The MacIntyre Group NMLS #1379810

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The MacIntyre Group NMLS #1379810 Scott MacIntyre, Loan Consultant at loanDepot.

Specializes in providing comprehensive lending solutions for high-net-worth clients, Veterans and first-time homebuyers.

A new month, a fresh look at the market. Here’s the context as November begins:• The Fed held its benchmark rate steady ...
11/03/2026

A new month, a fresh look at the market. Here’s the context as November begins:

• The Fed held its benchmark rate steady on October 28.
• September PCE inflation was 0.5% for the month and 3.6% over the year.
• September new-home sales were estimated at a 676,000 annualized pace, down 0.6% from August. That small change was within the margin of error.
• The advance estimate of Q3 real GDP showed 3.4% annualized growth, up from 2.2% in Q2.

Friday’s employment report is another scheduled update to watch. Economic reports can influence mortgage markets, but they don’t determine what payment fits your life.

Buying or considering a refinance? Let’s talk through your monthly budget, upfront costs and timeline.

Sources: Federal Reserve, October 28; BEA, October 29; Census/HUD, October 27; BLS November release calendar. Sales are seasonally adjusted and annualized. GDP is an advance estimate. Data are subject to revision. National figures do not describe every local market.

https://www.federalreserve.gov/newsevents/pressreleases/monetary20261028a.htm
https://www.bea.gov/news/2026/personal-income-and-outlays-september-2026
https://www.census.gov/construction/nrs/current/index.html
https://www.bea.gov/data/gdp/gross-domestic-product
https://www.bls.gov/schedule/2026/11_sched_list.htm



Scott MacIntyre | Loan Consultant | NMLS #1379810
Call/text: (703) 436-5363 | Office: (754) 282-1642
loanDepot.com, LLC | NMLS #174457

This Native American, Indian & Alaska Native Heritage Month, we recognize and celebrate the rich cultures, traditions, h...
11/02/2026

This Native American, Indian & Alaska Native Heritage Month, we recognize and celebrate the rich cultures, traditions, histories, and contributions of Native peoples across the country. We honor the lasting impact Native communities continue to have on our nation and our local communities.

You’ve spent years building your savings and investments.Those assets may also have a role in helping you qualify for yo...
10/30/2026

You’ve spent years building your savings and investments.

Those assets may also have a role in helping you qualify for your next mortgage.

Certain programs allow eligible assets to be used to calculate qualifying income. And depending on the program, that income can be combined with other qualifying income sources.

That’s a conversation worth having if you have substantial assets but your documented income doesn’t support the mortgage you’re considering.

The way I see it, your mortgage conversation should include your full financial picture.

Let’s look at how your assets might fit into the plan.



Subject to asset eligibility, program guidelines and approval.

Found your next home, but haven’t sold your current one?The timing can get complicated quickly. Especially if qualifying...
10/28/2026

Found your next home, but haven’t sold your current one?

The timing can get complicated quickly. Especially if qualifying with both mortgage payments is what’s holding you back.

Certain mortgage programs may allow us to exclude the payment on the home you’re leaving when calculating your debt-to-income ratio, subject to equity and documentation requirements.

You’re still responsible for that payment until the loan is paid off. But how we qualify you for the next home may offer more flexibility than you expected.

Before you assume you have to sell first, let’s look at the numbers and build a plan.



Subject to program guidelines and approval.

Your business is more than a tax return.But if you’re self-employed, qualifying for a mortgage can feel like everything ...
10/26/2026

Your business is more than a tax return.

But if you’re self-employed, qualifying for a mortgage can feel like everything comes down to that one document.

One option worth exploring: a mortgage that uses a profit-and-loss statement to evaluate your business income. Certain P&L programs don’t require bank statements for income documentation.

That doesn’t eliminate the qualification process. It gives us another way to look at your situation.

If documenting your income has been the obstacle between you and your next home, let’s talk through what’s available.



Subject to program guidelines and approval.

BEFORE THE OPEN HOUSE, KNOW YOUR COMFORT ZONE.Heading to an open house this weekend? Take a few numbers along with your ...
10/23/2026

BEFORE THE OPEN HOUSE, KNOW YOUR COMFORT ZONE.

Heading to an open house this weekend? Take a few numbers along with your wish list:

• A monthly housing payment that fits your life—including taxes, insurance and any HOA dues.
• An estimate of the upfront cash you'll need, including your down payment and closing costs.
• The savings cushion you'd like to have left afterward.

You don't need to have everything figured out before we talk. What would you like to get clearer on first?

Scott MacIntyre | Loan Consultant | loanDepot
NMLS #1379810 | (703) 436-5363

HOME SALES PICKED UP. YOUR TIMING IS PERSONAL.Existing-home sales rose 1.5% in September compared with August, but remai...
10/21/2026

HOME SALES PICKED UP. YOUR TIMING IS PERSONAL.

Existing-home sales rose 1.5% in September compared with August, but remained 2.2% below a year earlier.

That's a modest national rebound. Your decision still depends on the homes available where you want to live, the full monthly payment and your own timing.

What's shaping your plans right now? If you'd like to explore the financing side, we can start with a payment range that feels comfortable for you.

Scott MacIntyre | Loan Consultant | loanDepot
NMLS #1379810 | (703) 436-5363
Source: National Association of REALTORS®, September 2026 existing-home sales.
https://www.nar.realtor/research-and-statistics/housing-statistics/existing-home-sales

HEADLINES CHANGE. START WITH YOUR BUDGET.September inflation rose 0.6% from the month before, with higher gasoline price...
10/20/2026

HEADLINES CHANGE. START WITH YOUR BUDGET.

September inflation rose 0.6% from the month before, with higher gasoline prices accounting for more than half of the increase.

If you're thinking about buying a home, this is a good time to revisit what feels comfortable each month—including taxes, insurance and everyday expenses—and how much savings you'd like to keep after closing.

What would help you feel more prepared: a clearer monthly payment, cash-to-close estimate, or a timeline? I'm happy to talk it through.

Scott MacIntyre | Loan Consultant | loanDepot
NMLS #1379810 | (703) 436-5363
Source: BLS, September 2026 CPI, released October 14, 2026.
https://www.bls.gov/news.release/archives/cpi_10142026.htm

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