Bernie Tomei - NMLS 350615

10/10/2026

Still loving these old videos from when Mackenzie tried managing our business TikTok page. Message hasn’t changed - still here to answer any questions 📞

10/08/2026

Found your dream home in TN🏡 but haven’t listed your current home yet?
You’re not alone. This is the #1 thing I hear from families making the CA → TN move. Your equity is tied up in California, the perfect house is in Tennessee, and nobody wants to write a contingent offer from 2,000 miles away, or move twice.
Here are 4 ways to buy your Tennessee home BEFORE you sell in California:
✅ Use your CA equity for your TN down payment
✅ Avoid carrying two house payments
✅ Make a stronger, non-contingent-style offer
✅ Move once, then sell your CA home without the rush
I’m licensed in both California and Tennessee, so I can look at both sides of your move. Every option has real costs, and I’ll walk you through every number up front. If waiting makes more sense, I’ll tell you that too.
📲 DM me and let’s come up with your game plan.

Bernie Tomei | Mortgage Advisor | NMLS 350615
(408) 893-7939 | [email protected]
United American Mortgage Corporation NMLS 1942 | Equal Housing Opportunity
NashvilleHomes BrentwoodTN BuyBeforeYouSell

10/08/2026

10/07/2026

Want to move, but stuck on “not yet”? 🕕
For most homeowners, the hard part isn’t deciding to move. It’s the order. Sell first, and where do you live in between? Buy first, and can you carry two payments? Write a contingent offer, and it often loses.
The good news: there are 4 ways to buy your next home BEFORE you sell, so you move once
and make a stronger offer. ➡️ Swipe to see which one fits you.
Every option has real costs, and I’ll walk you through every number. If staying put makes more sense, I’ll tell you that too.
💬DM me “PLAYBOOK” and let’s set up your game plan.
Bernie Tomei | Mortgage Advisor | NMLS #350615
United American Mortgage Corporation NMLS #1942
Equal Housing Opportunity
NashvilleHomes WilliamsonCounty
RocklinCA MoveUpBuyer BridgeLoan MortgageTips HomeEquity

09/17/2026

Just because the calculator (or lender) says you CAN, doesn’t mean you SHOULD.

A mortgage approval looks at income, debts, credit, and assets. But it doesn’t see if you have kids in travel sports, vacations you want to take, a preference for good w**e, or a life you don’t want to put on pause just because you bought a house.

Your home should fit your life - not the other way around. That’s why I don’t ask “what purchase price are you shopping in?”, I ask “what payment lets you buy the home you want AND live the life you love?”

Work with a lender who builds a mortgage around you, not the calculator.

Save this if you’re thinking about buying a home - or send it to someone who needs to hear this.

Bernie Tomei | NMLS 350615 | United American Mortgage Co | NMLS 1942

09/16/2026

A 2/1 buydown can sound almost too good to be true…
And that’s because there’s an important detail many buyers don’t realize:
The lower payment is temporary.
With a 2/1 buydown, your interest rate is reduced by 2% in the first year and 1% in the second year. Then, beginning in year 3, your payment is based on the full note rate.
The good news? If a seller or builder is offering concessions, a 2/1 buydown can be one way to use those funds to reduce your payment during the first two years of homeownership.
But before choosing one, I’d want to see how it compares with your other options.
Should the seller credit go toward:
🏠 A 2/1 buydown?
💰 Closing costs?
📉 A permanent rate reduction?
💵 Or something else?
There isn’t a one-size-fits-all answer.
The important part is looking at the numbers before you get to the closing table.
Save this post for later—and if you’re buying, send it to your lender and ask them to run the comparison for you.
Bernie Tomei NMLS 350615 I United American Mortgage Co NMLS 1942

09/11/2026

🩺 Doctors, PAs, NPs, Dentists - This ones for you!

You spent years training to take care of everyone else. Now let’s take care of YOU (and your home goals!)

Whether you’re interning, in the middle of residency, or starting a fellowship, this program was designed to work with your income timelines - not against it.

Save this for later. Send this to a doctor, nurse, or medical professional who’s thinking about homeownership. Or drop a 🏠 in the comments if you want to see if you qualify.

09/10/2026

3 years ago, Mackenzie asked if she could run my business TikTok page. We agreed she’d make $50 per video but would have to put half into savings (in hindsight, I really should have had her start her IRA then!).

I quickly realized I actually didn’t want my 10 year old on TikTok. But for the few weeks she was on there, we did get a couple of cute gems and this one recently popped up on my phone memories and is too cute to not share!

09/08/2026

There are some things you can absolutely wait until the last minute to figure out. Your mortgage probably shouldn’t be one of them 😉 Talking to a lender before you start seriously shopping doesn’t mean you have to buy tomorrow. It just means you know your numbers, understand your options, and can shop with confidence when the right house does come along. Because finding your dream home is exciting! Finding out afterwards that the numbers don’t work? Not so much ☹️ If you’re on the fence or have questions, I’m a quick call, email, or DM away. | Bernie Tomei | NMLS 350615 | United American Mortgage | NMLS 1942

09/08/2026

Today’s Mortgage Report | September 8

30 Year Conventional: 6.494%
15 Year Conventional : 5.830%
30 Year FHA: 6.125%
30 Year VA: 6.125%

The question is just “where are rates today?” It’s “what does today’s market mean for YOUR situation?”

We’re also showing a market recap for Franklin, TN and Placer County.

If you’re thinking about buying, refinancing, or simply want to know what your options look like, let’s chat!

Bernie Tomei | NMLS 350615 | United American Mortgage Co | NMLS 1942