Steve Gaston NMLS #2086928

02/18/2026

Spring market is heating up 🌷
If you or someone you know is thinking about buying or refinancing, message me. Happy to run the numbers.

02/18/2026

🌷 Spring Is Coming… Is Your Mortgage Plan Ready? 🌷

The market is warming up.
Listings are increasing.
Buyers are preparing to move.

Spring is one of the busiest real estate seasons of the year — and the people who win are the ones who prepare early.

If you’re thinking about:

🏠 Buying your first home
🏡 Moving up or downsizing
💰 Refinancing to lower your payment
📈 Pulling equity for renovations or debt consolidation

We’ve got solutions.

⸻

🏦 Loan Programs We Offer:

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Jumbo Loans
• Investment Property Loans
• Cash-Out Refinance
• Rate & Term Refinance

💡 We also offer Down Payment Assistance Programs for qualified buyers — making homeownership possible with far less money out of pocket than most people think.

Many buyers assume they need 20% down.
In reality, there are programs available with much less — sometimes significantly less.

⸻

Spring rewards preparation.
Let’s build a strategy tailored to YOUR situation.

📍 Licensed in:
Illinois | Wisconsin | Indiana | Florida | Nevada

🌐 www.loanswithcristian.com
NMLS #2086928

📲 Message me directly for a personalized scenario review.

12/10/2024

FHA home loan basics for loan approval. Do you know what it takes? https://www.fha.com/define/loan-guidelines

12/10/2024

What new borrowers need to know about home loan down payments. https://www.fha.com/define/down-payment

12/10/2024

Together, we’re building stronger communities. 🇺🇸

The Homes for Heroes Foundation is proud to present a $5,000 grant to the , an organization dedicated to empowering Veterans and families of fallen heroes through mentorship, community events, and character development programs.

This partnership embodies our shared mission to honor and support the hero community, ensuring that their legacies inspire future generations to lead with courage, integrity, and service. 💙

10/05/2024

🏡 **Thinking About Buying a Home? Here's What You Need!** 🏡

As a mortgage professional, I know the process can seem overwhelming. To help make things easier, here are some common documents you'll need to qualify for a mortgage:

1. **Proof of Income:**
- Recent pay stubs (last 30 days)
- W-2 forms (last 2 years)
- Tax returns (last 2 years)

2. **Credit History:**
- Authorization for credit check

3. **Assets and Liabilities:**
- Bank statements (last 2-3 months)
- Documentation of other assets (stocks, bonds, etc.)
- List of current debts and monthly payments

4. **Personal Identification:**
- Government-issued ID (Driver's license or passport)

5. **Down Payment Information:**
- Proof of down payment funds
- Gift letters (if any part of the down payment is a gift)

Having these documents ready can speed up the mortgage approval process and bring you one step closer to your dream home! 🏠

If you have any questions or need assistance, feel free to reach out. I'm here to help you every step of the way.



---

09/12/2024

Rates keep dropping

Mortgage rates moved lower again today despite a key inflation report coming in higher than expected.  This is counterintuitive for anyone who's been following rate movement closely over the past few years.   During that time, inflation reports have had a strong, direc...

09/10/2024

Mortgage rates have recently dropped to the lowest level since April 2023, making this a great opportunity for homeowners who purchased at higher rates in recent years to consider refinancing. With rates down by over 1.25% in the past five months, now could be the perfect time to lock in savings before the market shifts. Check with your me to see your options if you fall into this category.

Read more here: [Mortgage News Daily](https://www.mortgagenewsdaily.com/markets/mortgage-rates-09092024).

The average lender's top tier 30yr fixed rate fell to the lowest level since April 2023 last week. That's down more than 1.25% over the past 5 months.  During that time, economic data and the Fed's interpretation of the data have moved into better alignment with the idea of a ra...

09/06/2024

https://www.mortgagenewsdaily.com/markets/mortgage-rates-09062024

Mortgage rates have a long and storied history of making big moves on the day that the big monthly jobs report comes out.  In that regard, today was fairly normal.  Indeed, the jobs report came out and mortgage rates made their biggest move of the week, dropping to the lowest level...