Dennis Fields - NMLS# 1407951 - Your Local Mortgage Pro

Dennis Fields - NMLS# 1407951 - Your Local Mortgage Pro 🏡 Mortgage Magician 🪄 | Turning "I wish" into "I own" since the early 2000s. When I'm not saving people from high rates, I'm saving myself from my kids.

Jets fan 🏈 (yes, I know…) and your go to for $0 to low $$$$$ down home loans. Let's talk mortgages!

When a seller is motivated, they're often open to more than just a price reduction. They may negotiate on closing costs....
09/09/2026

When a seller is motivated, they're often open to more than just a price reduction. They may negotiate on closing costs. They may consider funding a rate buydown, which could lower your interest rate for the first one to three years of your loan. They may work with you on your timeline. Seven consecutive months of falling asking prices nationally, means this isn't a blip. Sellers in this segment have been sitting longer than they expected. That's leverage for a prepared buyer.

The buyers winning right now aren't just finding the right home. They're structuring the right deal. DM me and let's talk about what that looks like.

Source: Realtor.com Monthly Housing Trends Report 2026. Note: Market conditions vary. Seller concessions, buydowns, terms, and eligibility are subject to applicable guidelines.

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touch...
09/08/2026

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touching your current mortgage rate. From September 8-22, qualified homeowners get .25% points off their HELOC rate. Message me to see what it looks like for you.

*Borrower qualification is required. This is not a commitment to lend. Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency. Offer may be modified or discontinued at any time without notice. Subject to credit approval and program availability. Reach out to a loan officer for the full list of programs eligible.

09/08/2026

🏈 BUYING A HOME IN 2026 REQUIRES A GAME PLAN.

Homebuyers are facing a tough defense right now:

🏠 Home prices
📈 Mortgage rates
💰 Closing costs
🛡️ Homeowners insurance
🏛️ Property taxes
💳 Existing monthly debt
💵 Finding the money for down payment

That's why getting approved isn't the only goal.

We need to make homeownership AFFORDABLE.

As your Mortgage Quarterback, I'm looking at the entire field.

Your winning play could involve:

🏈 Down-payment assistance
🏈 Seller-paid closing costs
🏈 Rate buydowns
🏈 FHA, VA or USDA financing
🏈 Conventional financing
🏈 Credit improvement
🏈 Debt reduction
🏈 A different price range or property type

And sometimes the smartest play is preparing today so you're ready to buy 3, 6 or 12 months from now.

Great quarterbacks don't call the same play for everybody.

They read the defense.

If you've been sitting on the sidelines because you think you can't afford a home—or another lender has already told you NO—let's take another look.

🏈 Let's build YOUR game plan.

📅 Schedule a strategy call:
https://calendly.com/dennisfieldsmortgagepro

📝 Ready to start?
Complete my secure mortgage application:
https://dennisfieldsmortgagepro.com

Dennis Fields | NMLS #1407951
Your Local Mortgage Pro | Movement Mortgage

All loans subject to approval. Equal Housing Lender.

The best part of a day like today isn't the plans. It's not having any. Happy Labor Day. You earned it.
09/07/2026

The best part of a day like today isn't the plans. It's not having any. Happy Labor Day. You earned it.

09/04/2026

You've been lied to about the housing market. Here's what the data actually shows. 👇

Everyone keeps saying now is the worst time to buy. But the numbers tell a completely different story.

"There's nothing in my price range."
Entry-level home inventory rose 4.5% year over year in June while luxury inventory fell 5.2%. More affordable homes are available right now — and fewer people are competing for them. Source : July 29, 2026 /PRNewswire/ New Zillow® data "Sellers are overpriced and won't budge."

Asking prices have dropped for nine consecutive months nationally. One in four sellers cut their price in June before a buyer even made an offer. Sellers are more open to negotiating on price, closing costs, and terms than they've been in years — and Movement offers buydown options that sellers can fund as part of the deal to lower your payment early on. Source: Realtor.com, research. July-2026-data.

"I'll lose to investors every time."
Large corporate investors have largely stepped back after new federal rules restricted them from buying existing housing stock. Today 96% of investor-owned single-family homes belong to small individual investors. The playing field has shifted in your favor. Source: BatchData, Q2 2025 Investor Pulse.

