Kendra Lamanna NMLS 1496814

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08/20/2026

If you have money in the bank but your income on paper does not tell the whole story, Freddie Mac just made it significantly easier for you to qualify for a mortgage.

They just made major changes to their asset depletion program, now called Accumulated Assets as Income, and this could be a game changer for retirees, investors, entrepreneurs, and anyone with significant assets who has struggled to qualify based on documented income alone.

Here is exactly what changed.

First, instead of dividing your assets by 240 months they now divide by 180 months. That means the same amount of assets now generates about 33 percent more qualifying monthly income. That is a meaningful difference in what you can qualify for.

Second, the old age 62 restriction for certain depository accounts and securities is gone. You no longer have to be 62 or older to use those assets to help qualify.

Third, this program is no longer limited to certain occupancy types. It can now be used for primary residences, second homes, and investment properties.

Fourth, the previous 80 percent loan-to-value cap has been removed, creating even more flexibility in how the loan can be structured.

If you have ever been told you have plenty of money but we cannot show enough qualifying income, that conversation may be worth having again under these new guidelines.

Because qualifying for a mortgage is not always about making more money. Sometimes it is about knowing how to use the money you already have.

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

Visit lendingwithkendra.com or reach out directly.

07/30/2026

Did you know one of the biggest changes to home appraisals in years is coming this November? If you are planning to buy, refinance, or sell a home this is worth understanding before it happens.

Fannie Mae and Freddie Mac are rolling out a brand new appraisal form designed to give a more complete and accurate picture of a home's value. The biggest shift is moving away from a checkbox-heavy format and giving appraisers more flexibility to explain in their own words why a home is worth what it is worth.

Here is what that means in practice. Features that older appraisal forms did not capture well can now be documented in a much more meaningful way. Custom upgrades, outdoor living spaces, accessory dwelling units, energy efficient features, and other unique characteristics of a home can now be communicated clearly rather than being squeezed into a format that was not designed to describe them accurately.

For buyers this means the appraisal on the home you are purchasing should tell a clearer and more complete story. A more detailed report can better support the value of properties with distinctive features that previously may have been undersupported by the existing format.

For the lending process overall it creates more consistency and transparency from one transaction to the next.

This does not automatically mean homes will appraise for more. But it does mean appraisers now have better tools to accurately communicate what a home is actually worth.

Whether you are buying your first home, moving up, or refinancing this is a positive step toward a more modern and accurate appraisal process. And it is happening in November.

My name is Kendra Lamanna with New American Funding. If you have questions reach out anytime. You find the home and I will find the loan.

07/24/2026

Hey, Kendra Lamanna here. If you have a low first mortgage rate I want to share something really important that a lot of homeowners do not even realize is an option.

You may be able to tap into your home's equity without giving up that great rate you worked hard to get. That is exactly where a HELOC, or home equity line of credit, can be incredibly useful.

Here is why I love this option for homeowners in your situation. A HELOC gives you flexible access to money while your current mortgage stays completely in place. Your first mortgage rate does not change. You do not have to refinance out of a rate you love. You simply open a separate line of credit against the equity you have already built and access it when you need it.

That combination can be especially valuable if you are thinking about home renovations that add value to your property, paying off higher interest debt that is costing you more each month than it should, or just wanting a little more financial breathing room without disrupting the mortgage structure you already have.

A lot of homeowners do not even know this is an option. Others think it has to be complicated. It does not.

If you want to see how much equity you may be able to put to work visit https://lendingwithkendra.com/HELOC or text me, call me, or DM me directly. I will help you look at your options and figure out what makes sense for your specific situation.

07/22/2026

A price cut does not automatically mean a seller is desperate. But from my side as a lender it can mean there is more room to help a buyer structure a genuinely smart deal, and that difference can be significant when the goal is keeping your out-of-pocket costs low and making the process less stressful.

One mistake I see buyers make consistently is assuming every price cut means a home is a bargain. It does not. A home can still be overpriced after a reduction and a lower price does not automatically mean it fits your budget or your goals. The number on the listing tells you very little about whether the deal actually makes sense for you.

That is why I never look at the price cut alone. I want to look at the full picture with you. How long has the home been on the market? How does the current price compare to similar homes that have actually sold recently? Has the seller already reduced the price more than once? And what is the condition of the home because that affects your financing strategy in ways that go beyond the purchase price.

When a home has been sitting without offers and the seller has already made a cut that is typically where I start to see real leverage for the buyer. But here is something most people miss: the best deal is not always the lowest price. Sometimes it is about reducing your cash at closing. Sometimes it is structuring the loan in a way that lowers your monthly payment. Sometimes it is negotiating terms that make the purchase easier and less stressful from start to finish.

My goal is always to help buyers protect their money and make a smart move with full information.

Follow me for more home buying and mortgage strategies.

07/15/2026

Right now the biggest challenge for many homebuyers is not interest rates. It is homeowners insurance. And I am seeing this derail deals more often than most people expect.

Buyers find their dream home, go under contract, get excited, and then discover that the insurance is either extremely expensive or in some cases simply not available for that property. And when you are financing your purchase this is not a minor inconvenience. Your lender will not close without proper homeowners insurance in place. It is a deal breaker and it can happen at the worst possible moment.

Here is my advice and please take this seriously before you fall in love with a property.

As soon as you are serious about a home start shopping for insurance immediately. Do not wait until you are approaching closing. That timeline does not give you enough room to respond if the news is bad.

