Mac Church at Atlantic Coast Mortgage

09/08/2026

🚨 BIG FANNIE MAE RENTAL INCOME UPDATE!
Check out the new Fannie Mae rules for documenting rental income on CONVENTIONAL FINANCING — and there’s a major change for departing residences!
🏡 No lease is needed to use rental income from a primary residence that is being converted to an investment property.
Instead, lenders can establish market rent using an appraisal/Form 1007 or even market analysis tools such as Zillow, Redfin or MLS with at least three comparable rentals.
The gross market rent is then multiplied by 75% when calculating the rental income.
This could make a BIG difference for homeowners who need the rental income from their current home to qualify for their next home!
👇 See the new Fannie Mae rule below.

The lender must document a current housing payment to use any rental income from the departing residence in qualifying1 and must include all documentation used to determine monthly market rents in the loan file. Documentation may include:
a complete appraisal report that includes market rents, or
a Single-Family Comparable Rent Schedule( Form 1007) for the occupied unit, or
market analysis tools to determine the gross rental income amount, such as Zillow, Redfin, MLS, etc. When using these tools, the lender must obtain at least three comparable rental properties. Comparable rental properties should be from within the same market area (including subdivision or project) when possible. When the departing residence is a multi-unit property, the market analysis information should be limited to the borrower-occupied unit.
Note: Lease agreements are not permitted for any departing residence.
In addition, for a multi-unit property, the lender must obtain the most recent year of individual federal income tax returns (IRS Form 1040) to support rental income received for tenant occupied propertieS.

FOR MORE INFO, PLEASE FEEL FREE TO REACH OUT!
[email protected]

09/07/2026

So what is Labor Day?
Labor Day is a federal holiday in the United States celebrated on the first Monday of September to honor and recognize the American labor movement and the works and contributions of laborers to the development and achievements in the United States.[
Beginning in the late 19th century, as the trade union and labor movements grew, trade unionists proposed that a day be set aside to celebrate labor. "Labor Day" was promoted by the Central Labor Union and the Knights of Labor, which organized the first parade in New York City. By the time it became an official federal holiday in 1894, thirty states in the U.S. officially celebrated Labor Day.
Thank you to ALL of our workers, laborers, first responders, healthcare snd teachers for your hard work every day.
This is the hardest working country in the world snd today is a day zo celebrate yourselves and each other.
I am hoping everyone who is not trquired to work today takes the day off to enjoy "their day".

09/07/2026

5.0 star review received on Experience.com for Mac Church by Esteban S - We cannot say enough wonderful things about Mac Church and his entire team! This is our second time working with them, and once again, they exceeded all of our expectations.
Mac and his team first helped us purchase our previous home in Virginia, and after such a great experience, we knew exactly who we wanted by our side when it was time to buy our new home in Orlando, Florida.
What makes this experience even more impressive is that we were able to find and purchase our new home in less than two weeks! From beginning to end, the entire process was incredibly easy, smooth, and stress-free. Mac and his team were always responsive, knowledgeable, professional, and ready to help with every question and every step along the way.
Buying a home—especially while relocating to another state—can feel overwhelming, but they made everything seem effortless. Having a team we already trusted made such a huge difference, and they once again proved why we chose to work with them.
We are extremely grateful to Mac Church and his team for helping us start this exciting new chapter in Florida. After two successful home purchases in two different states, we would absolutely recommend them to anyone looking for a team that truly cares about their clients and knows how to get things done.
Thank you, Mac and team, for helping us find our new home and making the entire experience such a positive one! We would work with you again without hesitation. 🏡❤️

Click to see all 921 reviews of Mac Church, VP, Sr. Loan Officer | NMLS ID #659377

