Ely Mencia - Mortgage Broker / nmls# 2222529

06/15/2026

The first property is rarely the dream property. It is the one that makes the dream property possible. The buyers who understand that early tend to approach the first purchase differently. Less focused on perfect. More focused on what this property does for their position over time. What equity could potentially build. What options it could open up. That shift in thinking changes the entire conversation about what to look for and what to prioritize. DM to explore your options today. We will walk through your specific situation and talk through what your first purchase could potentially look like from a strategy perspective.

06/11/2026

You know the one. The street you take the long way home just to drive through. The neighborhood you pull up on listing sites at 11pm even though you told yourself it is out of reach. The open house you almost went to three weekends in a row. You have not let yourself consider it seriously yet. Maybe it is the price point you have in your head. Maybe someone told you it was not realistic. Maybe you just have not had the conversation that would give you an honest answer. That conversation is shorter than you think. Most people who come to me having already decided something is out of reach leave with a much clearer picture of what their options actually look like. Sometimes the timing is not right. Sometimes it is closer than they expected. Either way they know. And knowing changes everything. DM me the word READY. We will walk through your specific situation and what you may qualify for. The neighborhood is not going anywhere. Neither am I.

06/03/2026

A quick reminder of things that will not move the needle on your mortgage application. Your horoscope. The Fed announcement your dad screenshotted and texted you at 7am. What rates did in 1987. Your neighbor’s opinion on the market. The article your coworker sent that was written by someone who has never actually closed a loan. None of it. What actually matters is specific to your situation. Your income. Your credit. Your assets. Your timeline. The details that are unique to you and nobody else. That is the conversation worth having. Not financial advice. Just a reminder that the right information is one conversation away. DM me and let’s talk through what actually matters for your specific situation.

05/29/2026

My Top 5 Horror Movies

05/27/2026

Right now, are you more: “We should buy soon,” “Let’s keep renting for now,” or “I go back and forth daily”? That last one is where a lot of smart people sit—usually because the idea of buying feels bigger than the actual math. Most hesitation isn’t commitment issues. It’s not knowing what the payment would be, how much cash you’d need, or if it even makes sense for your timeline. Once those pieces are clear, people tend to get decisive fast. DM me MOVE if you want to run the real numbers. 🏡

05/26/2026

Born to help people buy the dream home. Forced to explain why the payment is not the listing price. This is one of the biggest surprises for buyers. The home price gets all the attention, but monthly payments are built from more than that—taxes, insurance, HOA dues (sometimes), and how your financing is structured all matter. That’s why smart buyers shop by payment, not just price. It keeps the dream home fun after closing. DM me PAYMENT if you want to know what your real numbers could look like.

05/26/2026

Things That Don’t Affect Your Mortgage Application
A quick reminder of things that will not move the needle on your mortgage application. Your horoscope. The Fed announcement your dad screenshotted and texted you at 7am. What rates did in 1987. Your neighbor's opinion on the market. The article your coworker sent that was written by someone who has never actually closed a loan. None of it. What actually matters is specific to your situation. Your income. Your credit. Your assets. Your timeline. The details that are unique to you and nobody else. That is the conversation worth having. Not financial advice. Just a reminder that the right information is one conversation away. DM me and let's talk through what actually matters for your specific situation.

05/21/2026

Pre-Approval

05/20/2026

Big kitchens. Open layouts. Bonus rooms. It happens fast. But square footage is easy to love before the monthly payment enters the chat. That’s why I like to introduce the numbers early. Saves everyone time and heartbreak. DM me NUMBERS if you’re browsing seriously. 🏡

05/19/2026