

4.87 star review received on Experience.com for Lorne Ricord by Lidia M - He was available any moment that I need and answer all my questions

Click to see all 135 reviews of Lorne Ricord, Senior Loan Officer