09/02/2026

Do You Really Want to Own a Home?
If your answer is yes, then I want to share something with you—not to pressure you, but because I genuinely don't want to see you miss an opportunity that becomes harder to reach with each passing year.
After more than 22 years helping people become homeowners, I've learned something that isn't always easy to hear:
Waiting usually doesn't make buying a home easier. More often than not, it makes it harder.
Every day I hear people say they're waiting for homes to become more affordable, prices to come down, or interest rates to drop. I completely understand that thinking. On the surface, it sounds like the responsible thing to do.
The challenge is that the market doesn't usually work that way.
Could we see more grants or down payment assistance programs? Absolutely. Those programs can be incredibly helpful.
But they don't solve the biggest issue: the cost of housing continues to rise.
Historically, home values have appreciated around 3% per year. Ironically, that's about the same pace as many annual raises. So while your income may slowly increase, the home you're hoping to buy is often becoming more expensive at roughly the same rate—or faster.
Meanwhile, rent payments continue month after month without building equity, and closing costs, insurance, taxes, and other expenses tend to rise over time as well.
The result?
Standing still doesn't mean you're staying in the same place. It often means you're slowly falling behind.
"I'll Wait Until Rates Come Down."
This is probably the most common thing I hear.
Here's the reality.
The historically low rates we experienced during COVID were exactly that—historically unusual. They were never intended to last forever.
For most of the past 50 years, mortgage rates have commonly lived in the 6% to 7% range. Since I entered the mortgage industry in 2004, that's where they've spent much of their time outside of extraordinary economic events.
The important difference is this:
You can refinance an interest rate later.
You cannot go back and buy today's home at yesterday's price.
That's a one-way street.
There's Another Reason Waiting Can Cost You
Today's housing market is still facing a significant shortage of available homes.
When rates eventually decline, many buyers who have been waiting on the sidelines will jump back into the market at the same time.
That often means:
• More buyers competing for the same home.
• Multiple-offer situations.
• Offers above asking price.
• Fewer seller concessions.
• Less negotiating power.
• And in some cases, buyers may even have to pay their own buyer's agent compensation if a seller chooses not to.
I've already begun seeing some of these trends.
Ironically, many people waiting for a "better market" may actually find themselves buying in a much more competitive one.
Why I'm Telling You This
I'm not sharing this to scare you.
I'm sharing it because I've watched too many people wait...only to call me a year or two later wishing they had started when we first talked.
I don't want that to be your story.
If homeownership is truly one of your goals, then the best thing you can do isn't necessarily buy today.
It's find out if you're ready. And then if you see something you want, then going for it.
That starts with a mortgage application.
There's no obligation to move forward.
You'll receive a personalized review of your situation, including where your credit stands for mortgage financing and, if you're not quite ready, a clear roadmap showing exactly what steps will help you qualify in the future.
Most people are surprised to learn that a mortgage credit inquiry typically has very little impact on their score—often just a point or two, if any—and the information it provides is incredibly valuable.
The application takes about 15 minutes.
Those 15 minutes could save you months—or even years—of wondering whether homeownership is possible.
Why Work With Me?
Over the past 22 years, I've helped thousands of families navigate this process. I've been honored to be voted Best Mortgage Lender in the region for 7 of the past 8 years, consistently rank among the nation's top-producing loan officers, and specialize in helping first-time homebuyers achieve what often feels impossible.
None of those recognitions matter as much as this:
I care deeply about helping people make smart financial decisions and treating them the way I'd want my own family treated.
Let's Find Out What's Possible
If buying a home is still one of your goals, let's take the first step together.
Contact me today to get started on your journey
[email protected]

08/18/2026

In 2020 and 2021, the covid years, were the best two years the mortgage industry ever saw by means of volume and units closed. Just about every homeowner refinanced and purchases were through the roof. At that time, there were over 700,000 Loan Originators in the mortgage industry.
This year, the industry entered 2026 with just 200,306 active originators downf rom 224,000 in 2025.
Next year will most likely see a drop of under 190,000 Loan Originators.
This tells you two things.
1. This is a very difficult job, and only the truly good originators can survive.
2. Automation and eloans have forced many low producing originators out of the business.

Recent figures report that 9% of all loans for purchases are rejected and out of those 5.6% are from on line lenders and 3.4 from human driven lenders.

When selecting a lender to work with, humans still should be your method of choice for helping you buy your biggest purchase ever!

Call now to connect with business.

08/17/2026

Last night I made crab bisque for the very first time and it was amazing. What you see on that spoon is almost all crab meat. There's a little bit of potatoes, corn, celery, carrots, onion and bacon but about 80% crab.
Can't wait to have another bowl tonight!

