Alyssa D’Andrea

12/16/2025

There’s a big difference between being rich and being wealthy!

Real wealth isn’t flashy or complicated.
It’s intentional.
It’s stewarded well.
It’s built with wisdom...not rushed decisions.

As a mortgage professional, my goal isn’t just to help you buy a house, it’s to help you build long-term wealth, ownership, and peace of mind.

That means:
- Clear guidance (no spinning)
- Educated decisions
- Sustainable financing
- Putting people over transactions

To my clients: thank you for trusting me with one of the biggest financial decisions of your life.
To my realtor partners: thank you for leading with integrity and serving, not selling.

Let’s keep growing people, not just numbers.

12/04/2025

REFINANCE CLOSED! 🥳

This client came to me wanting to consolidate bills and free up cash. We were able to lower their rate, reduce their monthly expenses and still get them money back for a rainy day fund. As a loyal Texas Longhorns fan, he’s now set to enjoy the season with more savings and a clearer path to paying off his home sooner.

Who else's dog is like a big stuffed animal?? This is Cash! 🐶

12/01/2025

🏡 JUST CLOSED! 🎉

So excited to celebrate another happy homeowner! Helping people find a home that fits their goals is why I love what I do.

My client originally wanted to look for a duplex so he could rent out one side and have it help cover his mortgage. He was very knowledgeable about what rentals in the area were going for and had a specific monthly payment in mind. We started by looking at different purchase prices, down payments, and rate options to see what would work best. Once his numbers were clear, he could shop with confidence.

The duplexes just weren’t lining up, but his awesome realtor had a great idea, to look for single-family homes with a basement that could be rented out. And guess what? They found one! It had a separate basement entrance and was recently renovated, so it was move-in ready. He couldn’t have been happier!

We double-checked the numbers before putting in an offer to make sure the rental income would meet expectations, and everything went smoothly. Clear to close in just 22 days! 🎉

I love helping clients find the perfect home, even when the journey takes a little creative thinking.

Also - check out this giant Christmas bear in front of the new Hudson building in Detroit! 🎄🧸 Perfect for getting into the holiday spirit!

11/20/2025

💰 I LOVE finding ways to save my clients money! 🌿

I recently came across a program that CrossCountry Mortgage offers, and I couldn’t help but share.

Here’s a little context: with a conventional loan, the two biggest factors that affect your interest rate are your down payment and your credit score. These adjustments are called Loan Level Pricing Adjustments (LLPAs) — the lower your score or down payment, the higher your rate, which increases your overall costs.

When I qualify clients, I’m always looking for ways to reduce what’s being added to their rate. Many first-time homebuyer or lower-income programs do this — but what about someone who isn’t a first-time buyer?

CCM has a program called EasyGreen. As long as you’re purchasing a primary residence and your income is at or below the Area Median Income (AMI), you can finance an approved ENERGY STAR® appliance and waive ALL LLPAs.

Affordable ENERGY STAR® appliances for EasyGreen financing include:

Smart Thermostats: $100–$150
Room Air Conditioners: $200–$300
Dishwashers: $400–$500
Washers/Dryers: $600–$700
Refrigerators: ~$500

This means a client could simply add a NEST thermostat and potentially drop their rate by 0.75% or save a couple thousand dollars at closing!

For realtors, this could be the difference between your client qualifying for a conventional loan with a lower credit score or not being a first-time homebuyer or making a big difference in the cost/rate they receive.

This program is available nationwide, including Puerto Rico. This is also possible for a rate and term refinance. An escrow holdback is required for financed improvements.

Check what the average medium income for your area is here: https://ami-lookup-tool.fanniemae.com/

Alyssa D’Andrea
Mortgage Loan Originator
248.804.2314
ccm.com/alyssa-dandrea/
[email protected]
CrossCountry Mortgage, LLC
256 Seaboard Lane, Suite G-102
Franklin, TN 37067
NMLS: Personal 2025308 | Branch 2136693

11/19/2025

🏡 JUST CLOSED! 🎉

Thrilled to help my clients close on their first home in Pennsylvania today!

These first-time homebuyers got lucky enough to go under contract before the home even hit the market. I was able to get them approved for a mortgage with down payment assistance, and working with their realtor, we negotiated seller concessions that allowed them to close with just over $5K out of pocket - what a win!

Even better, we structured their mortgage as a 20-year loan with a rate in the upper 5’s. For first-time buyers, it’s always worth running the numbers: sometimes a 20-year loan can have a similar monthly payment to a 30-year loan, but you pay it off 10 years sooner. In this case, it did, and my clients loved that every payment was putting more toward their principal balance.

My clients are over the moon to finally call themselves homeowners, and I couldn’t be happier for them!

