James Borges- Elev8 Mortgage Broker

05/13/2026

There’s no bigger compliment than a Realtor trusting me with their client.
Because once they send that buyer my way, I know what’s at stake.

The numbers.
The timeline.
The communication.
The confidence.
The trust.

I’ll tell you this…

I’m going to make you proud. 😉

05/12/2026

Nothin more enjoyable than watching your boys do what they love!!

05/11/2026

A perfect Mother’s Day weekend celebrating the one who means the most. Thankful for the love, laughs, memories, and everything you do for our family. ❤️

05/08/2026

Proud of both boys and the incredible baseball season they’ve had. Hard to believe it’s coming to a close with just one more week left. Hoping they finish strong and maybe punch that playoff ticket. ⚾️💪

05/05/2026

Happy Cinco De Mayo!!

05/01/2026

Mortgage rates aren’t set in isolation, they’re influenced by economic factors around the world. Conflicts, military spending, and shifts in oil prices can impact inflation and borrowing costs, which in turn can move rates up or down. While you can’t control global events, staying informed helps you make confident decisions. I can help you understand how current market conditions may affect your homebuying options.

04/27/2026

You finally find the house.

The one you’ve been searching for all weekend.
The layout is perfect. The kitchen is exactly what you wanted.
You can already picture where the couch goes.

Then a surprise shows up.

Not with the home itself.
With the paperwork tied to it.

A lot of buyers do not realize that certain liens can stay attached to the property until they are cleared.

That can create delays, extra stress, or closing issues no one saw coming.

This is exactly why the title search matters.

Before closing, the title company checks the property history to uncover problems like mortgage liens, tax liens, or court judgment liens so they can be resolved before the home officially changes hands.

It is one more reason buying a home is not just about finding the right house.
It is also about making sure the path to closing is clean.

Save this so you remember it before buying. Share with someone who needs to know!




#[state]mortgagelender

04/23/2026

A lot of buyers still assume 20% down is automatically the smartest move.

But when you actually look at the numbers, it gets interesting fast.

On a $400,000 home, the difference between 20% down and 3% down is $68,000 upfront.

That is a huge chunk of cash.

Meanwhile, the monthly payment difference here is only about $57.55 per month.

For some buyers, giving up an extra $68,000 just to save about $58 a month may not feel like the best trade.

Because that money could stay in your account.
It could go toward updates after closing.
It could help cover repairs, furniture, moving costs, reserves, or even be invested.

That is why this conversation matters.

Sometimes the smartest move is not putting the most money down.
Sometimes it is keeping more flexibility after you buy.

This is not one-size-fits-all advice.
But it is a reminder that bigger down payment does not always mean better strategy.

Contact me today and I’ll help you look at both

04/21/2026

04/17/2026

Whether you’re buying a home or refinancing, the appraisal plays a key role. For buyers, it provides an objective assessment of the home’s market value, helping confirm the purchase price is fair and giving lenders confidence the property supports the loan.

For refinances, it determines how much equity you have and helps ensure you don’t borrow more than the home is worth. A licensed appraiser evaluates condition, features, location, and comparable sales, so a little prep matters if you’re getting an appraisal for a refi. Boost curb appeal, declutter and refresh paint, test systems, and share a list of upgrades to help put your best foot forward. mortgageintheknow