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Intention Mortgage 𝙄𝙣𝙩𝙚𝙜𝙧𝙞𝙩𝙮. 𝙏𝙧𝙪𝙨𝙩. 𝙍𝙚𝙨𝙪𝙡𝙩𝙨 🌙
NMLS: 2751007
Homeownership Starts Here 🏡

Realtors, save this post! 📌Navigating seller concessions can make or break a deal—especially when helping your buyers st...
10/14/2026

Realtors, save this post! 📌

Navigating seller concessions can make or break a deal—especially when helping your buyers structure an attractive offer or advising sellers on credit caps.

Here is a quick cheat sheet on Seller Concession Limits by Loan Type:

🏡 Conventional (Primary & 2nd Home): • Less than 10% down ➡️ 3% max credit • 10% – 25% down ➡️ 6% max credit • More than 25% down ➡️ 9% max credit

🏢 Conventional (Investment): • 15%+ down ➡️ 2% max credit

🛡️ FHA: 3.5%+ down ➡️ 6% max credit 🌾 USDA: None required ➡️ 6% max credit

🇺🇸 VA: None required ➡️ No cap on closing costs/points (discount points generally limited to 2) & 4% cap on other concessions.

💡 What can concessions cover? Closing costs, prepaid items, discount points, and commissions (where permitted). Note that total concessions cannot exceed the buyer’s actual costs!

Have questions on structuring your next deal? Send us a DM! 💬📩

When rates go up, your homebuying plan doesn’t have to stall.While the headlines focus on rate spikes, seasoned buyers k...
10/08/2026

When rates go up, your homebuying plan doesn’t have to stall.

While the headlines focus on rate spikes, seasoned buyers know that success isn’t about timing the market perfectly—it’s about how your loan is structured.
We broke down 4 powerful plays smart buyers use to navigate higher rates and protect their purchasing power.

👉 Swipe through to find the right fit for your goals, and comment PLAYBOOK below or click the link in our bio to get pre-approved and build your customized rate-spike strategy today!

Seller Credits: Let the seller help pay your closing costs or buy down your rate.

Temporary Buydowns: Secure a lower rate and softer payments for the first year or two while you settle in.

Permanent Buydowns: Pay an upfront fee to lock in a lower interest rate for the life of your loan.

The ARM: Keep your rate steady for an initial 5, 7, or 10 years with predictable caps

The best part? These plays can even stack depending on your timeline and budget.

Massiel Espinal | Loan Specialist | NMLS 2457458 Intention Mortgage | NMLS 2751007 📧 [email protected] 📱 (201) 421-6898

Thinking about your next home but don’t want to sell your current one first? 🏡Most move-up buyers have the same problem:...
10/01/2026

Thinking about your next home but don’t want to sell your current one first? 🏡

Most move-up buyers have the same problem: the money for the next down payment is tied up in the house they live in now. That usually means selling first and moving twice, or making an offer that depends on your sale, which sellers often pass over.

A bridge loan gets around that. It lets you use the equity in your current home to buy the next one. Once your old home sells, the sale pays off the bridge loan.
Here’s how our clients use it:
→ Make an offer that doesn’t depend on selling first
→ Cover the down payment without dipping into savings or retirement
→ Fix up the current home so it’s ready to list
→ Stretch their buying power further
→ Move once, on their own schedule

It isn’t the right fit for every move. Your equity, timeline and the condition of your home all matter, so we look at the whole picture up front. As a broker, we shop our lending partners to find what fits you.

Swipe through 👉 then DM us “BRIDGE” or tap the link in bio and we’ll see whether it makes sense for your move.

Intention Mortgage | Intention Finance Group LLC | NMLS 2751007
Equal Housing Opportunity. Licensed in NJ & FL. Not a commitment to lend. Subject to credit and property approval.

Today, we pause to remember the lives lost on September 11, and to honor the incredible resilience, bravery, and unity o...
09/11/2026

Today, we pause to remember the lives lost on September 11, and to honor the incredible resilience, bravery, and unity of our communities. Though years have passed, the strength we found together continues to inspire us.

One loan. One closing. Zero double-hassle. 🏠⚡️If you’re planning to build a custom home, a one-time-close construction l...
08/31/2026

One loan. One closing. Zero double-hassle. 🏠⚡️
If you’re planning to build a custom home, a one-time-close construction loan lets you bundle your construction financing and permanent mortgage into one smooth process—saving you time, stress, and extra costs.

DM us “BUILD” or link in bio to learn more! 📲

Swipe through to read why our clients and realtors trust Intention Mortgage with their biggest moves. 📑🏡Whether it’s con...
08/28/2026

Swipe through to read why our clients and realtors trust Intention Mortgage with their biggest moves. 📑🏡
Whether it’s constant updates, transparent communication, or simply having a team that truly cares—we’re here to make home financing feel effortless.
Ready to make your move? 📲 Tap the link in our bio or drop a comment below!
. . DreamHome LendingMadeEasy HomeFinancing RealEstateCommunity

08/24/2026

Did you know the difference between your FICO and Vantage score could save you thousands on your mortgage? 🏠📈
Most lenders only look at FICO. At Intention Mortgage, we work with both FICO and Vantage scoring models—which means if your Vantage score is higher, you could qualify for significantly better rates and terms.
Two scoring models. Two very different numbers. One potential game-changer for your home purchase.
📩 Want us to check yours? DM us today to get started!

👉 DM us today and let’s review your numbers!

Stop waiting for the “perfect” market. Your homeownership journey starts when you decide to take the first step. Reach o...
08/17/2026

Stop waiting for the “perfect” market. Your homeownership journey starts when you decide to take the first step. Reach out to Intention Mortgage today to explore your options! 🏡✨

When working with experienced real estate investors, complex tax returns designed to minimize taxable income are a sign ...
08/10/2026

When working with experienced real estate investors, complex tax returns designed to minimize taxable income are a sign of a well-run business—not a red flag. That’s where DSCR loans come in.
With Debt-Service Coverage Ratio (DSCR) financing:
    •    ❌ No W-2s or tax returns
    •    ❌ No personal income or DTI calculations
    •    ✅ Qualification is based on whether the property’s rental income covers the mortgage payment
Whether it’s a 1–4 unit purchase, cash-out refinance, short-term rental, or even an unleased property—guidelines vary more than you think. Don’t walk away from a deal before checking options.
📩 DM us “DSCR” or call (973) 215-5626 with the address, estimated rent, loan amount, and credit score for a fast, straight answer on your scenario!

This carousel design already handles compliance well by avoiding specific numeric rates and including necessary disclaim...
08/05/2026

This carousel design already handles compliance well by avoiding specific numeric rates and including necessary disclaimers on Slide 5.

Lower monthly payments in Year 1—without asking the seller for concessions or writing a huge check at closing? 🔑

Swipe through to see how the 1-0 LLPA Buydown works, why it’s different from traditional temporary buydowns, and the trade-off every buyer should consider before using it. ➡️

Year 1 of homeownership is notoriously cash-intensive (moving trucks, furniture, unexpected repairs, property taxes). Structuring your loan strategically gives you breathing room when you need it most.

Thinking about buying soon? DM us BUYDOWN or tap the link in our bio to see if this strategy fits your timeline.

Intention Finance Group, LLC | NMLS #2751007
Licensed Mortgage Broker – NJ Department of Banking and Insurance | Florida Mortgage Lender License

Equal Housing Lender. All loans subject to credit approval and program guidelines.

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271 US-46 H202/203
Fairfield, NJ
07004

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