Todd Novosel, Mortgage Lender NMLS #525347

Todd Novosel, Mortgage Lender NMLS #525347 Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout FL, IN, MI, OH, PA, SC and TN.

As your mortgage lender, I will give you my best consistently. Give me a call to make your homebuying dreams a reality!

A cheaper house doesn't always mean a cheaper payment, and that surprises a lot of buyers. The price tag is just the sta...
10/07/2026

A cheaper house doesn't always mean a cheaper payment, and that surprises a lot of buyers.

The price tag is just the starting point. Swipe to see what actually drives your monthly payment, and contact me with questions.

10/07/2026

๐—ฃ๐—ฎ๐˜†๐—ถ๐—ป๐—ด $๐Ÿฏ,๐Ÿฌ๐Ÿฌ๐Ÿฌ ๐—ถ๐—ป ๐—ฟ๐—ฒ๐—ป๐˜ ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐˜๐—ผ๐—น๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ฎ $๐Ÿฎ,๐Ÿณ๐Ÿฌ๐Ÿฌ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ? ๐Ÿค”

It can feel confusing, but rent and mortgages are approved differently.

When you apply for a home loan, mortgage professionals look at more than just what you pay each month. They also look at things like your income, credit, car payments, credit cards, and other debt.

And hereโ€™s the big thing: ๐—ป๐—ผ๐˜ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฝ๐—ฟ๐—ผ ๐—ผ๐—ฟ ๐—น๐—ผ๐—ฎ๐—ป ๐—ฝ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ ๐—ต๐—ฎ๐˜€ ๐˜๐—ต๐—ฒ ๐˜€๐—ฎ๐—บ๐—ฒ ๐—ฟ๐˜‚๐—น๐—ฒ๐˜€.

So if one tells you no, that doesnโ€™t always mean youโ€™re out of options.

Get a second opinion. You can ask me about different loan programs. You might have more options than you think.

Thinking about buying a home and needing a mortgage? Reach out to me, and I can see what may work for your situation.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฑ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘ŽMortgage rates continued to climb ...
10/05/2026

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฑ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Mortgage rates continued to climb last week despite slightly lower oil prices, weaker-than-expected labor data, and markets backing off expectations for a Fed rate hike this month. There was a lot of day-to-day volatility, but pressure on global bond markets ultimately helped push rates higher.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ด๐—ฒ๐˜ ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž
Unfortunately, it doesn't look like rates will be moving lower anytime soon, and they could continue to creep higher. Treasury yields are still near their highest levels in decades and continue to rise, which will keep putting pressure on mortgage rates.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
โ€ข Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
โ€ข Economic data: There are only a few reports this week that could influence mortgage rates, and none that require a lot of attention from us.
โ€ข Bond yields: Yields continue to rise globally, and as the 10-year Treasury yield moves higher, mortgage bonds are likely to sell off as well, putting additional pressure on mortgage rates.



Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

How much cash do I actually need to buy a home? Most buyers do not ask this question until itโ€™s too late. The down payme...
10/05/2026

How much cash do I actually need to buy a home? Most buyers do not ask this question until itโ€™s too late.

The down payment is just the beginning. Swipe to see the full picture before you start shopping, and let's connect!

New 5.0-star Review: "Highly recommend Todd and his team. They made my first home purchase a breeze. Todd and his team w...
10/04/2026

New 5.0-star Review: "Highly recommend Todd and his team. They made my first home purchase a breeze. Todd and his team were great to work with. Fast, professional, informative, and cared about my questions. They took the time to make sure this home purchase experience was painless."

Screenshots aren't bank statements, and yes, this happens more than you think. If you are getting ready to apply for a m...
10/02/2026

Screenshots aren't bank statements, and yes, this happens more than you think.

If you are getting ready to apply for a mortgage, this one is worth a swipe.

Knowing what lenders actually need before you apply saves time and avoids delays when it matters most.

09/30/2026

That new car might fit your budgetโ€ฆ

But it could still get in the way of buying a house. ๐Ÿ˜ฌ

When you apply for a mortgage, mortgage professionals look at your monthly debt. A new car payment adds to that debt and can potentially lower how much home you qualify for, even if you have good credit.

So if buying a house is on your radar, talk to me ๐—ฏ๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ you head to the dealership.

The order matters. ๐Ÿก๐Ÿ”‘

Send this to someone thinking about buying a car AND a house.

Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

Thinking about selling? Start here. A little preparation before you list can make a big difference in how fast your home...
09/28/2026

Thinking about selling? Start here.

A little preparation before you list can make a big difference in how fast your home sells and how much you walk away with. Swipe to see what to tackle first.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฎ๐Ÿด, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘ŽMortgage rates moved to new 202...
09/28/2026

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฎ๐Ÿด, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Mortgage rates moved to new 2026 highs last week and were as volatile as forecasted in last week's commentary. Rates pushed higher as bond yields reached 20-year highs and oil prices remained elevated.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ด๐—ฒ๐˜ ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž
Mortgage rates are likely to continue moving higher this week, pushed up by rising energy costs and speculation that the Fed will hike rates twice more this year. There is a slim chance rates could hold or improve slightly if something positive happens in the Middle East that helps oil prices fall, but the odds aren't great.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
โ€ขMiddle East: Oil prices and headlines surrounding talks between the U.S. and Iran will continue to play a big role in mortgage rates this week.
โ€ขJobs data: There are multiple jobs reports this week, but Friday's BLS jobs data will likely have the biggest effect on mortgage rates. Signs of a strong labor market could push rates higher by increasing speculation that the Fed will continue to hike its policy rate.
โ€ขBond yields: Crushing amounts of government debt have investors demanding higher yields on Treasuries, and the rising 10yr Treasury yield plays a big role in mortgage pricing.



Powered by NFM Lending | NMLS #2893
| https://nfmlending.com/ | Equal housing lender

Will checking my credit hurt my score? Great question. Thereโ€™s a big difference between a hard and a soft credit pull, a...
09/24/2026

Will checking my credit hurt my score? Great question.

Thereโ€™s a big difference between a hard and a soft credit pull, and every buyer should know which is which before starting the homebuying process.

Address

1900 Polaris Parkway Ste 203
Columbus, OH
43240

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Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 10am - 6pm
Sunday 10am - 6pm

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+16146474770

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