Diana McGurk NMLS 377018

09/09/2026

🏡 BIG FANNIE MAE UPDATE: DEPARTING RESIDENCE RULES HAVE CHANGED!

When a borrower decides to rent their current primary residence instead of selling it, the conversation is no longer:

“Do you have a lease?”

Under Fannie Mae’s new departing-residence guidelines, a lease agreement cannot be used to establish the rental income.

Instead, the market rent may be documented through:

🔹 A complete appraisal that includes market rents
🔹 Form 1007
🔹 A market analysis using Zillow, Redfin, MLS or another acceptable tool—with at least three comparable rental properties

Here’s how the qualifying calculation works:

Market rent: $3,000
75% of market rent: $2,250
Departing-residence PITIA: $2,000
Result: $250 positive

That positive amount may only offset the property’s PITIA—it cannot be added as additional qualifying income.

If the PITIA were $2,500, the result would be a $250 loss, which must be included in the borrower’s debt-to-income ratio.

⚠️ One more important requirement:

When the borrower has less than 12 months of property-management experience, six months of reserves for the departing property’s PITIA are required—in addition to any other applicable reserve requirements.

The new policy may be implemented now and becomes mandatory for loan applications dated November 1, 2026, or later.

If you’re working with a buyer who wants to keep and rent their current home, let’s review the scenario early. The market rent—not a new lease—may determine whether the numbers work.

📞 310-986-1901
Diana McGurk | EZ Fundings
NMLS #337018 | Company NMLS #1156892

RentalIncome HomebuyerTips MortgageEducation RealEstateTips LoanOfficer RealtorEducation EZFundings

09/04/2026

09/04/2026

🇺🇸 I’M AVAILABLE THIS LABOR DAY WEEKEND!

Although Monday is a holiday, I’m making myself available throughout the weekend and on Labor Day.

Whether you have questions about home financing, need an updated preapproval, or would like to review different loan options, please feel free to call, text, or email me. I’m here and happy to help! 🏡

Have a safe and wonderful Labor Day weekend!

Diana McGurk | EZ Fundings
NMLS #337018 | Company NMLS #1156892

HomeFinancing MortgageQuestions Preapproval Homebuyers EZFundings DianaMcGurk

09/01/2026

🏡 BUYING BEFORE YOUR CURRENT HOME SELLS?

A departing residence does not always have to be sold—or counted in the borrower’s debt-to-income ratio—to keep a new purchase moving forward.

With select Alt-Doc programs, the departing residence obligation may be excluded when:

✨ The property is under contract, all contingencies have been cleared, and closing is scheduled within 30 days; or

✨ The property is listed—or the borrower intends to list it within 90 days—and the borrower has at least 20% documented equity.

Additional reserves may be required depending on the property’s estimated marketing time.

Available programs may include:

• Bank Statement
• P&L Only
• 1099 Only
• W-2 Only
• Asset Depletion
• Asset Qualifier
• One-Year Tax Return
• And more

For qualifying owner-occupied borrowers, Community Mortgage has no DTI calculation—meaning an unsold departing residence may not prevent the borrower from moving forward.

Have a strong borrower who does not fit traditional financing guidelines? Let’s review the complete scenario and find the right path forward.

📩 Send me a message to discuss your borrower.

Diana McGurk | EZ Fundings

BankStatementLoan NonQMLoans RealEstateProfessionals Homebuyers EZFundings

Program availability and guidelines are subject to change. Additional restrictions and conditions may apply. Not a commitment to lend.

07/22/2026

💼 Self-employed? Qualifying for a mortgage may be easier than you think.

One of the biggest misconceptions I hear is:

“I can’t buy a home because I’m self-employed.”

The truth is, traditional tax returns aren’t the only way to qualify.

Depending on your situation, there are loan programs designed specifically for:
✔️ 1099 earners
✔️ Independent contractors
✔️ Freelancers
✔️ Consultants
✔️ Business owners
✔️ Gig economy professionals

These programs can use alternative methods to document income, helping many qualified borrowers achieve homeownership when conventional financing may not be the best fit.

