Fred Wit Mortgage Loan Originator NMLS #85202 NEXA Lending

09/07/2026

08/28/2026

Check out your neighborhood Open Houses this weekend!

08/26/2026

🏡 Could a 40-year mortgage be the option you need?

08/21/2026

It's easy to scapegoat giant property investors, but they own just 1-3% of single family homes. Our affordability crisis has more to do with supply than demand, and local housing regulations that slow permitting, raise construction costs, and frustrate increased housing density are more culpable than Blackstone or Invitation Homes.

08/17/2026

A home price-to-income ratio of 4.5 means a housing market is moderately unaffordable. In plain terms, it means the typical home in the US costs 4.5 times the typical household's annual income. Compared to the rest of the world, we're not doing too bad. Contact me to find out how much home you can afford.

08/14/2026

A low mortgage rate is great – but it’s only part of the picture. Your blended rate reflects all your debt, including credit cards, auto loans, and Buy Now, Pay Later balances. Even with a low mortgage rate, higher-interest debt elsewhere could be costing you more than you realize. Want to see the full picture and explore smarter strategies? Let’s talk.

08/10/2026

Sometimes small issues can become major home expenses. If a leaky roof or home improvement is on your to-do list, give me a call. Let’s look at financing options that may help make it manageable.

08/03/2026

Did you know a temporary rate buydown could potentially make your initial mortgage payments more affordable? Reach out today to see how you could get the flexibility you need in the early stages of your loan.

07/31/2026

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on your remaining loan balance, reducing that balance faster can lower the total interest paid throughout the life of the loan. Some homeowners make one extra payment each year, while others add a small amount to their monthly payment. The right strategy depends on your goals, cash flow, and other financial priorities, but understanding your options can help you make more informed decisions about managing debt and building wealth.

07/27/2026

Whether you're ready to purchase or refinance your home, don't let the closing process disrupt your summer vacation. Give me a call to see how you could close from just about anywhere.