Kelvin Carvana

02/26/2026

Ever feel like the market is playing Trading Places? 💰🏙️

When rates shift, buyers shift. When buyers shift, opportunity shifts. Right now, smart buyers understand something important — you can always refinance a rate… but you can’t refinance the purchase price.
Markets reward strategy, patience, and timing — not fear.
Buy Now (Higher Rate)

Purchase price: $500,000 (2023)
10% down ($50,000)
Loan: $450,000
Interest rate: 7.5%
Payment (principal & interest): ≈ $3,147/month
Now assume the home appreciates at 4% annually.
After 3 years: (2026)
Home value ≈ $562,000
You gain ≈ $62,000 in appreciation
You’ve also paid down principal (~$12,000–$15,000 approx.)
Total equity ≈ $74,000+ (not counting original down payment).
Now rates drop to 5.5%.
You refinance:
New loan ≈ $430,000–$440,000
New payment ≈ $2,500–$2,600/month
Lower payment + captured equity.

If you’re thinking about making a move in 2026, let’s talk through the numbers and build a plan that works for you.

Kelvin L. Carvana
NMLS #698680
📱 202.422.3947
🌐 https://dcmortgagepath.com/

📧 [email protected]

Go Rascal Inc NMLS #2072896
https://gorascal.com

02/25/2026

VA RENOVATION LOAN
The VA Renovation Loan allows eligible veterans and active-duty service members to purchase a home that needs repairs and roll renovation costs into one loan with a single closing and one monthly payment. Qualified borrowers can finance up to 100% of the after-improved value with Zero Down and renovation budgets up to $50,000.00 (subject to lender approval).

Covered improvements include roofing, HVAC, plumbing, electrical, accessibility modifications, insulation, windows, kitchens, and baths, all of which must be completed by a licensed, VA-approved contractor—no DIY work permitted. Repairs typically begin within 30 days of closing and are completed within approximately 120 days, with funds distributed through a structured draw process.

Kelvin L. Carvana NMLS #698680
202.422.3947
https://dcmortgagepath.com/
Go Rascal Inc NMLS #2072896
https://gorascal.com

202.422.3947
https://dcmortgagepath.com/

02/18/2026

Asset Depletion loans are perfect for buyers with strong assets and reduced reported income. Own the beach house without W-2s, tax returns, or crazy rates. If your balance sheet is solid, there’s another way to finance your second home.

Retiring soon? No W-2s. No tax returns. No problem. This is a traditional bank loan backed by Fannie Mae and Freddie Mac — and if the bank says “not enough income,” your assets may tell a different story.

02/05/2026

3% Closing Cost Assistance for Veterans 🇺🇸

VA Home Loans in Washington, DC

Are you a veteran looking to buy a home in Washington, DC? You may be eligible to use your VA home loan benefits and combine them with DC’s 3% closing cost assistance program.

This can help qualified buyers:
Reduce upfront closing costs
Buy with little to no money out of pocket
Take advantage of VA loan benefits designed for veterans.

Call: Kelvin Carvana, Mortgage Loan Officer with GoRascal, specializes in helping veterans understand their VA loan options in DC - www.dcmortgagepath.com - 202-422-3947

01/27/2026

🇺🇸 VA Home Loans in Washington, DC | 3% Closing Cost Assistance for Veterans 🇺🇸

Are you a veteran looking to buy a home in Washington, DC? You may be eligible to use your VA home loan benefits and combine them with DC’s 3% closing cost assistance program.

This can help qualified buyers:

Reduce upfront closing costs

Buy with little to no money out of pocket

Take advantage of VA loan benefits designed for veterans

Kelvin Carvana, a U.S. military veteran and Mortgage Loan Officer with GoRascal, specializes in helping veterans understand their VA loan options in DC—clearly, honestly, and without pressure.

01/22/2026

My Mission: Your Homeownership Success
As a dedicated mortgage loan officer with GoRascal, I bring years of experience and a deep passion for helping families achieve their homeownership dreams. My commitment goes beyond just processing loans – I'm here to be your trusted advisor throughout the entire home buying journey.

Let's connect: Kelvin - 202-422-3947

Navigate your mortgage options in Washington D.C. with Kelvin Carvana. Expert guidance, competitive rates, and personal service.

01/07/2026

💥 Veterans: Save Big on Your VA Loan This January! 💥

🏡 Why January?

Property taxes are usually paid in December in Maryland. When you refinance your VA loan, your lender doesn’t need to collect that large tax payment upfront, which lowers your closing costs. Your monthly payment is focused on principal & interest.

💸 Every Point Counts

Every reduction in your interest rate equals monthly savings. (Taxes & homeowner insurance not included.)
Example 1 – Original Loan vs. Refinance



Loan Type Original 30-Year Fixed

$550,000 - 6.785% / 7.034% APR - $3,614

VA 5/1 ARM (30-Year Amortization)

$550,000 - 4.750% / 5.329% APR - $2,904

Savings $710/mo → $8,520/yr

✅ Lower closing costs
✅ Immediate monthly savings
✅ Perfect timing in January!

Example 2 – Visual Quick Comparison:

Old: $3,614/mo @ 6.785%
New: $2,904/mo @ 4.750%
You Save: $710/month → $8,520/year

📩 Message me today to see how much YOU could save on your VA loan!

🏡 Fair Housing | NMLS #688680

(Taxes & homeowner insurance not included in the examples. Rates subject to change.)

Kelvin L. Carvana NMLS #698680
202.422.394
https://dcmortgagepath.com/
[email protected]
Go Rascal Inc NMLS # 2072896 https://gorascal.com

12/25/2025

Merry Christmas Everyone :) Sending each of you a prayer for peach and happiness.

12/22/2025

Wishing you a very Happy Holiday Season. May you find joy, faith and love in each moment.