Matt Huffman, Mortgage Broker

06/18/2025

03/04/2025

Are mortgage rates keeping you from buying a home? Have you considered a rate buy-down program? Not familiar or comfortable with them?

Alright, let me break this down like I'm talking to my buddy at a backyard barbecue! 🍻
Think of a Rate Buy Down like a coupon for your mortgage. Normally, you're stuck paying full price, but with these strategies, you get a discount for the first few years.
Here's the 2-1 Buy Down in real talk:
Let's say your actual mortgage rate is 6.5%.

First year, you'll pay like it's only 4.5%
Second year, you'll pay like it's 5.5%
After that, you're back to the full 6.5%

The 3-2-1 is basically the same magic, just with an extra year of savings:

First year: Pay like it's 3% lower
Second year: Pay like it's 2% lower
Third year: Pay like it's 1% lower
Fourth year: Full rate kicks in

Who pays for this? Sometimes the seller, sometimes the builder - they want to make the deal happen. It's like them saying, "Here's a little gift to help you get started."
Why do people love this? Because it gives you breathing room. Your payments start smaller, which means:

Lower initial payments
Easier budgeting when you're first moving in
Time to adjust to homeownership

But (and this is important) - you NEED to be ready for the full payment later. It's not free money, it's a temporary boost.
Want me to walk you through how this might look on your specific situation? Let me know and we can chat!

03/03/2025

Can't wait to have a Cajun Boil as a celebration when our house is complete! What part of a boil is your favorite?

03/02/2025

Mortgage rates FINALLY starting to move in our favor!

Most analysts are predicting rates in the low-to-mid 5's by summer if current trends hold. Not quite the 3's from a few years back, but MUCH more manageable.

If you've been sitting on the sidelines waiting for rates to drop before buying, might be time to chat. The sweet spot is coming where prices haven't shot up yet but rates are improving.

Don't wait for "perfect" - remember you can always refinance later!

03/01/2025

Living the Florida dream! Nothing beats grilling on the water with this view. 🌊☀️
This isn’t just a weekend for me—it’s why people move to Florida. After helping families finance their Florida dream homes for over 20 years, I’ve seen firsthand how a mortgage done right can unlock this lifestyle.
Thinking about making the move to sunshine state? The market’s actually perfect for newcomers right now. Shoot me a DM and let’s chat about getting you pre-approved while rates are where they are. I’ve helped hundreds of families navigate Florida’s unique market (flood insurance, hurricane requirements, snowbird considerations—I’ve seen it all).
Drop a 🌴 in the comments if you want my free “Florida Homebuying Guide” that breaks down the best areas for boaters!

02/27/2025

Follow me on Instagram for more videos and pictures.

286 Followers, 1,156 Following, 175 Posts - See Instagram photos and videos from Matt Huffman ()

02/24/2025

An easy read to see how I helped past clients overcome obstacles such as credit, down payment, and debt ratio issues.

Found on Google from amazon.com

02/23/2025

When someone lives in Florida but is from the Carolina’s, there will be signs…

02/22/2025

Margarita Day!