Preston Combs, Mortgage Loan Originator

Home
United States
Flagler Beach, FL
Preston Combs, Mortgage Loan Originator

Real estate finance made easy.🏡
🌊 W.A.V.E Team 🌊
Need a home loan? Call Preston Combs 📞

NMLS #2642374

03/09/2026

🏡 Monday Mortgage Minute

“Your Rent Might Be Higher Than a Mortgage.”

Here’s a quick reality check for this week:

Many people assume buying a home is way more expensive than renting.
But in many cases… that’s just not true.

Let’s look at a quick example 👇

💰 Average Rent in Central Florida: $2,100/month
🏠 Example Mortgage Payment: $1,900–$2,200/month

And when you own:

✔ You build equity
✔ Your payment becomes predictable
✔ Your home can increase in value
✔ You’re investing in your future — not your landlord’s

The biggest myth I hear every week is:

❌ “I need 20% down to buy.”

Truth is — many programs allow 3–5% down, and some even offer down payment assistance.

📌 The best first step isn’t Zillow… it’s getting pre-approved.

You might be closer to owning than you think.

📞 Need a Home Loan? Call Preston Combs

03/06/2026

🏡 Friday Mortgage Tip with Preston Combs

Thinking about buying a home this year? Here’s something many buyers don’t realize:

Your interest rate isn’t based on just one thing.

Lenders look at a few key factors when pricing your rate:

✔️ Credit Score – Higher scores usually mean better rates
✔️ Loan Type – FHA, VA, Conventional all price differently
✔️ Down Payment / Equity – More skin in the game can improve pricing
✔️ Debt-to-Income Ratio – Lower debt can strengthen your profile
✔️ Market Conditions – Rates move daily based on the bond market

The good news?
A 10–15 minute conversation can often identify simple ways to improve your loan scenario before you even start house hunting.

If you’re planning to buy in 2026, getting a game plan early can make a huge difference.

📲 Need a Home Loan? Call Preston Combs
Let’s map out the best strategy for you.

03/05/2026

🏍️ Daytona Bike Week is Here!

Thousands of riders roll into Daytona this week chasing freedom, sunshine, and the open road. There’s nothing quite like the sound of motorcycles cruising down A1A and the energy all around town.

And just like riding — homeownership is about the freedom to go your own way.

Whether you’re:
🏡 Buying your first home
🔁 Thinking about refinancing
💰 Looking to tap into equity

Having the right loan strategy can make the ride a lot smoother.

If you’re in Daytona for Bike Week and start thinking about putting down roots here in Volusia or Flagler County, I’m always happy to help guide the way.

📞 Need a Home Loan? Call Preston Combs

Enjoy the ride and stay safe out there this week!

03/02/2026

🏡Monday Mortgage Minute

The 3 Biggest Mortgage Myths I Hear Every Week

After talking with buyers across Volusia & Flagler County, these 3 come up constantly:

❌ Myth #1: “I need 20% down.”

Not true.

• FHA = 3.5% down
• Conventional = 3–5% down
• VA & USDA = 0% down

20% avoids PMI — but it is not required to buy a home.

Waiting to save 20% could mean missing years of appreciation and equity growth.

❌ Myth #2: “My credit isn’t good enough.”

You might be closer than you think.

Many loan programs allow scores in the low 600s.
And sometimes a simple 30-day strategy can improve your score enough to qualify.

Don’t self-reject before running the numbers.

❌ Myth #3: “I should wait for rates to drop.”

If rates drop significantly:

Demand increases.
Competition increases.
Prices often increase.

You can refinance a rate.
You can’t renegotiate your purchase price later.

Trying to perfectly time the market usually delays wealth-building.

Bottom Line:

The biggest obstacle for most buyers isn’t income or opportunity.

It’s misinformation.

If you’re thinking about buying in 2026 — even “just exploring” — let’s build a strategy.

Message me “PLAN” and I’ll break down what’s possible for you

02/25/2026

🧠 Wednesday Wisdom

Most people think mortgage rates are random.

They’re not.

Mortgage rates move based on:
• Inflation
• The 10-Year Treasury
• Federal Reserve policy
• The bond market

That’s why they change daily.

