Courtney George - Bayshore Mortgage Funding LLC

Courtney George - Bayshore Mortgage Funding LLC Branch Manager - Mortgage Loan Officer- Serving OR, WA, MT, VA, IL, CO, TX. NMLS #1834767 Equal Housing Lender Branch NMLS #2163710

Before you sign anything, look at your amortization schedule.It’s a document that shows exactly how your loan breaks dow...
01/30/2026

Before you sign anything, look at your amortization schedule.

It’s a document that shows exactly how your loan breaks down over time — how much goes to principal, how much goes to interest, and what the total cost looks like over 30 years.

Most people see their monthly payment and stop there. But that number doesn’t tell you what you’re actually paying for the house by the time it’s yours.

A $300,000 home at 7% over 30 years costs you more than $700,000 when it’s all said and done.

That’s not a secret — it’s just math most people never look at until after they’ve signed.

I’m not saying this to scare anyone out of buying. I’m saying it so you go in with your eyes open. Know the real number. Decide if it works for you.

And if it doesn’t, we figure out what does.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

You found the house. You made the offer. Inspections are done, you’re ready to move forward. Then the appraisal comes ba...
01/29/2026

You found the house.

You made the offer. Inspections are done, you’re ready to move forward. Then the appraisal comes back and suddenly the loan can’t close until a list of repairs gets handled.

It happens more often than buyers expect, especially with FHA and VA loans where the property itself has to meet certain standards before the lender will approve it.

Peeling paint on a house built before 1978. Missing handrails. Broken windows. Water damage in the crawl space. Electrical panels with no cover. A roof that’s clearly at the end of its life.

These aren’t cosmetic issues to a lender. They’re reasons to pause the whole transaction until someone fixes them.

Sellers don’t always know this. Buyers definitely don’t. And by the time it surfaces, everyone’s stressed and the clock is ticking.

If you’re buying and the house is older or “needs some love,” ask your lender what the property requirements are before you fall too deep in. It’ll save everyone a headache.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

Eight years of closing loans and the ones that go smoothly all look the same.The buyer knew what was coming. The realtor...
01/28/2026

Eight years of closing loans and the ones that go smoothly all look the same.

The buyer knew what was coming. The realtor knew what I needed. I knew what was happening on their end. Everyone on the same page, no one chasing signatures at the last minute, no one finding out about a problem the day before closing.

That kind of close doesn’t happen by accident. It happens when someone’s actually running the process instead of just along for the ride.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

Here’s a mistake I see all the time:People get pre-approved, then disappear for six months. They assume the number they ...
01/23/2026

Here’s a mistake I see all the time:

People get pre-approved, then disappear for six months. They assume the number they got is still good. They find a house, make an offer, and then find out their situation changed — or the rate environment changed — and suddenly the math doesn’t work anymore.

Pre-approval isn’t a one-and-done thing.

If your income shifted, if you took on new debt, if you changed jobs, if rates moved significantly — your buying power changed too.

Check back in. Update your numbers. Make sure the house you’re chasing is still the house you can actually close on.
I’d rather have that conversation now than three days before closing.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

The question I get asked most isn’t about rates or down payments.It’s “How do I even start?”Here’s the honest answer:You...
01/21/2026

The question I get asked most isn’t about rates or down payments.

It’s “How do I even start?”
Here’s the honest answer:

You don’t need to know everything. You don’t need perfect credit. You don’t need to have it all figured out.

You just need to have one conversation.

That conversation tells you where you stand. What you can actually afford. What needs to happen before you’re ready — if anything.

Most people put off that conversation for months, sometimes years, because they’re scared of what they’ll hear. But the truth is almost always less scary than the story you’ve been telling yourself.

And once you know your numbers, everything else gets clearer. The timeline. The budget. The neighborhoods that actually make sense.

One conversation. That’s the starting line.

