Clint Hooper NMLS # 2329701 Mpire Financial NMLS 2108504

02/23/2026

PCS’ing to Fort Bragg and thinking about using your VA loan?

Here’s the simple monthly payment math I run every day.

Example: $275,000 purchase on a 30-year fixed VA loan (assumes 6.00% rate to be conservative, $135/mo HOI, and taxes ~0.8% of the home price)
Estimated payment: ~$1,967/month (PITI)

How it moves in $20,000 jumps:

$275k → ~$1,967/mo

$295k → ~$2,100/mo

$315k → ~$2,234/mo

$335k → ~$2,367/mo

$355k → ~$2,500/mo

$375k → ~$2,633/mo

Rule of thumb: every +$20k is roughly +$130/month with these assumptions.

https://links.clinthooper.backoffice.mortgage/sp/fce24aa3460

Disclosures: Estimates only. Rates, taxes, insurance, HOA (if any), and VA funding fee (if financed) can change the payment. Not a commitment to lend. Not affiliated with or endorsed by the Department of Veterans Affairs.

Clint Hooper
Branch Manager | Ethos Mortgage Advisors
NMLS # 2329701 | Company NMLS # 2108504

12/13/2025

Why Real Estate Is One of the Most Tax-Efficient Ways to Build Wealth
(Framework credit to Robert Kiyosaki)

Most people think real estate makes money because prices go up.

That’s only part of the story.

The real advantage is how real estate is taxed, specifically depreciation.

Land does not depreciate.
Buildings do.

The IRS allows you to deduct the building’s “wear and tear” every year, even if the property is increasing in value.

That means you can show a paper loss while still making real cash.

For DSCR investors, this is powerful because the loan is based on property cash flow, not your personal income.

For VA house-hackers and military buyers, this can mean living in the property, renting part of it out, and still benefiting from depreciation on the rental portion.

Same money.
Different tax rules.

That’s why the wealthy focus on tax-efficient cash flow, not just appreciation.

I help military buyers and investors structure DSCR loans and VA house-hacks the right way, and I can also connect you with a trusted cost segregation specialist when it makes sense.

Credit to Robert Kiyosaki for the perspective.

If you’re military, a VA buyer, or an investor and want to understand how the financing and tax strategy work together, message me.

Whether you're a first time buyer or want to refinance your home, my team would love to help. Give us a call today.

11/28/2025

This Thanksgiving, we want to express our heartfelt gratitude for our incredible clients and customers! 🙏 Your trust and support have been the cornerstone of our success.

At ETHOS , we are especially thankful for the opportunity to serve our veterans by providing lower rates and tailored mortgage solutions. 🇺🇸. It’s an honor to assist those who have served our country, ensuring they receive the support they deserve, along with helping everyday heroes achieve their dreams of homeownership.

Our growth year over year has been nothing short of astronomical, and it’s all thanks to YOU! Together, we are building a brighter future, and we look forward to expanding our team and enhancing the services we offer to the community.

Here’s to more milestones, more homes, and more dreams realized! 🏠✨

Thank you for allowing us to serve you truly; we couldn’t do this without you!

11/20/2025

The Truth About All This “Portable Mortgage” and “50 Year Mortgage” Talk

There’s a lot of noise online right now, and most of it is wrong. The mortgage system isn’t being replaced or flipped upside down tomorrow. Here’s the real story.

The country is short on homes, and millions of people are locked into the 2 to 3 percent rates they got in 2020 and 2021. When nobody wants to give up a cheap rate, they don’t move. When they don’t move, nothing circulates. That’s why the market feels stuck.

Now you’re hearing about portable mortgages and 50 year mortgages. These are ideas being talked about, not programs you can get. A portable mortgage would let someone take their old rate with them. A 50 year mortgage would lower the monthly payment by stretching it out. They’re concepts, not changes.

Nothing has changed in the real world today. The 30 year mortgage is still the standard. When something real drops, I’ll explain it fast and in plain English so you’re never guessing.

If you want actual numbers and options for your situation, reach out and I’ll walk you through it.

910-286-6995

Clint Hooper
NMLS 2329701
Ethos Mortgage Advisors powered by Mpire Financial
clintthecloser.solutions/









l

11/19/2025

Agents: Master the Lending Menu = Win More Deals

Want to walk into buyer consults fully equipped with clear, strategic loan options?

I just created a one-pager that outlines everything I offer — VA, FHA, DSCR, Non-QM, Bank Statement programs, and more. It also breaks down how I handle every file from start to finish so you know exactly what to expect.

Fast closings
Clear communication
No guesswork
Real support that makes your brand look strong

This isn’t a rate sheet. It’s a tool to help you close more and stress less.

Click below to download the Product and Process Overview:
https://clintthecloser.solutions/loan-product-overview

You’ve got your title rep and your inspector. Now you’ve got your loan guy.

11/08/2025

Reviews are how we survive.
What is the first thing you do when you….
Book a hotel ?
Make a dinner reservation?
Book a Airbnb?
Book a therapist?
Book a massage?

You read the reviews! Word of mouth and other peoples’ experiences will sway you on whether you choose their service.
We wouldn’t expect anything different at ETHOS.
Head over and check out what our clients say about us!

09/29/2025

We had a blast at this month’s Realtor Rally and loved getting to connect with so many of you at our booth! 🎉And now…the moment you’ve been waiting for 🥁 Congrats to our lucky winner of the $200 Hand & Stone gift card! Enjoy that relaxation and treat yourself to an amazing rub down — you’ve earned it! 💆‍♂️💆‍♀️✨

08/21/2025

Three years ago, I was working as a Director of Operations with Fresenius. Prior to that, I was an Emergency Room nurse. And before that, I was a combat medic.

Every season of my life taught me something about leadership, advocacy, and fighting for people. Now I get to bring that same mission into mortgage lending.

On a call today, a client we just pre-approved told me how much she loved being cared for by our team. She said it never felt like “too many hands in the pot”; instead, she felt supported, guided, and confident the entire way.

That’s what drives me. Our mission is to advocate, educate, and be transparent so our clients know we’ll wrap our arms around them and guide them through one of the biggest financial decisions of their lives.

For my Realtor partners: we’ve got room to onboard two more agents right now. If you want a team that gives you structure, consistency, and second-to-none client care, let’s talk

(910) 286-6995

08/18/2025

🎯 VA REFI SUCCESS — STRATEGY. SPEED. SAVINGS. 🇺🇸
Cleared to Close in 5 Days!

This wasn’t just a quick refinance — this was part of a plan we put in motion when this Veteran first purchased their home. During the preapproval stage, I sat down and walked them through what we always do: a deep-dive rate strategy session.

We looked at real numbers side-by-side and asked the smart questions:

💡 Is it worth buying the rate down today?
💡 What if we kept that capital and waited for a market shift?

In higher-rate markets — like the one we were in then — my advice was clear: Save your cash. Avoid paying upfront discount points. The reason? VA IRRRLs allow for rate reductions later with no appraisal, no income docs, and no out-of-pocket costs.

Fast forward ⏩ to today — the market improved, and we executed our plan:

✅ Dropped the rate by over a full point
✅ No money out-of-pocket
✅ CTC in just 5 business days

This is what it looks like to care for Veterans beyond the transaction — not just closing loans, but guiding long-term mortgage strategies.

If you’re a Veteran, let’s talk through the smart way to position your purchase or refi. It’s not just about today’s rate — it’s about what we do with it tomorrow.

📲 DM me if you’re ready to be educated and empowered. No pressure — just guidance that protects your future.