Jason Gowen, Mortgage Loan Originator, NMLS ID 2353987

Jason Gowen, Mortgage Loan Originator, NMLS ID 2353987 I’m here to help you navigate the complex waters of the home financing market!! Contact me today!!

Happy Friday!
06/26/2026

Happy Friday!

04/17/2026

Why Less Down Can Work:

🏠 Less Down, More Options

Start building equity sooner!

Keep savings for emergencies, renovations, or moving costs

Qualify even if you don’t have a big nest egg

💡 Tip: A lower down payment may mean mortgage insurance, but the trade-off is getting into your home sooner.

03/05/2026

DTI stands for Debt-to-Income Ratio.

It’s the percentage of your monthly income that goes toward paying debts — like car loans, credit cards, student loans, and your future mortgage.

Lenders use it to make sure your payment is manageable.

It’s not about being debt-free.

It’s about balance.

And most people qualify with a higher DTI than they expect.

If you’re unsure where you stand, it’s worth having the conversation.

📱https://mcabeegroup.zipforhome.com

02/26/2026

What is a down payment?

A down payment is the portion of the home’s price you pay upfront when you buy.
It’s not a fee.

It’s your initial investment in the home.

For example:

If you buy a $300,000 home and put 5% down, that’s $15,000 upfront.

The remaining amount is what your mortgage covers.

And here’s something many people don’t realize:

You don’t always need 20% down.

Many loan programs allow much less — sometimes 3–5% depending on the loan type.

The right down payment isn’t about a magic number.

It’s about what makes sense for your financial goals.

If you’ve been unsure about how much you need, let’s talk through the real options.

📱https://mcabeegroup.zipforhome.com

02/24/2026

“You have to put 20% down to buy a home.”

Nope.

Many buyers qualify with 3–5% down depending on the loan program.

20% down can help you avoid PMI.

But waiting years to save 20% can cost more than PMI ever would.

The right move isn’t about hitting a magic number.

It’s about having a strategy.

If down payment has been holding you back, it might be time to revisit the math.

02/20/2026

There’s a piece of home buying advice that sounds smart…
but keeps people stuck:

“Wait until rates drop.”

So they wait.

And wait.

And meanwhile… prices climb.

Here’s the part most people miss: If rates drop, demand surges.

When demand surges, prices rise.

In one example:

If a $300,000 home increases just 4% while you wait…. That’s a $12,000 price jump.

A slightly lower rate later doesn’t erase a higher purchase price.

And here’s the other thing: You can refinance a rate.

You can’t renegotiate your purchase price.

Waiting isn’t always saving.

Sometimes it’s just delaying equity.

This is why buyers should look at strategy… not headlines.

💻 https://mcabeegroup.zipforhome.com/

02/05/2026

Your financial foundation matters. Showing your assets = smoother mortgage process.

Address

Dothan, AL
36301

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