Kendra Lamanna NMLS 1496814

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10/07/2026

One of the most common questions I am hearing right now: should I buy today or wait until mortgage rates come down?

It is a completely reasonable question and the honest answer is more nuanced than most people expect.

Here is the challenge with waiting. When rates improve more buyers typically jump back into the market. More buyers means more competition. More competition can push prices higher. So the lower rate you waited for may come with a higher purchase price that offsets some or all of the payment savings you were hoping for.

There is no perfect moment that makes buying feel effortless. There is only the moment when the numbers and your goals align for your specific situation.

The more useful questions to ask are not about where rates are going next. They are: does this monthly payment fit my actual budget comfortably? Is this the right home for my family right now? Does buying today make sense given where I am in life?

The best time to buy is not always when rates are at their lowest. It is when the payment works, the home fits, and the decision aligns with your goals.

If you are trying to figure out whether now is the right time for your situation reach out and let's look at the real numbers together.

10/06/2026

Twenty percent of listings just cut their price. That is the highest we have seen in years and it changes everything for your buyers this fall.

Rates are back above 7 percent which scared off the casual shoppers and left your serious buyers with real negotiating power. Inventory is nearly back to pre-pandemic levels so buyers actually have choices again. Sellers are saying yes to concessions, buydowns, and closing cost help. And with contract cancellations at their highest since 2022 prepared backup buyers are winning homes right now.

Here is how your buyers win in this market.

A smart buydown strategy can turn today's payment into tomorrow's refinance win. Reframe the conversation around payment instead of rate. Reframe it around opportunity instead of fear.

The agents who win this season are the ones having that conversation right now while everyone else waits for perfect conditions that are not coming.

If you have buyers sitting on the sidelines send them my way. I will run the numbers that get them off the fence.

5.0 star review received on Experience.com for Kendra Lamanna by Sara R - Working with Kendra was an absolute pleasure f...
10/03/2026

5.0 star review received on Experience.com for Kendra Lamanna by Sara R - Working with Kendra was an absolute pleasure from start to finish. Her communication was exceptional throughout the entire process, and she kept us informed every step of the way, all the way to the closing table. What made the experience even more special was connecting with another New Yorker—one NYer to another! She understood where we were coming from and made the entire process feel comfortable, seamless, and personal. We couldn’t have asked for a better experience!

Read more: https://experience.com/reviews/kendra-lamanna-449045/595e04ac-7867-4391-81cd-f47894e8256e?V=1791047833&utm_source=facebook&utm_medium=autopost&utm_content=13713247

09/23/2026

The Fed just made a move on interest rates. Does that mean mortgage rates went up too?

Not necessarily. And this is probably one of the biggest misconceptions I hear in real estate.

The Fed raised its rate by a quarter of a percent this week. But that does not mean mortgage rates automatically moved up by a quarter of a percent as well. Here is why. The Fed controls a short-term interest rate. Mortgage rates are longer-term and are influenced much more by inflation, the economy, and what is happening in the bond market.

So when you hear the Fed raised rates do not automatically assume mortgage rates did the exact same thing.

What we really want to watch is the bigger picture. If inflation continues to move in the right direction and investors gain more confidence about where the economy is headed that can eventually create a healthier environment for mortgage rates over time.

And if you are thinking about buying a home here is the part worth remembering. You do not have to time the market perfectly. You just have to understand what the market is giving you today.

Can we negotiate seller credits? Can we use a temporary buydown? Can we structure the financing differently? Does the payment make sense for your goals?

Because headlines tell you what is happening in the economy. Your loan strategy tells you what you can actually do with it.

I am Kendra Lamanna with New American Funding. You find the home. I will find the loan.

NMLS 1496814. 585-329-1491.

09/17/2026

Big condo financing updates that every buyer, seller, and current condo owner needs to know about right now.

Most people do not realize this but when you buy a condo we are not just approving you for the mortgage. We also have to approve the condo project itself. And Fannie Mae and Freddie Mac have been updating their condo requirements to put significantly more focus on the financial and physical health of the building.

Here is what lenders are now looking at more closely. Does the HOA have adequate reserves? Is the building properly insured? Are there major repairs or special assessments on the horizon? And is the association financially prepared to maintain the property over the long term?

Why does this matter? Because a condo can look absolutely perfect when you walk through it but what is happening behind the scenes with the HOA can determine whether that condo qualifies for conventional financing at all.

These changes are not necessarily a bad thing. They are designed to protect homeowners by ensuring condo communities are financially healthy and properly maintained. But they do change how buyers, sellers, and current owners need to think about condo transactions.

If you are buying a condo do not wait until two weeks before closing to discover a project issue. Start that process early.

If you are selling a condo knowing your building's financial status in advance can help you avoid surprises when an offer comes in.

And if you already own a condo this is your reminder to pay attention to your HOA's reserves, insurance, and overall financial health.

The biggest shift in thinking: instead of only asking can I afford this condo start asking what is the financial and physical health of this property long term.

I am Kendra Lamanna with New American Funding. You find the home. I will find the loan.

NMLS 1496814. 585-329-1491.

09/16/2026

A fixed rate mortgage does not mean your monthly payment can never change. And this surprises a lot of buyers who assumed it did.

Here is what a fixed rate actually locks in: your principal and interest payment. That number stays the same for the life of the loan. But if your lender collects taxes and insurance through an escrow account those amounts can still move. And when they do your total monthly payment moves with them.

It can happen if your property taxes go up. It can happen if your homeowners insurance premium increases. And it can happen if your escrow account came up short from the previous year and needs to be replenished.

So if your payment goes up it does not mean your mortgage rate changed. It usually means the cost of owning the home changed. That is an important distinction and one that catches a lot of homeowners off guard.

Here is what I do to stay ahead of it. I review my escrow analysis every year. I compare insurance options to make sure I am not overpaying on coverage. And I check whether I can challenge my property tax assessment because in some cases a formal appeal can actually bring that number down.

Every dollar matters whether you are buying your first home or moving up. The goal is to build wealth, protect it, and keep the process as stress-free as possible.

If that sounds like something you want to learn more about follow along for more simple tips that help keep your costs minimal.

Kendra Lamanna, New American Funding. NMLS 1496814. 585-329-1491 or [email protected].

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Charlotte, NC
28273

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