Maddux Mortgage

09/07/2026

The first round of limited-edition hoodies just landed! 👑

​They’re heading over to for final touches, and nearly the entire batch is already spoken for.

​These are dropping in support of eliminating . We’re locking in final pricing this week, but only a couple remain unclaimed.

​Drop a DM right now with your size if you want to get on the reserve list before they’re gone! 💪

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09/04/2026

September is Realtor Safety Month, and here at Maddux Mortgage, we stand shoulder-to-shoulder with our incredible real estate partners! 🛡️💜

You spend every single day serving home buyers, hosting open houses, and driving the local market forward. But your personal safety should always come first. While you're out there crushing it for your clients, keep these essential safety habits top-of-mind:

Essential Realtor Safety Hacks:📱

The "Buddy System" & Live Tracking: Always share your live location or detailed itinerary with a colleague or family member before showing properties.👥

Client Vetting: Meet new clients at your office or a public space first, or verify their identity before scheduling private property walk-throughs.🚪

Positioning at Open Houses: Never let a visitor get between you and the exit. Keep exterior doors unlocked while you are inside, and follow behind visitors as you guide them through the home.🏦

Pre-Approval First: Require a solid pre-approval letter BEFORE driving buyers around! Not only does this keep you safe by ensuring vetted prospects, but it also saves you valuable time.🤝

Bonus Safety & Deal Support: Our President, Mike Maddux, is always more than happy to tag along on any client meetings or house showings! As a Marine Corps veteran, avid weightlifter, and professional badass, Mike has your back whenever you need extra presence, security, or expert mortgage support on site.

09/03/2026

Is Wall Street officially blocked from buying starter homes? 🏠👇

Congress passed the landmark 21st Century ROAD to Housing Act, placing major federal limits on institutional real estate buyers. Here is what you need to know:

The Key Takeaways:

The 350-Unit Cap: Title X bans large institutional investors (entities controlling 350+ single-family properties) from buying additional residential homes.

Strict Fines: Violators face civil penalties up to $1M per violation or 3x the purchase price.

Timeline: Passed the House 358–32 in June and became law on July 11, 2026. Full enforcement kicks in January 7, 2027.

Market Impact:

Homebuyers: Less direct cash-bidding competition from private equity funds for starter homes.

No Crash: Existing portfolios are grandfathered in, so don't expect an overnight price sell-off.

The Wall St Pivot: Investors are already reallocating capital into Build-to-Rent developments and senior housing, which are exempt.

Call to Action: Do you think this will actually make buying a home affordable for regular families, or will investors just find a workaround? Let me know in the comments! 👇

Mike Maddux
President & Founder
NMLS: 1443024
Maddux Mortgage
NMLS: 2248303
503-548-8788
[email protected]
www.MadduxMortgage.com

09/02/2026

👑 THE KINGDOM HAS RETURNED! 🏰✨

After a year-long hiatus filled with endless textbooks, late-night studying, and a schedule that was straight-up WAY TOO BUSY, the "State of the Kingdom" weekly blog is officially BACK! 📚💪🔥

Balancing school, life, and crushing mortgage goals for our clients was a wild ride, but class is out, discipline never left, and we are back in full force to bring you the sharpest weekly mortgage breakdown in the industry! 📈💜

Here is what you can expect every single week in the newly reinstated State of the Kingdom:

Market Reality Checks: Cutting through the noise to tell you what interest rates, inflation, and market shifts actually mean for your pocketbook. 💰📊

Strategy & Muscle: How to position your credit, leverage equity, or secure a pre-approval that beats out competing offers. 🏋️‍♂️🔑

No-BS Mortgage Education: Breaking down closing costs, appraisal secrets, and underwriting tips into simple, actionable steps. 📝⚡

Whether you are a first-time homebuyer gearing up to rule your own castle 🏰, a current homeowner looking to tap into built-up equity 💵, or a real estate partner wanting bulletproof updates for your clients 🤝—we’ve got your back!

