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Adam Stempin/ UMortgage

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United States
Fredericksburg, VA
Adam Stempin/ UMortgage

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Providing opportunities for low rates, hassle-free mortgages for buying or refinancing a home throughout VA & MD

NMLS 1199494/1892115
(www.nmlsconsumeraccess.org)

11/03/2026

Think VA buyers can't get seller help? Think again. 🇺🇸

VA loans let sellers contribute up to 4% of the home's value toward your closing costs, including the VA funding fee, prepaids, and escrows. Sellers can also use part of it for a rate buydown. How much you get depends on the home, the market, and what you negotiate, so every deal is different.

Many veterans leave this on the table simply because nobody mentioned it. Save this for your next home search, and send me a message if you'd like to talk through how it could work for your situation.

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

11/03/2026

When a past client starts thinking about selling, who hears first? 🤔

In the Homeowner Portal, one tap on "I want to sell" emails you (and me) with their contact info and address.

Partner with me → it's free.

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

11/02/2026

Kind words from a recent client mean a lot. They shared that the process felt supported, responsive, and professional from start to finish. If you are thinking about buying a home or have questions about financing, send me a message anytime.

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

11/02/2026

VA buyers: Want more room without giving up your privacy—or your internet?

This one deserves a look. 👀

90 Chaffin Ln | Victoria, VA
5 bedrooms | 3 bathrooms | 2,652 sq. ft.

Built in 2020, this home offers an open layout, a main-level primary suite, and a walkout basement with two additional bedrooms.

Outside? Open acreage, a gated driveway, room to garden, and a front porch made for sunset watching. Plus, fiber internet keeps you connected.

Listed by Lisa Novak

11/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates ended the week slightly lower for the fourth straight week, although once again it wasn't a smooth ride. Rates crept higher after Wednesday's Fed meeting before improving Thursday and Friday as AI and tech stocks sold off and investors moved money into bonds.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Mortgage rates could continue to improve this week, but they'll need some help from weaker jobs data and falling oil prices. While we could see rates move a little lower, don't expect any big drops. Instead, we could see more of the gradual improvement we've seen throughout October.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
•Labor data: It's a big week for jobs data, with Friday's BLS jobs report likely to have the biggest impact on mortgage rates. Weak numbers could help rates, while strong numbers could push them higher.
•Oil: Oil prices are starting the week lower on hopes for a U.S.-Iran deal, but concerns about possible military action after the midterms could push prices higher again.
•Stocks: AI and tech stocks could continue to influence rates this week. More selling could help mortgage rates improve, while a rebound could push rates higher.

11/02/2026

Fredericksburg military families, if 6% rates have you thinking about pausing, let's take a calmer look first. VA loans can still offer things many conventional loans don't: no down payment for eligible buyers and no monthly mortgage insurance. For relocating service members, that can make a real difference in your monthly budget. Down the road, a VA streamline refinance (IRRRL) may be an option if rates ease, and some VA loans are assumable, which can be helpful during PCS moves. Every situation is different, so I always review your specific numbers before suggesting next steps. Save this for later, and send me a message if you'd like my IRRRL checklist for Fredericksburg relocations. 🏡

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

11/01/2026

Think using your VA loan once locks you out after a PCS? That's a common myth. Your entitlement doesn't disappear after the first purchase. Whatever entitlement you have left can go toward a second VA loan, which may let you keep the first home as a rental and buy near your new duty station. How much you can borrow with no down payment depends on your remaining entitlement and local loan limits, so it's worth running the numbers early. Having your PCS orders ready helps show the move is required. Save this for when your orders hit, and send it to a fellow service member who's getting ready to move. 🏠

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

10/31/2026

Think using your VA loan once locks you out after a PCS? It often doesn't. Depending on how much entitlement your first loan used, you may still have room for a second VA loan on your next home. Some veterans keep the first home as a rental. Your PCS orders help show the move is required, but the lender still reviews your full entitlement, income, and the property before anything is decided. Every situation is different, so talk with a lender early, before the move is on a deadline. Save this for when those orders hit, and send it to a veteran who's been told no.

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

10/31/2026

Mortgage rates ended the week a little lower, with the 30-year fixed at 7.24%, down 0.08 from last week.

Rates follow mortgage bonds, the investments that home loans get bundled into. When more investors want those bonds, their prices go up and rates tend to ease. That's what happened this week. A selloff in tech stocks sent money toward safer places like bonds, which finished today up and had one of their better weeks of 2026.

In everyday terms, the 15-year fixed is at 6.60%, also down 0.08 from last week. Rates can change from day to day as news and economic reports come out, and next week has a full calendar of them, including the jobs report on Friday.

Questions about your situation? Send me a message.

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

10/30/2026

Your VA purchase just went under contract, and now the latest comps have you second-guessing? That feeling is more common than you think. Here's what I'd do. Pull recent sales in the neighborhood yourself instead of relying on one person's opinion, then compare those numbers to your contract price to see where the gaps are. Next, confirm your appraisal value and ask your lender how a lower price would affect your loan-to-value ratio and VA funding fee. These two checks can clear up a lot of the fog. Save this for when the doubt creeps back in, and send it to a friend who's buying with a VA loan. Questions? Message me anytime. 🏡

Adam Stempin · NMLS #1892115
UMortgage powered by NEXA · NMLS #1660690
NEXA Lending
3100 West Ray Rd Ste 201 Office #209
Chandler, AZ 85226
For informational use only. This is not a guarantee to lend. Subject to borrower and credit approval. UMortgage LLC DBA NEXA NMLS 1660690. This is not an offer or credit or commitment to lend. For licensing, visit www.nmlsconsumeraccess.org.

Address

Fredericksburg, VA
22401

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8:15pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	8am - 8pm
Sunday	8am - 8pm

Telephone

+15402725927

Website

http://www.adamstempinmortgage.com/

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