08/14/2026

This is kind of long so hang on tight.
About 14 years ago I got a call that would change my life. A good buddy of mine contacted me one afternoon and asked, “Hey you up for putting together a golf tournament?”
Let me give you some background. From 2006-2010, I had been highly involved in a charity golf tournament for the Gerry Bertier Foundation for people with spinal cord injuries. Gerry was the real life linebacker from the movie Remember the Titans. After a successful run, I had moved on and thought my work with a charity foundation was done. Until the call. I asked what this charity was all about and Ralph explained that he had a neighbor down the street, Victoria, who wanted to raise money for the ASK FOUNDATION, a charitable organization helping children suffering from cancer. You see, Victoria’s daughter was an Ask Kid, being diagnosed at 2 yrs old with cancer. Her daughter Mackenzie (Mack) was a survivor and Ask had helped her and her family get through the cancer and into remission. Mack had been selling lemonade with a friend, trying to “raise a million dollars” to help other kids who were suffering, as she did. Ralph’s daughter Megan happened to be one of the lemonade peddlers. Well, Victoria knew that not enough lemons on earth would provide enough lemonade for $1million dollars, and she knew that Ralph played a lot of golf, so she called him asking if he thought he could help her put a tournament together to raise money. Ralph didn’t even hesitate and said, “I got the guy. Let me call him.”
So that brings us back to the phone call. After mulling over his request for about 3 seconds, I said, “Sure, let’s do it!” Whenever you are making a commitment to this kind of task, it has to have two things. Your passion to make a difference and something you truly believe in. I have always had a passion for helping kids, and the thought of being able to help even one child, was worth it. Plus, I have had personal family members die from this dreaded disease, so anything I can do to help a kid to try and kick this disease’s butt, I was all in.
What I didn’t know at the time, was that this organization didn’t just help the kids, but it helped the families. I never realized the sacrifice and the toll that it takes on the family of the child with cancer. I didn’t know that there are frequent trips to VCU Oncology, every week, and that a two income household, quickly becomes one. The hospital bills, the costs of everything doubles. To know that ASK was helping the families pay their bills, their mortgages, their gas… I was so appreciative of what they did. And then the kids. The personal attention to them. Therapists, psychologists, spirituality, physical support. All of it coming from one place. They meet the definition of their name. Assistance, Kindness, Support. WHO WOULDN’T want to be in support of something like this?
Another thing that I learned after talking with some child cancer survivors was the physical and mental disabilities that come along with the radiation and chemo. Seizures, learning disabilities, migraines, stuttering, loss of balance, and sometimes loss of limbs. Just because a child rings the bell, doesn’t mean it’s all over. There’s a lifetime of struggles still ahead.
This year, it is 14 years later from that initial phone call from Ralph. To date, we have raised over $540,000 from our “little” golf tournament, and every year, I am more and more passionate, driven and appreciative of what ASK does.
I feel like our fundraiser has become a small part of the community, every year, welcoming back familiar faces and new ones. And meeting people you never knew, giving their time and efforts to volunteering from the goodness of their heart, and golfers, duffers and hackers coming out to Lee’s Hill Golf Club year after year to support us. There’s a sense of belonging of community and an importance of what we are doing, no matter how big or small.
This tournament has become a part of my life and I’m so thankful that Ralph called me that day, and that Victoria called Ralph and that the kids started the lemonade stand.
I hope if any of this moves you, that you will join in the fight against pediatric cancer and help us help the kids.
If you feel like sponsoring, making a donation or even entering the raffle for a week at the beach, I hope this moves you to take action. And if not, I hope you enjoyed the story.

https://secure.qgiv.com/event/fredericksburgaskgolfclassic2026/

08/13/2026

I’ve observed in my career that this time of year, can be one of the best times of the year to negotiate on a home purchase.
Why?
Your competition is distracted due to Vacations, kids going back to school, end of summer plans.
Less competition can mean more negotiating power, closing costs assistance etc.
It doesn't mean you can low ball a new listing by $20,000 but in many instances you can go in $5k less and get all closing costs.

So if the right house comes up before Labor Day, don’t assume you should wait until fall. The LESS COMPETITION, THE BETTER YOUR ODDS of getting the home you want.
You may have more leverage right now than you think!

We can help you figure that out and get you closed before Labor Day!