Jeff Rae NMLS# 20932 - Senior Loan Officer - Northpoint Mortgage, Inc.

10/13/2026

You ask the wrong person what escrow is and somehow end up more confused than before. We see it all the time where escrow gets overcomplicated when it really doesn’t have to be. At Northpoint Mortgage, we make sure you understand what’s actually happening in your loan so you’re never left relying on “that one friend” again.

No jargon. No guesswork. Just clarity from people who do this every day.

10/07/2026

What’s all the buzz about mortgage buydowns? 🏡 For buyers, they can offer more breathing room in the monthly budget. For sellers, they can help a listing stand out.

But how do they work, and what’s the catch? Our latest blog breaks down temporary and permanent buydowns, their benefits, and what to consider before deciding.

Read “The Buzz About Buydowns” here: https://loom.ly/5Oz9Nss

When you’re buying a home, the monthly payment matters just as much as the price tag, and when mortgage rates are higher, that payment can make a big difference in what feels comfortable for your budget. Even without a change in a home’s price, a higher interest rate can increase the monthly cos...

10/06/2026

Your mortgage is set… and now the only thing you’re stressing about is your short game. At Northpoint Mortgage, that’s the goal. When your home financing is structured right, you’re not second-guessing payments or stressing over paperwork. You’re enjoying your home, your time, and maybe a Saturday on the course.

Less mortgage stress. More time for what you actually enjoy.

09/29/2026

You’re deciding between renting and buying and assume renting is always cheaper. That’s one of the biggest misconceptions we see. With homeownership, your payment can become an investment in stability, equity, and long-term wealth instead of a recurring expense that never comes back.

At Northpoint Mortgage, we help you compare the real numbers so you can make a decision based on facts, not assumptions.

09/22/2026

Homebuying comes with a lot of advice, but not all of it is accurate. At Northpoint Mortgage, we believe better decisions start with better information. That means separating myths from facts, clearly and honestly.

Let’s make the process simpler.

09/15/2026

Waiting for rates to drop before buying a home? The truth is that waiting isn't a strategy. The reality is that the right time is when you're financially ready, not when the market feels "perfect". At Northpoint Mortgage, we help you make a plan that works for you now. Because the goal isn’t to time the market perfectly, it’s to get you home with a strategy that actually works.

Let’s build your path forward.

09/08/2026

The views feel right. The space feels right. It just fits. That’s what finding your home should feel like. With Northpoint Mortgage, you’re not just finding a house. You’re claiming your spot for life’s best moments.

You found your place. Now let’s make it home.

09/07/2026

At Northpoint Mortgage, we’re grateful for the workers, families, and communities who keep moving forward and building something lasting. Today, take a moment to rest, reflect, and appreciate how far you’ve come and everything you’re building next.

Happy Labor Day from Northpoint Mortgage!

09/02/2026

Northpoint is proud to have been recently awarded nice different Top Workplace awards! We’re incredibly proud of this recognition because we believe a great experience starts from within. When our employees feel supported, valued, and connected to what we do, that carries over into how we serve our customers, support our referral partners, and show up in the communities where we live and work. A strong team helps us provide the communication, care, expertise, and service our clients and partners count on every day.

09/01/2026

You’re applying for a mortgage and want to know what lenders actually look at financially. From Northpoint Mortgage, it’s about your overall financial picture. How your income supports your monthly obligations, how your existing debt fits into that equation, and whether your credit history shows consistent, responsible management of credit. Lenders also look at your savings and assets to make sure you’re not just able to close on a home, but stay financially stable after you move in. It’s not about perfection, it’s about balance and sustainability.

At Northpoint Mortgage, we help you understand your numbers so you can move forward with clarity and confidence.