Frederick Duff Loan Officer NMLS #835831

02/24/2026

Summary of some of the insights from the Real Estate insights and newsletter I produce. Let me know if you are interested in receiving the next one which is almost ready to go out again.

01/20/2026

Tired of the cold? 🥶 I’ve got some sunny news! ☀️🌴

I am excited to announce that I am officially licensed in FLORIDA!

Many of my clients here in Kentucky and Ohio dream of owning a slice of paradise in the Sunshine State. Whether you are looking for a vacation condo, an investment property, or planning your retirement move, you don't have to find a stranger to handle your financing.

You can stick with a local lender you trust. I can now handle your mortgage needs in: 📍 Ohio 📍 Kentucky 📍 AND Florida!

Call to Action: Thinking about buying a beach house? Let’s run the numbers.

Contact Me: 👨‍💼 Frederick Duff, Senior Mortgage Banker 🏦 Queen City Mortgage 📞 (513) 445-9811 or (502) 345-0682 📧 [email protected] 💻 www.pre-qualifymymortgage.com NMLS #835831

01/13/2026

As a Broker , we save our clients real money. Skip the large banks and their fees and give us a call if you are in Ohio or Kentucky at (502)345-0682 or (513)445-9811. Pre-approvals ( free of course) www.pre-qualifymymortgage.com .

01/13/2026

This looks absolutely amazing

It's snowing in Sicily

12/29/2025

12/19/2025

Dayton / North Cincinnati Real Estate Update – What 2026 Could Bring

I just posted a short video breaking down what I’m seeing in our local housing market as we wrap up 2025 — and why 2026 is shaping up to look very different than the past two years.

Here’s the big picture in plain English:
✔️ 2025 wasn’t a crash — it was a reset
✔️ Inventory is rising, giving buyers more options and leverage
✔️ Pricing and preparation matter more than ever for sellers
✔️ Inflation is cooling, and new tax & policy tailwinds could improve affordability in 2026

National economists remain cautious — and that’s fair.
But real estate decisions are local, and our Dayton / North Cincinnati data shows conditions improving for buyers and sellers who plan strategically.

📊 If you’d like the full data-driven newsletter (charts, forecasts, and policy impacts explained clearly), you can read it here:
👉 https://www.canva.com/design/DAGg7bAQpBU/RZLP6n6nwcSkeQnKqbIfdQ/edit?utm_content=DAGg7bAQpBU&utm_campaign=designshare&utm_medium=link2&utm_source=sharebutton

🎬 Prefer YouTube? You can watch the full video here as well:
👉 https://youtu.be/Oyh3UeVqGOA?si=qK85ncVrV1aGzuux

10/13/2025

In Mortgage Lending or Real Estate, subtle actions hold significant power and strategy. Instead of sudden shifts, markets tend to adjust gradually. By examining absorption rates, rate bands, and concessions, I use my knowledge in data science to transform these insights into structured terms.

Prefer a strategic approach over catchy slogans? Pre-approvals at www.pre-qualifymymortgage.com or DM “MAP” for a concise one-page brief.

10/04/2025

In chess, the first move sets tempo and cost for every piece that follows.
The pawn looks small—but it claims space, opens lines, and unlocks the queen.

Your first move in real estate is who structures your loan.
Choose the professional who plays the whole board.

Buyer or agent? Reach out to me for a strategy call :
[email protected]
• (513) 445-9811 • (502) 345-0682
Apply for a free analysis : www.pre-qualifymymortgage.com

09/23/2025

Exciting news! 🚀 The updated market analysis and forecast is available. In Southern Ohio and Kentucky, precision is key. Contact me for your free copy!

08/12/2025

Question to some of my underwriter friends ... Today i saw an appraisal with a negative adjustment for a pool in a neighborhood with a pool. In Florida, South Carolina or even Georgia ... I might have experienced this before... but Ohio??? Has something changed?

08/05/2025

🌟 Surprising Housing Insights From July’s Market Model

Did you know? Our latest AI‑powered modelling shows that the real drivers of our market aren’t interest rates—it’s confidence and employment. Here’s what stood out:

• Inventory & Job Market: When unemployment ticks up, we’re seeing more homes for sale and more transactions. This suggests our market is driven by economic confidence rather than just rates.

• Confidence vs. Inflation: Consumers’ mood follows price pressure. Research shows a strong link between consumer sentiment and spending high inflation dampens that mood
• Rates Aren’t the Villain: Weekly data shows mortgage rates can rise without derailing buyer demand In other words, rates aren’t steering sales as much as many believe.
• No Crash Ahead: National experts say a crash is unlikely in 2025. Low inventory and strong homeowner equity are “protecting against a market crash”, so waiting for prices to plummet could be a costly gamble.

👉 Bottom line: Our market remains resilient. If you’re thinking of buying, waiting for rates to drop could mean higher prices later. If you’re considering selling, pricing right is still essential.

📩 I’m putting the finishing touches on this month’s newsletter with more charts and forecasts. Comment or message me if you’d like a copy—let’s make sure you have the facts before you make your next move. Call me if you want to discuss further - 513-445-9811 or 502 345-0682

08/05/2025

https://www.canva.com/design/DAGtQ83LdBs/rOqCSOhwpJLmPSQFF9Fpow/edit?utm_content=DAGtQ83LdBs&utm_campaign=designshare&utm_medium=link2&utm_source=sharebutton