The Truth About Lending

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The Truth About Lending Putting the Truth back into lending
NMLS # 1054357

Seller-paid closing costs or an interest-rate buydown may reduce your upfront costs or monthly payment. You can't negoti...
10/14/2026

Seller-paid closing costs or an interest-rate buydown may reduce your upfront costs or monthly payment. You can't negotiate the bond market β€” but with a motivated seller, you can negotiate the deal terms.

Curious what that could be worth on your next purchase? Send us the scenario and we'll run the numbers with you.
πŸ“ž 888-76-TRUTH | 🌐 TheTruthAboutLending.com

The Truth About Lending, LLC | NMLS #1054357 | FL Lic. | Equal Housing Lender. Rates, terms & eligibility vary. Not a commitment to lend.

10/13/2026

TTAL GUARDIANS β€” THE SERIES PREMIERE

Every Mission Begins With The Truth.

Welcome to the TTAL Guardians Universe, where real mortgage challenges become larger-than-life missionsβ€”and education, preparation and communication are the real superpowers.

Led by Melinda Payan, The Truth Guardian, the series takes problems that can create complications during a mortgage transaction and turns them into stories designed to entertain, educate and prepare.

🎯 OUR MISSION

Each week, we'll expose a new mortgage challenge, explain why it matters, and show how The Truth About Lending team works to anticipate issues, communicate with the parties involved and help navigate potential obstacles.

Because knowing there could be a problem is only the beginning.

Knowing how to handle it is what matters.

πŸ‘Ή FIRST THREAT: THE RED TAPE MONSTER

Our first supervillain represents the paperwork, missing information, delays and communication challenges that can complicate condo financing.

And he's already on the move...

🏑 REALTORS: Have a client considering a condo?

Don't wait until you're deep into the transaction to start asking financing questions. Bring TTAL into the conversation early.

πŸ“ž 888-76-TRUTH (888-768-7884) The Truth About Lending NMLS #1054357

πŸ›‘οΈ EVERY MISSION BEGINS WITH THE TRUTH.

For educational purposes only. Financing and documentation requirements vary by loan program, property, investor and individual transaction. All loans are subject to applicable underwriting and approval requirements.

Everyone watches the 10-year Treasury β€” but your mortgage rate isn't a copy-paste of that number.Mortgage-bond spreads, ...
10/13/2026

Everyone watches the 10-year Treasury β€” but your mortgage rate isn't a copy-paste of that number.

Mortgage-bond spreads, market volatility and lender pricing all move independently and can push your rate up or down regardless of what Treasury yields do that day.

10-Year Treasury Yield + Mortgage-Bond Spread + Lender Pricing = Your Mortgage Rate

Don't price your loan off a headline. Get a real quote based on today's market.
πŸ“ž 888-76-TRUTH | 🌐 TheTruthAboutLending.com

The Truth About Lending, LLC | NMLS #1054357 | FL Lic. | Equal Housing Lender. Rates, terms & eligibility vary. Not a commitment to lend.

πŸŽ‰ TODAY at 10 AM! Last chance to join us. Condo Financing Doesn't Have To Be Scary. Join Melinda Payan (30+ years of mor...
10/13/2026

πŸŽ‰ TODAY at 10 AM! Last chance to join us.

Condo Financing Doesn't Have To Be Scary. Join Melinda Payan (30+ years of mortgage experience) and The Truth About Lending at the MIAMI REALTORS West Broward office for a class built for Realtors.

πŸ“… Tuesday, October 13, 2026
⏰ 10:00 AM – 11:30 AM
πŸ“ West Broward Sawgrass Office, 13680 NW 14 St, Sunrise, FL 33323

You'll learn:
βœ… Today's condo financing guidelines
βœ… Warrantable vs. non-warrantable condos
βœ… How to guide your clients with the right information

πŸ‘‰ Realtors: register at miamirealtors.com/events or scan the QR code on the flyer.
Can't make it? Scan the second QR code for our condo checklist.

