Rick Fernandez Mortgage Lender NMLS #136110

06/10/2026

Summer home shopping can move fast, and sellers often choose the offer that feels the most certain. Having your financing and budget clearly lined up can help you move with confidence when the right home pops up. Call me at 248.982.4440, or start your preapproval using my personal link → https://hubs.la/Q04ks22n0

06/03/2026

Not sure which loan option fits best? Conventional, FHA, and USDA can all be great paths to homeownership; it just depends on your budget, eligibility, and where you’re buying. If you want help comparing your options, call me at 248.982.4440, or start your preapproval using my personal link → https://hubs.la/Q04jysHF0

06/03/2026

Planning to buy in spring 2026? MSHDA loan programs make upfront costs much more affordable for many eligible buyers. Want to explore your options? Call me at 248.982.4440, or start your preapproval using my personal link → https://hubs.la/Q048G4130

05/29/2026

05/28/2026

Trying to buy a home with a lower down payment or more flexible credit requirements? FHA loans may offer an affordable path toward homeownership for qualified buyers. Learn more about the advantages of FHA loans:

Explore the advantages of FHA loans, including low down payments, flexible credit requirements, gift funds, and closing cost support.

05/25/2026

From all of us at Mortgage 1, Happy Memorial Day. We pause today to honor the brave service members who gave their lives for our freedom, and we hold their families in our thoughts.

05/24/2026

Learn what makes up cash to close, including your down payment, closing costs, prepaid expenses, credits, and what to review before closing.

05/21/2026

Before closing day, it helps to understand what makes up your final amount. Explore what goes into your cash to close and why that number can change during the mortgage process:

Learn what makes up cash to close, including your down payment, closing costs, prepaid expenses, credits, and what to review before closing.

05/20/2026

Conventional loans are a popular choice for many buyers because they offer more flexibility, like choosing your term length, down payment strategy, and how you want your monthly payment to feel. If you’re planning to buy this summer, start your preapproval using my personal link → https://hubs.la/Q04f-nNh0

05/13/2026

Ready to buy? When you’re planning your monthly mortgage budget, don’t forget to factor in other monthly expenses, like utilities, maintenance, HOA fees (if applicable), and homeowners' insurance. Keeping the full picture in mind can help you choose a payment that feels comfortable and sustainable long-term.

Have questions or want help figuring out what budget makes sense for you? Call me at 248.982.4440, or start your preapproval today → https://hubs.la/Q04f-n2n0