Alyssa D’Andrea
Mortgage Loan Originator
248.804.2314
ccm.com/alyssa-dandrea/
[email protected]
CrossCountry Mortgage, LLC
256 Seaboard Lane, Suite G-102
Franklin, TN 37067
NMLS: Personal 2025308 | Branch 2136693 | Company 30

11/05/2025

✨ Friendly Reminder! ✨

It’s that time again! Make sure to do your annual credit report check! Reviewing your credit regularly helps you catch any errors or discrepancies early, which can save you hundreds (or even thousands) of dollars in the long run.

If you’re planning to apply for a home loan soon, this is especially important because lenders look closely at your credit history, and even small mistakes can impact your approval or rate.

✅ You can pull your free report directly from the only official site:
👉 www.AnnualCreditReport.com

A few minutes today can make a huge difference in your financial future. 💪🏡💳

ACR Home Page

11/04/2025

Brett and I love visiting open houses to see what’s new in home design and to get ideas for what truly makes a space *livable*. I’m all about **practicality**. Those smart, intentional touches that make everyday life just flow a little easier.

This home was full of thoughtful details that really stood out, and I couldn’t resist sharing a few of our favorites! 🏡✨

👉 Comment below with your favorite feature!
💬 This home is still on the market — if you’ve been dreaming about a place like this, send me a message and let’s talk about getting pre-approved so you’re ready when the perfect one comes along.

11/03/2025

Investment Opportunity in Detroit ‼️

This fully renovated four-unit Detroit apartment building features two-bedroom, one-bath units with modern open-concept layouts, contemporary finishes, and all-new systems including plumbing, electrical, windows, roof, furnaces, and hot water tanks. With shared laundry, private rear parking, upper units rented, lower units ready for tenants, and the option to include the next-door lot, this turnkey property is ideal for investors or owner-occupants.

https://www.zillow.com/homedetails/3784-Edison-St-Detroit-MI-48206/88155410_zpid/

Listing Agent:
Esther L Ligon 313-350-7768,
Brookstone, Realtors LLC 248-963-0505

This 4124 square feet Multiple Occupancy home has 8 bedrooms and 4 bathrooms. It is located at 3784 Edison St, Detroit, MI.

10/30/2025

What Impacts Your Credit Score the Most?

Your credit score plays a major role in determining your financial opportunities, from mortgage approvals to interest rates and even insurance premiums. Understanding what drives it can help you make smarter financial moves.

Here’s a breakdown of the key factors:

- Payment History (35%)
The single most important factor. Consistently paying on time builds trust with lenders.

- Credit Utilization (30%)
How much of your available credit you’re using. Keeping balances below 30 percent of your total limit can significantly boost your score.

- Length of Credit History (15%)
The longer your accounts have been open, the better. Your oldest accounts help establish stability.

- New Credit (10%)
Each new credit inquiry can slightly impact your score. Apply strategically and avoid opening multiple accounts in a short period.

- Credit Mix (10%)
A balanced combination of credit cards, installment loans, and mortgages shows you can handle different types of credit responsibly.

Building and maintaining a strong credit score takes time and consistency, but the long-term rewards are well worth it.

10/29/2025

Where is your money better off? In your house or in the market?

Let’s compare two buyers purchasing the same $400,000 home.

Option 1: 20% Down
Down payment: $80,000
Loan amount: $320,000

If the home appreciates 4% per year:
After 5 years, the home is worth approximately $486,000.
That’s an $86,000 gain in value.
With about $35,000 in principal paid down, total equity would be around $121,000.

Your $80,000 is tied up in the property, but it’s stable and secure.

Option 2: 3% Down and Invest the Rest
Down payment: $12,000
Invest the remaining $68,000 into the S&P 500 averaging 8% annually.

After 5 years, that investment would grow to roughly $100,000.

At the same time, the home appreciates just like the first one:
Home value after 5 years: $486,000
Loan balance around $373,000
Total home equity: about $113,000

Results after 5 years

20% Down: $121,000 in equity, $0 in investments

3% Down + Invest the Rest: $113,000 in equity, $100,000 in investments
Total: $213,000

That’s a $90,000 difference in total growth by putting less down and letting your money work for you elsewhere.

A larger down payment provides safety and a smaller monthly payment.
A smaller down payment and investing the difference can build more overall wealth.

Your home builds stability. Your investments build growth.

09/24/2025

Looking to buy a home or refinance but traditional income docs are holding you back? Our Profit & Loss Only Loan Program makes it easier for self-employed borrowers to qualify.

✔ Loan amounts up to $2M
✔ 12 or 24 months P&L accepted
✔ Primary, second home, or investment properties
✔ Interest-only options available

Let’s connect today and explore your options. Send me a message to get started!