πŸ“ž 888-76-TRUTH | thetruthaboutlending.com



The Truth About Lending | NMLS #1054357 | Equal Housing Lender

10/12/2026

PACKED HOUSE last week! 🏒 Melinda Payan showed a room full of agents how condo financing really works, and she's teaching it again TOMORROW.

πŸ“… Tuesday, October 13
⏰ 10:00 to 11:30 AM
πŸ“ MIAMI Realtors West Broward Sawgrass Office, 13680 NW 14th St, Sunrise, FL 33323

Learn the latest condo guidelines, how to handle warrantable vs. non-warrantable condos, and how to keep your condo deals from falling apart.

Scan the QR code in the video to register or call 888-76-TRUTH. See you there!

⏳ TOMORROW! LAST CHANCE TO REGISTER! Condo Financing Doesn't Have To Be Scary. Join Melinda Payan (30+ years of mortgage...
10/12/2026

⏳ TOMORROW! LAST CHANCE TO REGISTER!

Condo Financing Doesn't Have To Be Scary. Join Melinda Payan (30+ years of mortgage experience) and The Truth About Lending at the MIAMI REALTORS West Broward office for a class built for Realtors.

πŸ“… Tuesday, October 13, 2026
⏰ 10:00 AM – 11:30 AM
πŸ“ West Broward Sawgrass Office, 13680 NW 14 St, Sunrise, FL 33323

You'll learn:
βœ… Today's condo financing guidelines
βœ… Warrantable vs. non-warrantable condos
βœ… How to guide your clients with the right information

πŸ‘‰ Realtors: register at miamirealtors.com/events or scan the QR code on the flyer.
Can't make it? Scan the second QR code for our condo checklist.

πŸ“ž 888-76-TRUTH | thetruthaboutlending.com



The Truth About Lending | NMLS #1054357 | Equal Housing Lender

Every buyer and every property is different. The opportunity may be in the structure β€” not just the rate.Rate buydowns, ...
10/12/2026

Every buyer and every property is different. The opportunity may be in the structure β€” not just the rate.

Rate buydowns, seller credits, ARM options, down payment strategy β€” there's more than one lever to pull to make a deal work for you.

Send us your scenario and we'll run the numbers with you.
πŸ“ž 888-76-TRUTH | 🌐 TheTruthAboutLending.com

The Truth About Lending, LLC | NMLS #1054357 | FL Lic. | Equal Housing Lender. Rates, terms & eligibility vary. Not a commitment to lend.

⏳ ONLY 2 DAYS LEFT TO REGISTER! Condo Financing Doesn't Have To Be Scary. Join Melinda Payan (30+ years of mortgage expe...
10/11/2026

⏳ ONLY 2 DAYS LEFT TO REGISTER!

Condo Financing Doesn't Have To Be Scary. Join Melinda Payan (30+ years of mortgage experience) and The Truth About Lending at the MIAMI REALTORS West Broward office for a class built for Realtors.

πŸ“… Tuesday, October 13, 2026
⏰ 10:00 AM – 11:30 AM
πŸ“ West Broward Sawgrass Office, 13680 NW 14 St, Sunrise, FL 33323

You'll learn:
βœ… Today's condo financing guidelines
βœ… Warrantable vs. non-warrantable condos
βœ… How to guide your clients with the right information

πŸ‘‰ Realtors: register at miamirealtors.com/events or scan the QR code on the flyer.
Can't make it? Scan the second QR code for our condo checklist.

πŸ“ž 888-76-TRUTH | thetruthaboutlending.com



The Truth About Lending | NMLS #1054357 | Equal Housing Lender

A second home and an investment property are not interchangeable. Personal use, rental intent, distance, occupancy, and ...
10/11/2026

A second home and an investment property are not interchangeable. Personal use, rental intent, distance, occupancy, and property characteristics help determine the correct classification. Get the structure right before making the offer. 888.76.TRUTH | thetruthaboutlending.com

The Truth About Lending | Licensed in FL
NMLS #1054357 | FL License | Equal Housing Lender
[email protected]
Not a commitment to lend. All loans are subject to borrower, property, and program eligibility. Terms and programs are subject to change.

Address

12555 Orange Boulevard Ste 4232
Davie, FL
33330

Opening Hours

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

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