Roger Holly, Branch Manager - NMLS# 278653

11/02/2026

Rogerloans ~ Daily Real Estate Media

The Home Insurance Move That Could Save You $440 a Year

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.



Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/30/2026

Rogerloans ~ Daily Real Estate Media

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.



Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/29/2026

Rogerloans ~ Daily Real Estate Media

Don't Let the Fear of a Buyer Backing Out Scare You Away from Selling

What if you finally get an offer on your house... and then the buyer backs out?
It's every seller's nightmare. And with headlines about canceled contracts on the rise, it's a concern worth talking about.

But here's what those headlines aren't telling you: 85–90% of home sales still make it to closing.

And there's more good news. You can actually take steps to protect your sale before your house even hits the market.

According to a Redfin survey, 70% of agents say inspection or repair issues are a reason buyers back out. That's the biggest reason reported, by far.

So, what's one smart move you can make?

Consider getting a pre-listing inspection. It could help you spot potential problems early, decide what to fix, and avoid surprises that might send a buyer running.

And that's just one piece of the puzzle. The right preparation, pricing, and negotiation strategy can make a real difference.

Selling your house doesn't have to feel like a gamble. A little preparation can give you a much stronger start.

Thinking about selling? Send me a message, and let's talk about how to set your sale up for success.



Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/28/2026

Special thanks to Kimberlee Williams for trusting Sun West and me to finance the sale of her listing. Closed in 13 days!

Sun West and me swiftly closed your transaction. We aim to exceed your expectations and remain at your service.

Please call me at (844) 976-2103 with any scenarios or questions you may have. Best wishes for continued successes!

10/28/2026

Special thanks to Seychelle Turner for trusting Sun West and me to finance the purchase for her buyer. Closed in 13 days!

Sun West and me swiftly closed your transaction. We aim to exceed your expectations and remain at your service.

Please call or text me at (844) 976-2103 with any scenarios or questions you may have. Best wishes for continued successes!

10/28/2026

Rogerloans ~ Daily Real Estate Media

Who’s Buying Homes with Cash Right Now?

More than 1 in 4 homes are being bought with cash right now. But here's something that might surprise you about who's buying them.

It's not just wealthy investors swooping in with deep pockets.

A lot of these cash buyers are everyday homeowners who've built up serious equity over the years. And that equity is giving them more buying power than they may have ever imagined.

According to Cotality, the average homeowner with a mortgage has about $310,000 in equity.

Think about what that could mean for your next move.

You might have enough equity to buy your next home outright. No mortgage payment. No worrying about today's interest rates.

And even if you can't pay all cash, that equity could help you borrow significantly less.

But what if you're buying with a mortgage?

Here's some good news: Nearly 3 out of 4 homebuyers are still using financing. You're actually in the majority.

So don't let the headlines about cash buyers make you second-guess what's possible for you. Whether you're buying your first home or using equity to make your next move, there may be more opportunities than you think.

Wondering how you stack up in today's market? Send me a message. Let's talk about your options.



Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/27/2026

🏡 Building a home can involve a lot of moving parts.

A Single Close Construction Loan combines the lot purchase, construction financing, and permanent mortgage into one closing. 🔨🏠

📞 Contact me at (844) 976-2103 / (800) 364-6102 to learn more!

On an FHA 30-year fixed rate purchase with loan amount $392,755 (at 96.5% Loan-to-Value [LTV] with 3.5% down payment and FICO 720), at an interest rate 8.5% with $11,056 discount points (Annual Percentage Rate: 9.698%), you will be required to make 360 equal monthly payments of $3,019.95 (which includes principal and interest only, so your actual payment, including taxes, insurance, and other property charges, will be higher). The rates are effective as of 07/09/2026 08:53 a.m. PT and may be subject to change without notice.

10/26/2026

🏡 3 in 5 U.S. homes sold below their original asking price in August 2026.

That shift gives buyers more opportunities to negotiate as market conditions evolve. 💡

📞 Contact me at (844) 976-2103 / (800) 364-6102 to learn more!

Source: Redfin

10/26/2026

Rogerloans ~ Daily Real Estate Media

Why Builders May Be More Motivated To Sell Than Homeowners

Pending home sales just dropped 11.3% compared to last year. But what if that slowdown could actually help you get a better deal on a brand-new home?
Here's why that matters.

When the market slows, homeowners and builders don't always react the same way.

A homeowner who isn't getting the offers they want can decide to stay put and wait. But builders? They've already invested in houses they need to sell. And every completed home that sits unsold costs them money.

That can make builders more motivated to negotiate. And the numbers prove they're already making moves.

According to the National Association of Home Builders, 65% of builders are offering incentives, and 43% are cutting prices. The typical reduction? 6%.
For buyers, that could mean serious savings. Think lower prices, help with closing costs, or even a better mortgage rate.

And the biggest opportunities may be hiding in brand-new homes that are already built and waiting for buyers.

So, before you rule out new construction, let’s see which builders in our area may be ready to negotiate.



Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/23/2026

Rogerloans ~ Daily Real Estate Media

Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

Today's market has more options than many people realize. Finding the right one could be as simple as getting more information about tools like ARMs. A trusted lender can run the numbers with you, walk you through the what-ifs, and help you explore the possibilities.

Is an ARM a good option for you? Talk to a loan officer to find out.



Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

When mortgage rates climb, buying a home can start to feel like trying to hit a moving target. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for another way in.