Josie Lemay Mortgage Loan Officer

04/08/2026

There’s been a lot of talk about mortgage rates increasing/ decreasing and that’s what I help with.

• We’ll run multiple scenarios or compare what rates you currently have.
• Free to run the numbers - I can turn it around ASAP
• We close in under 2 weeks on average
• Fast, cheaper and a clearer process

If you’ve been thinking about making a move, or have some numbers and curious if you can do better (you can 😉), I’m happy to talk it through.

The average interest rate on a 30-year fixed purchase mortgage is 6.492% on April 8, 2026, just as the spring homebuying season shifts into high gear.

02/07/2026

Your first step is simply: learning what’s possible for you.

A good loan conversation should feel like:
✔️ clarity
✔️ options
✔️ zero pressure

If you’re even thinking about buying this year (or next), it’s okay to start slow.
That’s what the first call is for.
- Josie ☺️

02/06/2026

It’s not about how much you can borrow.
It’s about what actually works for your life.
Let’s keep this low-stress. 🏡

02/05/2026

Closing costs ÷ monthly savings = break even months

This is one of the first things I calculate for every client.
Numbers should support your life.
Not pressure it.

02/04/2026

If you’re curious, I’m always happy to run numbers, even if the answer is “don’t refinance.” 💛 — Josie

02/04/2026

I promise, I’m not here to interrogate you or dig into all your financial secrets.
Just a few basics so I can run the numbers and look out for your best interests.

We look at your numbers. You tell me about the dream house. ✨

We talk through what monthly payment would feel comfortable.
And then you get some direction.

That’s it.

You’re allowed to gather information before making a big life decision.
That’s not wasting anyone’s time.

01/17/2026

Your first home is just the start. It doesn't have to be the forever home, it’s the start of your dream home journey. 🏡 Every payment builds equity that can become the down payment on your next home. Start small, plan big!