Jeff Kenney Loan Originator

10/13/2026

Big change coming to appraisals — and most people have no idea it's happening.

On November 2nd, Fannie Mae and Freddie Mac — the agencies behind most conventional loans — retire the old appraisal forms and switch to one flexible report called UAD 3.6.

What changes: (1) Square footage gets measured one way — the ANSI standard. Above-grade and below-grade are separated, so a different number than your tax records isn't an error. (2) Condition and quality get scored separately, inside and out. (3) More detail and photos — renovations, solar, ADUs, comps documented more closely.

The value math isn't changing, and lenders get a grace period through May 2027 — so this shouldn't slow your closing or cost you extra. Note: the Nov 2 date is conventional-only. FHA hasn't set a date; VA/USDA have no timelines.

📩 DM me "APPRAISAL" if you want the plain-English version of how this affects your deal.



NMLS #863255 | Equal Housing Opportunity

10/10/2026

Your neighbor's mortgage rate tells you NOTHING about what yours would be. Here's why 👇

Every time rates move, I get asked: "Jeff, what's the rate today?" Straight answer: the headline rate on the news is the least useful number in your home search.

Your rate is built from your picture — your credit, your loan type, your down payment, the property, and timing. Two buyers on the same street can close the same week with completely different rates.

That's why I don't hand out generic quotes. I build the breakdown around you and show you the math behind it.

Curious where you'd land? DM me "RATE" and I'll walk you through it.



NMLS #863255 | Equal Housing Opportunity

10/06/2026

Important changes coming to how credit pulls work for mortgages. 🏡

The agencies behind most conventional loans are moving from 3 bureaus to 2 — fewer pulls, lower closing costs. And it changes how your score gets picked for qualifying: instead of the middle of 3, it'll be the lower of 2.

If you've been working on your credit, timing matters. More to come when it's official.

NMLS #863255

10/02/2026

If you have a conventional loan and you're paying PMI, this one matters.

On September 16th, Fannie Mae changed its rules: your loan servicer is now allowed to contact you and tell you that you might qualify to drop your mortgage insurance based on your home's current value.

Before this, the rulebook literally said they "must not" call you about it. The call was banned — not the cancellation. You could always cancel. You just had to know to ask.

How PMI goes away:
• At 80% loan-to-value, you can request PMI removed.
• At 78%, federal law says it drops off automatically.

If your home went up in value, a new appraisal could already show 20% equity — even if you put 5 or 10% down. No refinance needed.

Servicers are allowed to call you now, not required to — don't wait for a call that may never come.

📩 Message me "PMI" and I'll run your numbers and tell you whether it's worth asking.



NMLS #863255 | Equal Housing Opportunity

11/23/2024

08/13/2024

Im looking for a mortgage broker in the state of Connecticut that I could hang my license with. Can not be licensed in AZ, CA, FL, OR, NM, TX

05/27/2024

Home of the free, because of the brave. Today we honor and remember those who paid the ultimate sacrifice for our freedom.

05/24/2024

Are you in the homebuying process but don’t know what do next? Take a look at this Homebuyer checklist!

05/22/2024

Mortgage term of the week!

05/20/2024

The amount of money a homebuyer puts down to purchase a home hit a historic high at the end of 2023, but that sum is finally falling! See how much you need to put down to purchase a home!

There's good news for buyers hoping to hit the spring housing market: How much you have to put down to snag a home has fallen.