Every borrower is unique, which is why it’s important to explore all of your financing options before assuming you don’t qualify.

If you’re self-employed and wondering what’s possible, let’s have a conversation.

📞 310.986.1901
🌐 ezfundings.com/diana

Helping you finance your home with confidence.

BusinessOwner IndependentContractor Freelancer HomeLoans HomeBuying CaliforniaMortgage RealEstate MortgageLoanOfficer FirstTimeHomeBuyer DianaGomezMcGurk Homeownership

07/22/2026

☀️ Ever wonder why summer is one of the busiest seasons in real estate?

It’s not just because the weather is nice.

Summer offers several advantages for both buyers and sellers:

🏡 Families can move before a new school year begins.
🌤️ Better weather makes home shopping and moving much easier.
📈 Increased buyer activity can create more opportunities for sellers.
⏰ Longer daylight hours mean more time for showings and house hunting after work.

Whether you’re buying your first home, upgrading, downsizing, or selling, understanding seasonal market trends can help you make more informed decisions.

Every market is different, and timing is just one piece of the puzzle. The most important question is whether the move is right for you.

If you’re thinking about buying or selling this year, I’d be happy to help you explore your options and create a plan that fits your goals.

📞 310.986.1901
🌐 ezfundings.com/diana

SummerRealEstate CaliforniaRealEstate RealEstateTips MortgageTips FirstTimeHomeBuyer MoveWithConfidence DianaGomezMcGurk Homeownership RealEstateEducation

07/16/2026

📊 IG Caption #1 – NAHB Home Builder Sentiment

🏗️ Builder confidence remains cautious—but the opportunity is still there.

The latest NAHB Home Builder Sentiment Index came in at 34, indicating builders are still navigating higher costs, affordability challenges, and market uncertainty.

What does that mean for buyers?

✔️ Builders may continue offering incentives.
✔️ Rate buydowns and closing cost assistance are still available on many new construction homes.
✔️ Less competition can create opportunities to negotiate.

A changing market doesn’t mean you should wait—it means you should have the right strategy.

Every buyer’s situation is different, and understanding your financing options can make all the difference.

📩 Thinking about buying a home this year? Let’s create a plan that works for you.

HomeBuilder MortgageTips RealEstate

📈 Pending home sales slowed—but that doesn’t tell the whole story.

The Pending Home Sales Index declined in June, reflecting that many buyers are still adjusting to today’s interest rates.

But here’s what many people overlook…

When buyer activity slows:

✅ Sellers are often more willing to negotiate.
✅ More homes stay on the market longer.
✅ Buyers may have more choices and leverage.

Waiting for the “perfect” market can sometimes cost more than buying in a market where you have negotiating power.

The key isn’t trying to time the market—it’s making sure your financing strategy fits your goals.

If you’re wondering whether now is the right time to buy, I’d be happy to walk you through your options.

📲 Send me a message anytime.

07/14/2026

Some loans are just business.

This one was personal. ❤️

Helping my best friend—my sister by choice—buy her home was one of the greatest honors of my career.

Finding the right loan wasn’t just about numbers or interest rates. It was about helping someone I love make one of the biggest financial decisions of her life with confidence.

Moments like this remind me why I’ve been in this profession for over 20 years.

I don’t just help people finance homes.
I help them move into the next chapter of their lives.

Congratulations, my beautiful friend. May your new home be filled with laughter, love, peace, and countless wonderful memories. Thank you for trusting me to be a small part of this incredible milestone. ❤️🏡

If you’re thinking about buying a home, I’d be honored to help you find the loan that’s right for you, too.

📞 310.986.1901

GratefulHeart WomenSupportingWomen BestFriends MortgageExpert EZFundings CaliforniaMortgage DreamHome LoanOfficer Homeownership Thankful