Armstrong Mortgage NMLS 2444347 - Michael Armstrong NMLS 1623098

Armstrong Mortgage NMLS 2444347 - Michael Armstrong NMLS 1623098 I am engaged to my beautiful fiancé, Olivia. We are set to get married in 2022. We have a sweet Golden Retriever named Oakley.

As a Mortgage Broker in Carmel, Indiana, we strive to offer you the ideal financing solution for your mortgage needs to save you money and making the process as easy as possible. Olivia and I enjoy attending concerts, sporting events, playing golf, grilling or going on adventures to try something new. She loves playing fetch or snuggling in the evening. We appreciate your support in choosing us to help buy your next home!

09/09/2026

FHA Loans: How They Work
I’m often asked about current HELOC and home equity loan rates, so here’s a quick update from my desk at Armstrong Mortgage in Carmel. For those considering tapping into their home’s value, a $100K HELOC at roughly 60% loan-to-value has been holding steady in the low-7% range recently—no major day-to-day changes, and about the same over the past few weeks. Meanwhile, a $500K, 30-year home equity loan at a similar LTV has stayed near the high-7% mark, just a bit above previous weekly averages but still consistent.

It’s important to remember: a HELOC gives you variable-rate, revolving access to your equity, while a home equity loan is a fixed-rate lump sum—each option fits different needs. Pricing can shift based on factors like your loan amount, LTV, repayment term, credit profile, and full financial picture, so it’s smart to compare offers carefully. Many folks use HELOCs for home improvements, while larger or longer-term loans can be a fit for bigger renovations, consolidating debt, or long-term investments with lower payments. If you’re weighing your options, it helps to work with someone who makes mortgage decisions every day—happy to share what I’m seeing in the market.

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09/08/2026

The Home Equity Opportunity Is Back. Can Your Operations Keep Up?
Home equity lending is making waves again—homeowners pulled out $47B in home equity during Q1 2026, a peak not seen since 2021. Second liens and HELOCs are popular choices, but from my experience at Armstrong Mortgage, I see how manual processes can slow lenders down and frustrate borrowers. Embracing automation isn’t just about efficiency—it can cut processing time by 77%, creating smoother experiences and higher conversion rates. In today’s fast-moving market, optimizing operations is essential for both clients and brokers.

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09/07/2026

United States: How USDA Loans Work
As someone who’s worked in mortgages since 2017, I’ve seen firsthand how homebuyers without access to traditional loans often turn to alternative financing—like land contracts. Recent research notes that 715,000 land contracts are currently recorded across the country. These are especially common for buyers of lower-cost homes, manufactured housing, rural properties, or older places that need work—situations where qualifying for a standard mortgage can be tough. But here’s the thing: while land contracts might offer a path to ownership, they often come with fewer legal protections for buyers. Researchers found that when mortgage access improves, buyers rely less on these riskier routes. Solutions could include making small mortgages more available, updating the way manufactured homes are titled, and expanding renovation lending—helping more people qualify for safer, more secure financing. Since land contracts aren’t going away anytime soon, there’s a clear need for stronger recording rules and better buyer protections. In my experience, the right financing makes all the difference in setting buyers up for long-term success.

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09/06/2026

Happy Labor Day!
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09/06/2026

First-time homebuyers could soon get a new way to find $35,000 for a down payment
Let’s connect and talk about the latest insights in the industry! #1623098 #2444347

How to Get a Lower Mortgage Rate: 10 TipsWith the Fed’s recent rate cut, many are wondering how to take advantage of the...
09/05/2026

How to Get a Lower Mortgage Rate: 10 Tips
With the Fed’s recent rate cut, many are wondering how to take advantage of the opportunity to secure a lower mortgage rate. Over the years helping clients in Carmel and beyond, I’ve seen firsthand how steps like improving your credit score, increasing your down payment, and shopping around for lenders can really make a difference. Considering refinancing or looking into government-backed loan options are also smart moves to explore. Whether you’re buying your first home or thinking about a refinance, a little strategy goes a long way toward making those numbers work in your favor.

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https://www.roomvu.com/agent-news/michael-armstrong-1/526028-How-to-Get-a-Lower-Mortgage-Rate%3A-10-Tips

09/03/2026

US Jumbo Mortgage Options Explained
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09/02/2026

Reverse Mortgages: Should Retirees Consider One?
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Carmel, IN

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