Todd Rego - Loan Officer

10/16/2026

You’ve looked at home prices. You’ve looked at your budget. Have you compared different loan options?

For eligible buyers, an FHA or VA 5/1 ARM offers a fixed interest rate for the first five years. After that, the rate can adjust annually, and your payment could increase.

We can help you compare this option with a fixed-rate mortgage, review the costs, and understand what potential payment changes could mean for your budget.

Call us to explore your options. Your next step starts with knowing what’s available.

10/15/2026

Saving for an investment property while keeping cash in reserve can feel like a moving target. A DSCR loan could help bring that next purchase within reach.

Eligible buyers may qualify using the property’s rental income, with as little as 15% down and no mortgage insurance. That could leave more room in your budget for updates, maintenance, and unexpected expenses.

Your financing should support your plans for the property. Call us to explore your options and see what your next investment could look like.

Program requirements and restrictions apply.

10/14/2026

5.0 star review received on Experience.com for Todd Rego by Aaron A P - Riley helped with the whole process, ran the numbers, and made it easy for me.

Click to see all 744 reviews of Todd Rego, Senior VP/Branch Manager | NMLS #260450

10/14/2026

Planning to sell your home down the road? Give yourself a head start now.

Fresh paint, small repairs, a deep clean, and a little attention to your curb appeal can help your home feel cared for and inviting. Tackling one project at a time also means less scrambling when you’re ready to list.

Before taking on bigger upgrades, talk with your real estate agent about what makes sense for your home and market.

While you get your current home ready, we can help you plan for the next one. Call us to explore financing options and build a budget around your next move.

10/13/2026

5.0 star review received on Experience.com for Todd Rego by Heidi M O - Riley was incredibly responsive and prepared thorough answers and options for all our questions, providing helpful context and explanations for his recommendations.

Click to see all 744 reviews of Todd Rego, Senior VP/Branch Manager | NMLS #260450

10/07/2026

The rate gets your attention. The full picture helps you make the decision.

Your timeline, financial goals, and the home you’re buying all matter when choosing a mortgage. A temporary buydown, permanent buydown, or adjustable-rate mortgage may be worth exploring, but each works differently.

Before deciding, compare the upfront costs, monthly payments, and how those payments could change over time. A payment that works today should also fit your plans for tomorrow.

Give us a call at NOVA Home Loans. We’ll put the numbers side by side and help you understand which options fit your situation.

10/05/2026

“Maybe next year” can turn into another year of renting.

When prices climb, buying feels too expensive. When prices fall, buying feels too risky. Waiting for everything to line up perfectly can leave you repeating the same conversation every time your lease ends.

We believe the starting point is knowing your numbers. What payment fits your budget? How much would you need upfront? Would buying support your plans for the next several years?

You don’t have to rush. You deserve a clear picture of your options.

Give us a call before your next lease renewal. We’ll help you figure out whether buying makes sense now or build a plan to get you ready.

10/02/2026

5.0 star review received on Experience.com for Todd Rego by Zachary A - Todd was supportive, available, and reasonable during the entire process. He encouraged and answered our questions promptly.

Click to see all 742 reviews of Todd Rego, Senior VP/Branch Manager | NMLS #260450

10/02/2026

The appraisal guidelines are changing, including how property details are documented.

The updated requirements may include additional photos, more detailed property information, and changes to how finished space, ADUs, additions, mixed-use areas, and unique features are reported.

Swipe through for a closer look at the guideline changes and what they could mean for your transactions.

Have questions about the updated requirements? Reach out to us at NOVA.

10/01/2026

Realtor partners, today is the last day to register for our Appraisal Update Happy Hour!

Join us and a certified appraiser on October 8 to discuss the changes coming to residential appraisal requirements and what they could mean for your transactions.

Registration closes today, October 1. Comment REGISTER, and we’ll send you the details.