Wayne Rohrbaugh NMLS # 113237 Starnet Lending

10/16/2026

10/16/2026

Choosing a lender? Maybe don’t pick one faster than you picked your couch. 😂🏡

Before you commit, ask these 5 questions:

1. How many loans have you actually closed this year?
Experience is great, but I want the receipts. 👀

2. What happens to my file after I apply?
Am I still talking to you, or am I suddenly playing “Who has my loan file?” with five different people?

3. What does your prequalification process actually look like?
You want to understand what was reviewed and how solid that number really is.

4. What loan programs do you have access to?
More options can mean more ways to find a financing strategy that fits your situation.

5. What does your typical closing timeline look like?
Not the perfect-world answer — the realistic one.

Your lender is going to be a pretty important person in your homebuying story, so ask the questions before you sign anything.

And yes, you can ask me all five. I’ll give you real answers. 😉

10/16/2026

Offer no cost interest rate buydown

10/14/2026

You thought I was about to talk about rates, didn’t you? 😂

But buying a home isn’t *just* rates, payments, and numbers on a spreadsheet.

It’s the backyard BBQs.
The extra room you finally have a plan for.
Slow Sunday mornings in your own kitchen.
And the dog sprinting around the yard like he contributed to the down payment. 🐶🏡

Yes, the numbers matter — that’s my job as your broker.

But the life you’re trying to build behind those numbers? That matters too.

Sometimes the best part of talking mortgages is talking about what you want the mortgage to make possible.

10/14/2026

10/13/2026

POV: another buyer just told me, “I’m gonna wait until rates drop.” 👀

Totally get it. Lower rates sound great. But here’s the tricky part — rates and home prices don’t always move together, and none of us have a crystal ball hiding in the office. 🔮😂

Waiting can make sense for some buyers, but it comes with trade-offs. Depending on your situation, there may also be options like a rate buydown now or refinancing later if you qualify and it makes sense at the time.

I can’t promise where rates are headed. What I *can* do is help you run the numbers, understand your options, and decide whether waiting actually works for you.

📲 Let’s talk it through before you put your home search on hold.

10/13/2026

Life\'s hard. Make it harder. Keep paying your landlord\'s mortgage. Every rent payment is going somewhere. For a lot of people, it\'s going toward someone else\'s equity, someone else\'s future, someone else\'s home. That doesn\'t mean renting is wrong for everyone right now. Sometimes it\'s exactly the right move. But if buying has been in the back of your mind and you\'ve just never checked the numbers, it might be worth ten minutes to actually find out where you stand. DM me READY and let\'s see what\'s possible for you.

10/12/2026

Your house has been sitting for 3+ weeks and now everyone’s saying, “Just give it more time.” 😅

But sometimes… time isn’t the problem.

Maybe the price was a little too optimistic. Maybe the photos aren’t stopping the scroll. Or maybe the market shifted and suddenly your competition looks very different than it did when you listed.

That doesn’t mean there’s something wrong with your house. 🏡 It just means the strategy might need a little adjustment.

Because “let’s wait and see” isn’t always a strategy.

If your listing has been sitting, let’s figure out *why* — and what might make sense to change.

10/10/2026

A calculator tells you what a payment could look like. A broker tells you what your payment will actually look like. Online calculators are a great starting point — but they\'re working with averages, not your actual numbers. They don\'t know your credit score, your real rate, or the stuff that changes your payment (taxes, insurance, PMI, HOA). A broker does. I shop multiple lenders, catch things before they become problems, and tell you not just \"can you afford this\" but \"is this the right move for you.\" Estimates are free. Getting it right takes an actual conversation. 📩 Skip the guesswork — DM me for your real numbers.