Matthew Brady - Mortgage Loan Originator, NMLS# 2006286

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Matthew Brady - Mortgage Loan Originator, NMLS# 2006286

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Helping you win in homeownership!
📍SC, NC, FL
NMLS # 2006286 📲803-322-8398

CrossCountry Mortgage – NMLS #3029 | Branch NMLS #1035645 Equal Housing Opportunity – This is not a commitment to lend - crosscountrymortgage.com | www.nmlsconsumeraccess.org

11/03/2026

Mortgage market update for November 2nd. Three things you need to know and what they mean for your clients.

First, the Fed held steady last week but two members pushed for a rate hike. Buyers should not be building their plans around a guaranteed rate drop anytime soon.

Second, the president’s housing order includes a pilot to cancel mortgage insurance based on current equity. Implementation is still required and this is not an automatic savings opportunity today. Worth knowing when clients ask about it.

Third, starting January 7th, new purchase restrictions will apply to institutional investors controlling at least 350 single family homes, with exceptions. This is not aimed at your local investor clients.

Meanwhile, Redfin estimates sellers outnumber buyers nationally by 63 percent. Depending on your local market, that creates real negotiating room.

Have a buyer stuck on payment or a listing that needs a strategy? Send me the scenario. We will compare a price reduction to seller credits and financing options and find what actually helps the buyer move forward.

10/30/2026

AI is a tool, not a replacement. The agents who embrace technology use it to sharpen their work, write better listings, and handle the day-to-day faster so they can focus on what actually matters: the client in front of them.

Had a conversation recently with a buyer from California who was scrolling through ChatGPT for a list of questions to ask his realtor. And his wife was already shaking her head. The reality is, no app is going to understand what it really means to relocate your life, find the right neighborhood, negotiate the right deal, and make sure the transition actually works for your family.

AI can generate a list. A great agent outworks that list every single day.

If you are relocating to the Carolinas or looking for someone who combines smart tools with real hustle, reach out. That is exactly what we do.

Scott Byerly of The Premier Team at Re/max Executive

10/30/2026

Waiting for rates to drop before buying might feel like the smart play, but here is what that strategy is actually costing you.

Right now, inventory is up and sellers are willing to negotiate. Concessions are on the table in a way they have not been in years. But when rates come down, more buyers enter the market at the same time, competition increases, and that negotiating leverage disappears. You could end up paying more for the same house later than you would today.

There is also a balance to understand on the concession side. Buyers have room to ask right now, but asking for too much can still cost you the deal, even when the seller has few other offers. The price the seller accepted already reflected flexibility. Pushing past that point can shut down a deal that was otherwise ready to close.

The best negotiations happen when both sides feel like they got something. Know what matters most, ask for it, and move forward.

Scott Byerly of The Premier Team at Re/max Executive

10/29/2026

Scott Byerly did not hesitate when Matt Brady asked him what the biggest mistake agents are making today who have never experienced a truly difficult market.

The answer was not about lead generation or social media. It was education. Agents who stopped learning after they got their license are the ones who struggle when the market shifts and the conversation gets more complex.

When a lender starts talking about a 3-2-1 buy down, a 2-1 buy down, or a 7-6 ARM as ways to get a buyer to a comfortable payment, an agent who does not understand those tools cannot serve their client. They just stand there. And the client notices.

Getting a license is the starting line, not the finish line. Designations, continued education, market study, and understanding the financing tools available right now are what separate agents who thrive in a tough market from the ones who just survive it.

10/28/2026

Could PMI come off sooner? Could refinancing cost less?

A new housing executive order signed October 22 outlines several changes aimed at lowering housing costs.

The key thing to know: These changes have not been put into effect yet. Agency decisions and program details still need to follow.

One proposal could help eligible borrowers have PMI proactively canceled based on their home’s current value. If established, that pilot would apply to eligible mortgages made after it begins.

Already have a conventional loan with PMI? You can still ask your servicer whether you qualify for cancellation under the current rules.

Questions about your mortgage or what these proposals could mean for you? Send me a message. Let’s talk through it.

