Jaime Reyes, Mortgage Broker, NMLS #2386261

11/02/2026

Agents: know the seller-credit limits before writing the offer.

A negotiated credit may help cover eligible closing costs, discount points for a permanent buydown, an approved temporary buydown, or a permitted combination.

The maximums shown are program ceilings—not guaranteed credits. Buyer and seller negotiate the actual amount, subject to eligible costs and program/lender rules.

When discussing a $5k–$20k seller credit, compare the buyer’s upfront cash needs with the full ongoing payment.

A 2-1 buydown temporarily subsidizes the buyer’s principal-and-interest payments. The note rate stays unchanged. Plan for the full note-rate payment after the subsidy ends, plus taxes, insurance and any mortgage insurance.

Credits cannot replace a required down payment or become unrestricted cash back.

Send me the scenario before you finalize the seller-credit request. Let’s build a plan around your buyer’s goals.

USDA figures apply to loans through approved private lenders, excluding USDA Direct.

Jaime Reyes | NMLS #2386261
Reyes Home Lending | Sponsored by Ease Mortgage
Company NMLS #2273319 | (307) 871-0606
ReyesHomeLending.com | EaseMortgage.com

Education only; not a loan offer or rate quote. Availability and eligibility vary. Equal Housing Opportunity.

11/01/2026

10/30/2026

UNDER CONTRACT in Fort Bridger! 🏡

Fort Bridger, WY

Congratulations on this exciting milestone! One step closer to home—and the next chapter ahead.

Planning a move of your own? Let’s talk about your home financing options.

Jaime Reyes | Reyes Home Lending
NMLS #2386261
Sponsored by Ease Mortgage | Company NMLS #2273319
(307) 871-0606 | ReyesHomeLending.com

10/28/2026

A national housing headline needs a local second step.

FHFA’s July 2026 national house-price index rose 2.6% from July 2025; that report was released September 29. FHFA report: https://www.fhfa.gov/reports/house-price-index/2026/9. Census/HUD’s August new-home report showed 8.5 months’ national supply, released September 24. New-home report: https://www.census.gov/construction/nrs/pdf/newressales_202608.pdf.

These are historical snapshots of different things. Neither sets a particular home’s value or today’s neighborhood inventory.

For a decision, pair current local comparable sales and listings with the property’s ownership costs and your timeline. Buyers, sellers and referral partners: bring the specific question to our conversation so the financing review fits the property decision.

Jaime Reyes | NMLS #2386261

10/26/2026

More flexible verification still means verification.

Fannie Mae’s October 7 update lets lenders choose an employment-verification method that is appropriate, supportable and checkable. The established timing requirements remain. October announcement: https://singlefamily.fanniemae.com/media/document/pdf/announcement-sel-2026-09-selling-guide-updates.

Why it matters: a file can still need an employment check late in the process, and the lender must resolve changes or discrepancies. Fannie Mae verification guidance: https://selling-guide.fanniemae.com/sel/b3-3.1-04/verbal-verification-employment.

Planning a job change, start date or change in pay? Bring it into the conversation early. Ask which records the lender needs and how your timeline fits. Please arrange document delivery through the appropriate channel, rather than social messages.

Jaime Reyes | NMLS #2386261

10/21/2026

Keeping the old home as a rental? Start with the rule timeline.

Fannie Mae’s rental-income update is required for applications dated December 1, 2026 onward; early lender adoption is permitted. Revised September 23 announcement: https://singlefamily.fanniemae.com/media/document/pdf/announcement-sel-2026-08-selling-guide-updates.

For departing residences, the new framework focuses on supported market rents and reserves, with qualifying rental income limited to offsetting that property’s housing obligation. Fannie Mae departing-residence guidance: https://selling-guide.fanniemae.com/sel/b3-3.8-05/rental-income-non-subject-property-departing-residence.

An October plan needs a lender-specific check. Before deciding to sell or retain the property, discuss the documentation, application date and financial cushion with me. An announced change does not establish your eligibility.

Jaime Reyes | NMLS #2386261

10/20/2026

A useful loan comparison has more than one number.

Open the Loan Estimates side by side. Check the total monthly payment, lender charges, points or credits, and cash to close. Keep the loan scenario consistent and ask about differences in the estimates. CFPB comparison guidance: https://www.consumerfinance.gov/owning-a-home/compare/compare-loan-estimates/.

Cash to close also reflects your down payment, deposits and applicable credits; it is different from the savings you plan to keep afterward. CFPB Loan Estimate explainer: https://www.consumerfinance.gov/owning-a-home/loan-estimate/.

Buyers and referral partners: use the graphic as a conversation checklist. Contact me to discuss your priorities and arrange a review through an appropriate channel.

Jaime Reyes | NMLS #2386261

10/15/2026

A mortgage-rate headline cannot price your loan.

National mortgage benchmarks summarize a defined research sample. They do not show the complete terms available for your circumstances. Freddie Mac explains its benchmark methodology:
https://www.freddiemac.com/research/insight/20221103-freddie-macs-newly-enhanced-mortgage-rate-survey

Ask for a written comparison using the same loan scenario and comparison date. Review the interest rate and annual percentage rate (APR), lender charges, upfront costs, and lock terms. CFPB comparison guidance:
https://www.consumerfinance.gov/owning-a-home/compare/compare-loan-estimates/

Rates discussed are for educational purposes only. This is not a proposal or commitment to lend. Rates and terms are not guaranteed or available to every borrower. Reach out for a personalized quote.

Contact Reyes Home Lending to discuss your goals and the questions worth asking. Please arrange an appropriate delivery channel before sharing financial documents.

Sponsored by Ease Mortgage
Company NMLS #2273319
Jaime Reyes | NMLS #2386261
ReyesHomeLending.com