Catch up on our latest Weekly Mortgage Briefing right now on the blog:🔗 https://www.madduxmortgage.com/weekly-mortgage-briefing-august-2026

Let’s get back to work! What burning mortgage question do you want answered in next week’s issue? Drop it in the comments below! 👇💬✨

Mike Maddux
President & Founder
NMLS: 1443024
Maddux Mortgage
NMLS: 2248303
503-548-8788
[email protected]
www.MadduxMortgage.com

August 30, 2026 mortgage rate updates, Treasury yield trends, and buyer negotiation strategies across OR, WA, TX, and FL from Maddux Mortgage.

09/01/2026

When house hunting turns into a total mystery game! 🕵️‍♂️🏠

We’ve all been there: you step into a home tour expecting your dream kitchen, but instead, you’re trying to figure out why there's a shower in the middle of the dining room or why the basement smells like 1984. 😅

Searching for the perfect home takes serious patience, but getting your financing locked down shouldn’t feel like a puzzle! While you're navigating open houses, we do the heavy lifting behind the scenes to make sure your offer stands out, your buying power is maxed out, and your loan process is smooth as butter. 💪💜

Here’s how we keep your home search stress-free:

Battle-Tested Pre-Approvals: Sellers love clean, strong offers backed by solid numbers 📈

No Secret Traps: Clear timelines, zero hidden surprises, and total transparency 🔑

Speed & Discipline: We treat your timeline like a mission—moving fast so you don't lose out 🏃‍♂️💥

Don't let the home search stress you out. Flex your buying muscle with a team that fights for your deal! 💜

Ready to start house hunting with absolute confidence? Let’s talk numbers today!📱👇

Mike Maddux
President & Founder
NMLS: 1443024
Maddux Mortgage
NMLS: 2248303
503-548-8788
[email protected]
www.MadduxMortgage.com

08/28/2026

🚨 MORTGAGE MYTH BUSTING: Day 7 🚨

“Self-employed workers and small business owners can’t get a mortgage.” 💼📊❌

If you run your own business, work freelance, or rock the 1099 life, you’ve probably heard horror stories about trying to get approved for a home loan. Many entrepreneurs assume that without a standard W-2 paystub, the front door to homeownership is locked shut! 🔒💥

Let’s smash that myth wide open: Being self-employed does NOT disqualify you from getting a mortgage! 🔨💜

In fact, millions of successful business owners buy homes every single day. Here is how we make it happen at Maddux Mortgage:

🔹 Bank Statement Loan Programs: Don't have typical tax returns that reflect your true buying power? No problem! We offer Non-QM bank statement loans that allow us to qualify you using 12 to 24 months of personal or business bank deposits instead of taxable net income! 📈💰

🔹 Standard 2-Year Rule (With Exceptions!): While conventional guidelines usually look for a 2-year history of self-employment, if you were in the same line of work before going solo, we can often qualify you with just 1 year of tax returns! 🗓️✨

🔹 Asset Utilization Options: Built up significant liquid assets while growing your empire? We can leverage your total asset pool to satisfy income requirements and get your deal across the finish line! 🏛️💎

💡 The Entrepreneur Strategy:

Don't let write-offs and tax strategy scare you away from owning real estate. Before you change how you file your taxes or assume you can't buy, let us run a financial analysis tailored specifically for self-employed pros! 👔💜

You put in the hard work to build your business—now let’s use that success to build your real estate portfolio!

👇 Drop a comment below with "SELFEMPLOYED" or send us a DM to review your custom loan options today! 📱💬

08/26/2026

🏡✨ DREAM HOME ALERT! Are you ready to turn your homeownership goals into reality? 🔑💥

Finding the perfect home is only half the battle—getting the right, rock-solid mortgage to back it up is where the real magic happens! 📈💪 Whether you are a first-time homebuyer or looking to make your next big move, navigating the home buying process doesn't have to be overwhelming when you have the right team fighting for you! 🥊💜

Here is why getting pre-approved with Maddux Mortgage before submitting your offer on this incredible home gives you the ultimate competitive edge:

🏋️‍♂️ Flex Your Buying Power: A pre-underwritten approval shows sellers you mean business, making your offer stand out in any market!