Now here’s what matters 👇

If you bought in the last 2–3 years and your rate starts with a 7%, even a small drop could make a difference.

Example on a $400K home (5% down):

🔻 7% → 6.5%
≈ $125/month saved

🔻 7% → 6%
≈ $248/month saved

🔻 7% → 5.5%
≈ $370/month saved

That’s real money back in your pocket every month.

Refinancing isn’t always about chasing the lowest rate.
It’s about improving your position.

If your rate is above 6.8% and you purchased in the last 36 months, it might be worth reviewing your options.

No pressure. Just math.

📩 Message me if you want me to run the numbers for you.

02/23/2026

🎙️ Monday Mortgage Minute

🏡 What Actually Impacts Your Mortgage Rate?

A lot of people think rates are the same for everyone.

They’re not.

Here are the 5 biggest factors that determine your rate:

1️⃣ Credit Score – Higher score = better pricing.
Even a 20-point swing can make a difference.

2️⃣ Down Payment / Equity – More skin in the game lowers lender risk.

3️⃣ Loan Type – Conventional, FHA, VA, USDA all price differently.

4️⃣ Debt-to-Income Ratio – The tighter your budget, the riskier the loan.

5️⃣ Market Conditions – Inflation, jobs reports, and the bond market all move rates daily.

💡 The key takeaway?

Two people buying the same house can get two completely different rates.

That’s why strategy matters.

If you’re thinking about buying, refinancing, or just want to see where you stand — let’s build a plan.

📲 Message me “RATE” and I’ll break it down for your scenario.

02/18/2026

🏈 Wednesday Wisdom 🏡

You don’t wait until game day to start training.

Home buying works the same way.

✔️ Check your credit
✔️ Know your budget
✔️ Get pre-approved

When the right house hits the market… you’re ready to win. 🏆

Preparation beats hesitation every time.

📲 If you’re thinking about buying this year, let’s build the game plan.

Need a Home Loan? Call Preston Combs🏡

02/17/2026

🎉 REFI CLOSED! 🎉
Another homeowner just improved their situation and put themselves in a stronger financial position. 💪🏡
Refinancing can mean:
✔️ Lower monthly payment
✔️ Reduced interest rate
✔️ Better loan structure
✔️ More breathing room each month
Quick question 👇
Did you buy in the last 36 months and have a rate over 6.8%?
If so, it might be worth a quick call. You could potentially save some serious money.
📲 Message me or give me a call — I’ll run the numbers.

Need a Home Loan? Call Preston Combs!🏡

#

02/16/2026

🏡 Monday Mortgage Minute

With Preston Combs | 🌊

Everybody’s saying:
“I’m waiting for rates to drop…”

But here’s what most people aren’t thinking about 👇

Let’s say you’re looking at a $400,000 home.

If home prices rise just 5%, that same home becomes $420,000.

That’s $20,000 more — instantly.

Now imagine rates DO drop…

• More buyers jump back in
• Competition increases
• Multiple offers return
• Prices climb even higher

Here’s the strategy smart buyers are using right now:

✅ Buy while competition is lower
✅ Negotiate better terms
✅ Refinance later if/when rates improve

You can always refinance a rate.
You can’t renegotiate the price you paid.

The real question isn’t “Will rates drop?”
It’s: “What will prices be when they do?”

If you’re even thinking about buying in 2026, let’s run the numbers for your situation and build a smart game plan.

📲 Message me “PLAN” and I’ll break it down for you.

02/10/2026

🎉 Another One Closed! 🏡

Huge congrats to our buyers on officially getting the keys! 🔑
Thank you for trusting The W.A.V.E. Team to guide you through the process—we’re honored to be part of this milestone.

Big shoutout to our Realtor partners for the teamwork and smooth ride to the finish line 🤝

If you’re thinking about buying, refinancing, or just want to game-plan your next move—
📲 Let’s make it happen. Come ride the W.A.V.E.

Address

408 S Central Ave.
Flagler Beach, FL
32136

Website

http://Floridamortgage.loan/

Alerts

Be the first to know and let us send you an email when Preston Combs, Mortgage Loan Originator posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Want your business to be the top-listed Finance Company in Flagler Beach?