Dennis Wells

Dennis Wells Dennis Wells, Producing Branch Manager
NMLS #383901
IN-DFI MLO 15613
IL MLO 031.0019720

Before asking how much house you can afford, ask what you're trying to achieve. Are you looking for stability? More spac...
06/02/2026

Before asking how much house you can afford, ask what you're trying to achieve. Are you looking for stability? More space? A shorter commute? Your financing strategy should support your goals, not the other way around. ⁣
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Welcome to Wells Funding Group. I'm Dennis Wells, and I believe mortgage conversations should start with your goals, not...
06/01/2026

Welcome to Wells Funding Group. I'm Dennis Wells, and I believe mortgage conversations should start with your goals, not loan products. Whether you're buying, refinancing, or simply exploring options, my role is to help you understand the numbers and make informed decisions.

📞 (941) 278-4446
📧 [email protected]
🌐 WellsFundingGroup.com ⁣
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Most people walk into their first conversation with me convinced they need 20% down. That number has been rattling aroun...
05/24/2026

Most people walk into their first conversation with me convinced they need 20% down. That number has been rattling around in the culture for decades, and it stops a lot of people from even asking the question. So let's settle it.
On a conventional loan, you can get in with as little as 3% down. FHA financing starts at 3.5%. Veterans qualify for 100% financing. There are programs in Florida specifically designed for first-time buyers that layer in down payment assistance on top of that, which means some buyers are getting into a home with very little out of pocket. The 20% threshold is not a requirement. It's a threshold that eliminates PMI, and that's worth knowing, but it is not the only path.
What I'd rather talk about is the full picture: what you have, what the loan actually costs you monthly, and whether buying now makes more financial sense than waiting until you've saved more. That's a fifteen-minute conversation, and it changes things.
You don't know what you don't know. Let's fix that.
Dennis Wells | Wells Funding Group | Sarasota/Bradenton, FL
https://housing.link/FMlhrKiG

Amazing day in the water with the family!
05/17/2026

Amazing day in the water with the family!

05/13/2026

Your CPA did their job really well.
Maybe too well, from a mortgage standpoint. 😅
Here’s the situation I see all the time: a business owner is making real money, running a real operation, but the tax return shows almost nothing because they’ve written off everything they legally can. Smart tax strategy. Terrible mortgage application, at least through a conventional lender.
So they assume they can’t buy. Or they wait. Or they put it off for years.
There are programs built specifically for this situation. Bank statement programs. Asset-based qualification. Ways to verify that a real business is producing real income without using the number your CPA spent all year minimizing.
You don’t have to choose between a good tax strategy and owning a home.
If you’re self-employed and you’ve been told you won’t qualify, send me a DM before you assume that’s the final answer. 📲
NorthwestIndiana MortgageTips Entrepreneur

The first thing I ask when someone sits down with me isn't "what rate are you looking for?"It's "what are we trying to d...
05/13/2026

The first thing I ask when someone sits down with me isn't "what rate are you looking for?"

It's "what are we trying to do?"

Sounds simple. Changes everything.

Last spring a couple came in after shopping with two other lenders. They had printouts. Rate comparisons. Monthly payment estimates. They'd done the homework most people do.

I asked them what they were trying to do.

Fifteen minutes in, it came out that they were planning to have kids. Probably in the next two years. One of them was likely going to drop to part-time for a while. They were thinking about a 30-year loan because the payment was lower.

We ran the numbers a different way. Not the lowest payment. The most flexible structure for a household income that was probably going to change.

The rate wasn't the issue. The term was. The down payment allocation was. The type of loan was.

They didn't get the lowest rate in the room. They got the right loan for where their life was actually going.

That's the difference between a rate quote and a strategy conversation. Most people have only ever experienced one of them.

If you want the other one, you know where to find me.

05/11/2026

Sometimes the right answer is: don’t buy right now.
I know that’s not what a loan officer is supposed to say. But I’m not trying to close every deal I touch. I’m trying to make sure the ones I close are the right ones. ✅
If the timing is off, I’ll tell you. If you’re not quite there financially, I’ll show you exactly what it takes to get there and how long it’ll realistically take. If renting is the smarter move for another 18 months, that’s the conversation we’re going to have.
The clients who trust me most are the ones I told to wait.
They came back when they were ready. And they sent everybody they knew.
Follow if you want a mortgage advisor who actually tells you the truth.
FirstTimeHomeBuyer MortgageTips HonestAdvice

Address

115 S. Court St. Suite E
Crown Point, IN
46307

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12192308400

Website

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