Lindsay Fretina NMLS #1449525

09/09/2026

When a seller is motivated, they're often open to more than just a price reduction. They may negotiate on closing costs. They may consider funding a rate buydown, which could lower your interest rate for the first one to three years of your loan. They may work with you on your timeline.
Seven consecutive months of falling asking prices nationally, means this isn't a blip. Sellers in this segment have been sitting longer than they expected. That's leverage for a prepared buyer.

The buyers winning right now aren't just finding the right home. They're structuring the right deal. DM me and let's talk about what that looks like.

Source: Realtor.com Monthly Housing Trends Report 2026.
Note: Market conditions vary. Seller concessions, buydowns, terms, and eligibility are subject to applicable guidelines.

09/09/2026

You know me as the girl who does mortgages… but there’s a LOT more to me than loan applications 😂🩵

I realized I spend a lot of time talking about homes, rates, real estate and helping people make big moves, but I don’t always share the person behind all of that.

So, here’s a little “Linds outside of work”👇🏼

Boy mom. Boat lover. Slightly obsessed with home projects. Professional overthinker. Lover of sunshine, travel, pickleball, my crazy dog, and a good excuse to get on the water. 🌊☀️

09/07/2026

The best part of a day like today isn't the plans. It's not having any. Happy Labor Day. You earned it.

09/07/2026

5.0 star review received on Experience.com for Lindsay Fretina by Tyler S - Good communication. Great overall experience.

Click to see all 164 reviews of Lindsay Fretina, Loan Officer

09/06/2026

5.0 star review received on Experience.com for Lindsay Fretina by Katie S - Lindsay made sure we knew what was happening every step of the way! Couldn't ask for a better loan officer!

Click to see all 164 reviews of Lindsay Fretina, Loan Officer

09/03/2026

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

09/02/2026

National housing headlines don't always tell the whole story.

According to Zillow Research, starter-home inventory increased 4.5% year over year in June, while luxury-home inventory declined 5.2%.*

That could mean more options for some buyers searching at lower price points. Zillow also found that price cuts were more common among starter homes, with 25% of listings receiving a price cut in June. Market conditions can vary significantly by location, so what's happening nationally may look very different in your area.

Reach out to learn more about the inventory available in your area and price range.

*Source: Zillow Research, “Starter Homes Are Piling Up While Luxury Homes Fly Off the Market,” July 29, 2026. Starter homes are defined by Zillow as homes in the 5th–35th percentile of home values in a given region. Market conditions vary by location and are subject to change.

09/01/2026

The reason most people don't grow their investment portfolio isn't opportunity, it's capital. Every dollar tied up in a down payment is a dollar that can't go toward the next deal. Investor Plus was built for exactly that problem. As little as 10% down on an investment property, no mortgage insurance on single units, short-term rental eligible.

If you've been waiting until you have enough, let's figure out what enough actually looks like. DM me.

Note: For qualified borrowers. Additional restrictions apply. Must meet all loan program and borrower requirements.

08/31/2026

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

08/28/2026

Back-to-School Pop Quiz!
Do you need:
❌ Perfect credit?
❌ 20% down?
❌ Everything figured out?

Not necessarily.

One of the biggest homebuying misconceptions is thinking you're not ready when you may be closer than you realize. If you've checked a few items on this Homebuyer Checklist, it might be time to explore your options and see what's possible.