"Rates make it unaffordable."
Household incomes grew 4.6% last year while the median monthly mortgage payment actually fell slightly. A mortgage takes up a smaller share of take-home pay than it did a year ago. And with down payment assistance available, you may not need as much saved as you think. Source: Bureau of labor statistics. U.S. Department of labor. USUAL WEEKLY EARNINGS OF WAGE AND SALARY WORKERS SECOND QUARTER 2026. July 21, 2026

The market is more favorable for everyday buyers than the headlines suggest. You just have to know where to look.

📲 Find out what's actually possible for you right now.

Disclaimer : Note that Any actual Seller Credit is paid at closing and is subject to interested party contribution limits. Actual Seller Credit amounts are agreed upon solely between the Seller and the Borrower(s).

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own busines...
09/03/2026

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

National housing headlines don't always tell the whole story. According to Zillow Research, starter-home inventory incre...
09/02/2026

National housing headlines don't always tell the whole story.

According to Zillow Research, starter-home inventory increased 4.5% year over year in June, while luxury-home inventory declined 5.2%.

That could mean more options for some buyers searching at lower price points. Zillow also found that price cuts were more common among starter homes, with 25% of listings receiving a price cut in June. Market conditions can vary significantly by location, so what's happening nationally may look very different in your area.

Reach out to learn more about the inventory available in your area and price range.

*Source: Zillow Research, “Starter Homes Are Piling Up While Luxury Homes Fly Off the Market,” July 29, 2026. Starter homes are defined by Zillow as homes in the 5th–35th percentile of home values in a given region. Market conditions vary by location and are subject to change.

09/01/2026

Worried you can’t afford to buy a home? Before you decide, take a look at what you’re already spending on rent. You might be closer to homeownership than you think. Let's see what your options look like.

The reason most people don't grow their investment portfolio isn't opportunity, it's capital. Every dollar tied up in a ...
09/01/2026

The reason most people don't grow their investment portfolio isn't opportunity, it's capital. Every dollar tied up in a down payment is a dollar that can't go toward the next deal. Investor Plus was built for exactly that problem. As little as 10% down on an investment property, no mortgage insurance on single units, short-term rental eligible.

If you've been waiting until you have enough, let's figure out what enough actually looks like. DM me.

Note: For qualified borrowers. Additional restrictions apply. Must meet all loan program and borrower requirements.

The mortgage market has an important test coming this Friday. 🏡📊Mortgage rates barely changed last week, with Freddie Ma...
08/31/2026

The mortgage market has an important test coming this Friday. 🏡📊

Mortgage rates barely changed last week, with Freddie Mac's national 30-year fixed average sitting around 6.66%.

But underneath that calm number, there is a tug-of-war happening.

📉 Job growth has weakened
📉 Economic growth has slowed
🏠 Home sales remain soft

BUT…

📊 The Fed's preferred inflation measure is still running above its 2% goal
📈 The 10-year Treasury remains stubbornly elevated
💵 Consumers are still spending

That's why mortgage rates haven't simply fallen in a straight line.

And this Friday we get the August jobs report, which could move mortgage pricing in either direction.

So here's what I'm telling homebuyers:

Don't build your entire homebuying plan around predicting interest rates.

Build around what you can control:

✅ Purchase price
✅ Credit profile
✅ Loan program
✅ Down-payment assistance
✅ Seller or builder concessions
✅ Cash to close
✅ Rate-lock strategy

Here's another interesting number:

New-home inventory nationally reached approximately 9.6 months of supply in July.

That tells me buyers should be asking builders—and sellers—what opportunities may exist to improve the entire transaction, not simply asking, “What's the rate?”

If you've been thinking about buying—or another lender has already told you NO—let's take a look at the full picture.

Dennis Fields | Your Local Mortgage Pro
Movement Mortgage
NMLS #1407951
Serving NC, SC & VA

Apply: dennisfieldsmortgagepro.com
Schedule: calendly.com/dennisfieldsmortgagepro

Rates and market conditions are subject to change without notice. Information is for educational purposes only and is not a commitment to lend or guarantee of any rate or loan program. All loans subject to approval. Equal Housing Lender.

Address

620 Green Valley Road, Ste 208
Greensboro, NC
27408

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Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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