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!!

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.

02/04/2026

Taking time to understand your numbers now can save you stress (and money) later.

02/03/2026

Why the strongest offer isn’t always the highest offer:

Sellers don’t just look at price.

They look at:

- How solid the buyer’s financing is

- How quickly the lender responds

- Whether the pre-approval is fully reviewed or surface-level

- How likely the deal is to actually close

A strong pre-approval can make your offer stand out even when you’re not the highest bidder.

Click the link to see what you actually qualify for — no guessing, no pressure.

💻 https://mcabeegroup.zipforhome.com/
📲256-652-6325

02/02/2026

Groundhog Day reminder 🦫👇

The best time to get pre-approved was yesterday.
The second best time? Today.

Whether the groundhog sees his shadow or not, our home goals don’t have to wait.

📞 Let’s talk home loans! We'd love to answer any questions you may have!

https://mcabeegroup.zipforhome.com

07/07/2025

You don’t need 20% down to buy a home.

In fact, many of our buyers purchase with just 3–5% down.

Let’s bust the myths and talk facts.

💬 Message us to find out how much home you can afford today.

💻 https://mcabeegroup.zipforhome.com/
📲256-652-6325

Address

Dothan, AL
36301

Website

Alerts

Be the first to know and let us send you an email when Jason Gowen, Mortgage Loan Originator, NMLS ID 2353987 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Jason Gowen, Mortgage Loan Originator, NMLS ID 2353987:

Shortcuts

Share

Category