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
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