Frederick Duff Loan Officer NMLS #835831

08/27/2026

🏡 REALTORS & HOMEBUYERS: Don’t Let an HOA Special Assessment Become a Closing-Day Surprise

⚠️ BE AWARE OF CHANGING CONDOMINIUM LENDING REQUIREMENTS ACROSS THE INDUSTRY — BEFORE WRITING A CONTRACT ON A PROPERTY THAT MAY HAVE FINANCING CHALLENGES.

Condo special assessments don’t automatically prevent financing—but they can affect the borrower, the property, and the eligibility of the entire condominium project.

Knowing what questions to ask before you get too far into the transaction can make all the difference.

At Queen City Mortgage, I work with Realtors and homebuyers to identify potential financing issues early—while there is still time to evaluate the problem and find solutions.

Frederick Duff | Queen City Mortgage
NMLS #835831 | Licensed in Ohio, Kentucky & Florida

Free pre-approval at www.pre-qualifymymortgage.com

07/04/2026

These words still need to be read and embraced: "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable rights, that among these are Life, Liberty and the pursuit of Happiness." The revolutionary idea that we originate our rights from our creator and not from the Government dictates that the individual rights are something that cannot be infringed upon. Think about this ...

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.