Ask your real estate agent if the seller is willing to share details about their current insurance policy and what they are paying. That information tells you a lot about what to expect before you have any money on the line.

Reach out to several insurance brokers, not just one. Some companies are scaling back coverage in certain neighborhoods, markets, and property types while others are still actively writing policies. The difference between brokers can be significant.

And before you waive any contingencies make sure you have an accurate insurance quote in hand. Sometimes a property seems completely affordable until you find out the insurance will add hundreds of dollars to your monthly payment. That can turn what looked like a good deal into a bad one very quickly.

Follow me for more professional insights that help you avoid costly surprises during your home purchase.

07/13/2026

You may have seen some headlines recently about the new federal housing bill called the 21st Century ROAD to Housing Act. Let me give you the simple, clear picture of what it actually means and why it matters for buyers, sellers, and investors right now.

The big picture is straightforward. This bill is focused on helping create more housing supply over time. It does that through several specific mechanisms. Speeding up certain construction reviews to reduce the time and cost it takes to get new homes built. Encouraging more housing options like townhomes and duplexes that can add meaningful inventory in areas where single family homes alone cannot keep up with demand. Limiting how many single-family homes the largest institutional investors can purchase, which helps level the playing field for everyday buyers competing against large corporate buyers. And reducing some of the costs tied to manufactured homes, which expands affordable homeownership options for more families.

Now this does not mean home prices are going to change overnight. Housing supply takes time to develop and the effects of this legislation will be gradual rather than immediate. But what it does show is that affordability and inventory challenges are being taken seriously at the federal level. That is meaningful.

For buyers, sellers, and investors this is a good reminder that the market is still moving and evolving. The people who are prepared, educated, and working with the right team are going to be in the best position to take advantage of what comes next regardless of how the market shifts.

Reach out if you have questions about how this affects your specific situation.

06/30/2026

Thinking about an ARM because the payment is lower? Before you jump in ask yourself one important question: what happens when the rate adjusts?

An adjustable rate mortgage can be a genuinely great tool and save you real money upfront. But it only works if you have a clear and honest plan for what comes next. Maybe you know you will sell the property before the adjustment period begins. Maybe you plan to refinance when rates improve. Maybe you intend to pay down the loan aggressively so the adjustment has less impact when it arrives. Each of those is a legitimate and well-considered strategy that makes an ARM a smart choice for the right borrower in the right situation.

But if you are using an ARM simply to squeeze into a home you cannot comfortably afford at a fixed rate, that is where the problem starts. You are essentially making a financial commitment that depends on favorable future conditions you cannot control and if those conditions do not materialize you are in a difficult position with limited options.

The smartest thing you can do before choosing any adjustable rate product is ask your lender to show you three specific numbers. What is today's payment at the initial rate. What does the payment look like when the rate adjusts based on current index levels. And what is the worst case scenario if rates move to the cap. When you can see all three numbers clearly you can make a genuinely informed decision rather than one based on the appeal of a lower starting payment.

The ARM is not the risk. Not understanding it is. Follow along for more mortgage tips and feel free to reach out with any questions.

06/24/2026

The biggest mistake I am seeing home buyers make right now is waiting for the perfect rate. And if May taught us anything it is that one inflation report can send rates higher overnight. Trying to perfectly time the mortgage market is one of the hardest and most frustrating strategies a buyer can attempt to execute.

Instead of focusing on the lowest rate you saw online a few weeks ago try focusing on what you can comfortably afford today. Because that number is the one that actually matters for your life and your budget right now, not a rate that may or may not return.

And here is what most people do not realize: you have real options available to you right now. Rate locks to protect you from upward movement while you are under contract. Seller credits to reduce what you bring to closing. Temporary buydowns to lower your payment in the early years. Permanent buydowns to lock in a lower rate for the life of the loan. These are not backup plans. They are legitimate strategies that serious buyers are using right now to make the numbers work regardless of where rates go next.

The buyers winning in today's market are not necessarily the ones who waited for the perfect rate. They are the ones who built a strategy that works in the current environment and moved with confidence when the right opportunity appeared.

Waiting can make sense if you are watching inventory levels or home prices in your specific market. But waiting solely for rates to fall can sometimes cost you significantly more in the long run when appreciation is working against you every month you delay.

My crystal ball is long gone. The goal is not to predict the market perfectly. The goal is to buy when the numbers make sense for you. Follow me for more real mortgage advice that keeps you informed.

06/04/2026

What does a conflict halfway around the world have to do with your mortgage rate? Actually quite a bit and here is why it matters right now.

The conflict with Iran appears to be cooling down and that could be genuinely good news for mortgage rates and the housing market. When uncertainty rises in global markets, financial markets tend to become more volatile and that volatility makes mortgage rates less predictable and harder to plan around. As tensions ease, markets typically stabilize and more stability creates a more predictable environment for buyers, sellers, and lenders alike.

For homebuyers this means less uncertainty around mortgage rates, an easier path to planning and making informed decisions, and the ability to focus on your budget and home search instead of reacting to daily headlines. For sellers and agents it means buyers tend to feel more confident when markets are calm and confidence leads to more activity and stronger decision-making at the table.

The bottom line is that mortgage rates are still driven by inflation, jobs data, and the overall economy. But when one major source of uncertainty begins to fade that is a positive step toward a more stable market and a better environment for everyone involved in real estate.

Real estate has always been about long-term goals, not daily news cycles. Now may be a great time to remind your clients of that. Reach out and let's talk through what this shift means for your specific situation.

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Charlotte, NC
28273

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