Brian Healy - Mortgage Lender

01/10/2026

President Trump has just directed Fannie Mae and Freddie Mac (via the Federal Housing Finance Agency) to purchase $200 BILLION in mortgage-backed securities.
This major move is designed to push mortgage rates even lower — with rates already dipping below 6% (hitting around 5.91–5.99% for 30-year fixed as of today), and analysts suggesting potential drops toward the mid-to-high 5% range or even closer to 5% depending on ex*****on speed.
Lower rates = lower monthly payments + more affordable homeownership. The housing market is heating up fast!
Get ready — opportunity is knocking! 🏡💥

10/23/2025

06/27/2025

06/19/2025

Stop by the open house this Saturday 11-1!

05/04/2025

Opening day for Nick

03/06/2025

Ready to make your home-buying dreams a reality? 🏡 Start with this easy formula to set your budget:

1️⃣ Take your pre-tax salary
2️⃣ Add your partner’s salary
3️⃣ Divide by 12
4️⃣ Multiply by .28
5️⃣ That’s your recommended monthly mortgage payment!

Know your number, shop smarter, and avoid house-broke regrets! Want a customized breakdown based on YOUR income? Drop “🏡“ in the comments, and we’ll go from there!



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03/03/2025

Today’s Reminder: You don’t need to make more money to afford a home—you just need to lower your debt!

Here’s how a small change can make a BIG impact on your home-buying power:

🔹 Example: Let’s say you have a $300/month car payment. That $300 counts against your debt-to-income ratio (DTI), potentially lowering the amount you qualify for in a mortgage.

🔹 Solution: If you pay off your car loan (or even refinance for a lower payment), your DTI improves. That could increase your mortgage approval by $30,000+

✅ Quick Fix You Can Do Today:

→ Pay off small debts first (like a credit card with a $500 balance) to quickly lower your DTI.
→ Make extra payments on loans if possible. Even $50 extra a month adds up!
→ Hold off on financing new purchases until after you’ve closed on your home.

Every dollar of debt you reduce = more home-buying power. Start today, and watch your mortgage options grow! 🏡💪

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02/21/2025

Buying a house solo vs. together

Imagine you and your partner are ready to buy a home together. The lender looks at both your incomes and adds them up to see how much house you can afford.

👉 Example:

Partner A: $70k
Partner B: $80k
Total: $150k combined income = more buying power!
But if you’re buying solo? It’s just your income that counts.

Next, let’s talk debt. If you’re buying together, all your monthly debts are considered mutual (yep, even their student loans ). Solo? Only your debts matter.

Now, here’s where it gets tricky — credit. If you’re buying as a couple, the lender will use the lower credit score between you both (not ideal if one score is much lower). But solo buyers? Only your credit score is factored in.

💡 Pro Tip: If one of you has a lower score but the other can qualify alone, some states let you have just one person on the mortgage but both on the title!

And about being married vs. not married? It doesn’t affect mortgage approval, but legally, married couples have more protection in case things don’t work out.

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Contact me today to get started
773-370-1467
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