If you’ve been circling this decision for a while, just reach out. We’ll figure out where you are and what comes next.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

Some people I talk to aren’t ready yet. And I tell them that. We make a plan. We check back in six months.Some people ar...
01/16/2026

Some people I talk to aren’t ready yet. And I tell them that.

We make a plan.
We check back in six months.
Some people are closer than they think. And watching them realize that is the best part of this job. If you’ve been wondering whether 2026 is the year, let’s find out. No pressure. Just clarity.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

Start with the why. The how is what I’m here for.💌cgeorge@bsmfunding.com☎️(872)-772-5060NMLS # 1834767
01/15/2026

Start with the why. The how is what I’m here for.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

Homeowners insurance has gotten wild.Premiums are up about 24% since 2021. In some states we’re talking $400-800/month j...
01/14/2026

Homeowners insurance has gotten wild.

Premiums are up about 24% since 2021. In some states we’re talking $400-800/month just for coverage, and that’s before you even factor in flood or fire risk areas where policies are getting dropped completely with barely any notice.

I’ve seen buyers fall in love with a house, get all the way to the finish line, and then realize the insurance situation is a dealbreaker they never saw coming.

It’s heartbreaking and it’s avoidable.
So here’s my advice: check insurance costs early. Like, before you get emotionally attached.

Call around, get quotes, make sure you can actually get coverage in that area. It takes an hour and it could save you from a really painful surprise later. This is one of those “boring” steps that ends up mattering a lot.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

https://consumerfed.org/press_release/new-report-finds-american-homeowners-faced-24-increase-in-homeowners-insurance-premiums-over-the-past-three-years/

I talk to so many people who ruled themselves out of down payment assistance without ever actually looking into it. And ...
01/12/2026

I talk to so many people who ruled themselves out of down payment assistance without ever actually looking into it. And I get it — there’s a lot of confusing info out there and it feels like there’s always a catch. But sometimes there’s not. Sometimes there’s just money sitting there waiting for qualified buyers who never applied. DM me if you want help figuring out what you might be eligible for.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

The costs that show up AFTER you get the keys!Your mortgage payment is just the starting point. Property taxes, homeowne...
01/09/2026

The costs that show up AFTER you get the keys!

Your mortgage payment is just the starting point. Property taxes, homeowners insurance, maintenance, random repairs that pop up when you least expect them (looking at you, water heater that dies in February).

The average homeowner spends around $1,500/month on top of their mortgage just keeping everything running.

And I’m not saying this to scare you off!!

I’m saying it because the buyers who feel GOOD about their purchase a year later are the ones who budgeted for the full picture, not just the loan payment.

They’re not scrambling when the AC goes out or stressed when the insurance bill hits.

Knowing this stuff ahead of time is what makes homeownership feel like freedom instead of a financial trap.

Once you plan for it, it’s totally manageable. You just have to know it’s coming.




💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

One mortgage quote is not enough. I know that shopping around sounds like extra work but hear me out.Freddie Mac actuall...
01/08/2026

One mortgage quote is not enough.

I know that shopping around sounds like extra work but hear me out.

Freddie Mac actually did research on this — borrowers who compared just 2 lenders saved up to $600/year. Those who compared 4 or more saved up to $1,200/year. Same borrower, same credit score, different rates.

Banks, credit unions, mortgage companies, brokers — they all price loans differently. What one lender offers you is not what another will, and sometimes the gap is significant.

And here’s the part people don’t realize: rate shopping within a 14-45 day window counts as ONE credit inquiry. So you’re not tanking your score by getting multiple quotes. You’re just being smart.

I know shopping around feels like a lot when you’re already overwhelmed with the whole homebuying process. But this is one of those things that can literally save you thousands over the life of your loan and it doesn’t take that long.

Don’t just go with the first lender who answers the phone — you deserve to compare.





💌[email protected]
☎️(872)-772-5060
NMLS # 1834767

Address

Chicago, IL

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18727725060

Website

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