Matt Brady | Carolina Mortgage Coach

NMLS #2006286

CrossCountry Mortgage, LLC | NMLS #3029

[email protected]

All loans subject to approval. Program requirements and eligibility apply. Equal Housing Lender.

10/28/2026

Pending home sales fell 7.3% in September and 11.3% from a year ago, according to NAR.

For sellers and listing agents, fewer buyers signing contracts makes this question even more important: What would help a buyer move forward on your home?

Before the next price reduction, let’s compare what those dollars could do toward a buyer’s monthly payment or closing costs.

With CCM Lock2Sell, eligible sellers can buy down and lock a lower mortgage rate before they even have a buyer, giving their listing a financing incentive to promote.

We can also compare closing-cost credits and temporary buydowns to see what makes sense.

Have a listing around Charlotte or Fort Mill that needs more activity? Send me the address and asking price. Let’s run the numbers.

Matt Brady | Carolina Mortgage Coach

NMLS #2006286

CrossCountry Mortgage, LLC | NMLS #3029

[email protected]

Source: NAR September Pending Home Sales report. Figures are national.

All loans subject to approval. Program eligibility, fees, restrictions, and seller contribution limits apply. Lock2Sell financing through CCM required. Equal Housing Lender.

10/23/2026

If you are getting into real estate investing, ARV is one of the first terms you need to understand.

ARV stands for after repair value. It is what a property would likely sell for after you make all the updates and improvements. The way you calculate it is by pulling comparable properties in the area, typically three homes that are similar in size and style and have sold within the last few months. Those comps give you a realistic baseline for what the property could be worth once the work is done.

And Keenan makes a great point: having an investor-friendly agent who knows the market and knows how to read comps correctly is one of the most important advantages you can have when you are starting out.

Keenan Cromshaw-REALTOR/Broker

10/23/2026

What does Keenan Cromshaw want his clients to remember about working with him? One thing above everything else.

He is not in it for the sale. The home a buyer chooses is where they are going to build their life, raise their family, and feel safe. That responsibility means laying out every option honestly, doing the due diligence to make sure there is no surprise $10,000 repair waiting right after closing, and letting the client make an informed decision on their own terms.

His job is not to sell you on a particular house. It is to get you into the place where you have the most peace of mind.

That is the kind of agent worth working with.

Keenan Cromshaw-REALTOR/Broker

10/22/2026

Not every renovated home is a good renovation. Keenan Cromshaw breaks down exactly what to look for when you are walking through a flipped property with buyers.

The obvious tells: gaps in LVP flooring and sloppy grout lines in the shower. Those are classic signs of a cheap flip. But the bigger red flags are what you cannot see at all. A flipper special puts lipstick on a pig. Fresh paint, new floors, updated fixtures. Meanwhile nobody looked at the piping, the electrical, or the foundation.

This is exactly why a thorough home inspection matters and why working with an agent who knows what to look for before the inspector ever shows up is worth its weight.

Keenan Cromshaw-REALTOR/Broker

10/21/2026

Buying above $800,000? This 2026 loan limit change matters and here is why.

Every year the conforming loan limit gets adjusted. For 2026 the baseline limit for a single-family home is $832,750. That number is the line between a conventional loan and a jumbo loan.

If you are financing under that limit you are in conventional territory. That typically means more lender competition, more flexible underwriting, and often better pricing.

Once you cross into jumbo the requirements change: bigger reserve requirements, sometimes stricter credit and debt ratio standards, and fewer programs to choose from.

The buyers who benefit most from this change are the ones who were sitting just above last year's limit. They may now qualify for a conventional loan instead of a jumbo or they can put less down and still stay within conventional guidelines.

One more thing worth knowing: limits vary by county. High-cost areas have higher ceilings so the number in your specific market might be even higher than the baseline.

If you have been shopping in the $800,000 to $1 million range message me your county and I will tell you exactly where the line is for you and how it changes your options.

Address

Charlotte Highway
Clover, SC
29710

Website

https://www.carolinamortgagecoach.com/

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