🛑 Bust the 20% Down Myth: You don't need a massive 20% down payment to purchase a home like this. We have multiple loan options tailored to fit your budget and goals! 💰✨

⚡ Speed & Muscle: We push your loan across the finish line with speed, discipline, and crystal-clear communication every step of the way! 🏃💨

Don't let your dream property slip away while you wait on standard financing. Let’s get your numbers locked in so you can write an offer with confidence! 🏠🔑💜

Ready to make a move on this property? Call or text us today to get pre-approved!📱👇

Mike Maddux
President & Founder
NMLS: 1443024
Maddux Mortgage
NMLS: 2248303
503-548-8788
[email protected] www.MadduxMortgage.com



https://myre.io/0GO0CLc5K2ab

Welcome home to this immaculately maintained ranch, perfe...

08/24/2026

🚨 MORTGAGE MYTH BUSTING: Day 6 🚨

“Pre-qualification and Pre-approval are the exact same thing.” 📜📄❌

Confusing these two terms is one of the quickest ways to get your offer tossed right into the trash bin by a listing agent! 🗑️💨

While they sound almost identical, relying on a simple pre-qualification when you're making an offer is like bringing a sq**rt gun to a laser tag match. 🔫⚡

Here is the breakdown of why pre-approval is the real MVP:

🔹 Pre-Qualification (The Estimate): This is just a basic high-level snapshot based on unverified numbers you tell a lender. No tax returns reviewed, no pay stubs checked, no deep dive. It's a great starting conversation, but it holds zero weight in a real negotiation! 🗣️📋

🔹 Pre-Approval (The Gold Standard): This is the fully backed package! We actually pull your credit, verify your income, review your assets, and run your profile through automated underwriting. When you hand a seller a Maddux Mortgage Pre-Approval letter, they know your financing is solid as a rock! 💎🏛️

🔹 Why It Matters to Sellers: Home sellers don't want surprises halfway through escrow. A legitimate pre-approval letter proves you can close the deal, giving your offer maximum leverage over competing buyers who only did a 5-minute pre-qual! 🏆🔑

💡 The Maddux Advantage:

We don't just hand you a letter and send you on your way. We proactively reach out to listing agents to vouch for your file, show them your financial strength in purple-carpet style 💜, and help get your contract accepted! 🤝💪

Don't let a weak letter stand between you and your dream home. Let’s get you fully pre-approved before you hit the house-hunting trail!

👇 Drop a comment below with "PREAPPROVED" or send us a DM to get your verified approval locked in today! 📱💬

08/22/2026

Move-in Ready in SE Portland — Lower Monthly Cost Potential & NO HOA!

Looking for functional single-level living near Powell Butte Nature Park? This 3-bedroom home offers privacy and comfort at an unbeatable value. The best part? The garage is the only common wall, giving you the feel of a detached home without the HOA dues!

Key Features You’ll Love:
✨ Updated interior with fresh paint and plenty of kitchen storage

🔌 Garage equipped with an EV charging station + bonus space for storage or an office

🌳 Fenced front & back yards with a large deck perfect for summer outdoor living

🛠️ Major system updates: Roof & gutters (2021), furnace (2022), and updated plumbing

🚶‍♂️ Convenient location near shops, public transit, and nature trails

Thinking about monthly payments? Flexible financing options (like rate buy-downs) could make this home more affordable than you think!

👇 Tap the link below to view photos, floor plan details, and pricing!

https://myre.io/0X42jLgImcqs

Listing courtesy of Keri Johnson, Premiere Property Group, LLC.

Welcome to this lovely 3 bedroom 1 bath single level home...