JoDee Lambert at United Bank Mortgage - NMLS #659414

10/31/2026

Fannie Mae has changed how lenders can document the expected rental income from the home you’re moving out of. Previously, A signed lease could be used to help document the rental income you expected to receive from your current home.
Now, You can no longer use a lease agreement to document rental income from a departing residence. Instead, the lender must determine the property’s market rent using acceptable documentation.

10/27/2026

If your family inherited property and the asset is to be split among the heirs, there are several factors to consider when dividing it. Some families choose to sell the property and split the profit. Other families may have one heir who wants to live in the property and pay the other heirs out. If you’ve inherited property, let’s talk, and I’ll walk you through your options.

10/19/2026

Getting your offer accepted is a big milestone, but there’s still a process to complete before you get the keys. Understanding what happens between an accepted offer and closing can help you know what to expect and stay on top of important deadlines. From inspections and appraisals to final loan approval, each step helps move you closer to homeownership. I’m here to help guide you through the financing side of the process, answer questions along the way, and help keep things moving toward closing. Have questions? Reach out anytime. I’m happy to help.

10/17/2026

When budgeting for a home, it’s important to look beyond your mortgage principal and interest. Property taxes and homeowners insurance may also be included in your monthly payment through escrow, affecting your total monthly cost. Understanding how escrow works can help you create a more accurate homebuying budget and avoid surprises down the road. If you’re considering buying, I can help you estimate what your total monthly payment could look like. Have questions? Reach out anytime. I’m happy to help!

10/14/2026

Homeowners are still not ready to put their homes on the market. In the meantime, they're taking better care of their homes. That's a good thing.

Homeowners are still not ready to put their homes on the market. In the meantime, they're taking better care of their homes. That's a good thing.

10/10/2026

Buying your first home can feel overwhelming, but you don't need to have all the answers before getting started. Whether you're wondering about the process, available grants and loan options, or how to prepare, I'm here to help guide you every step of the way. 🔑

10/06/2026

Fannie Mae has changed how lenders can document the expected rental income from the home you’re moving out of. Previously a signed lease could be used to help document the rental income you expected to receive from your current home. Now you can no longer use a lease agreement to document rental income from a departing residence. Instead, the lender must determine the property’s market rent using acceptable documentation. Let's talk if you are considering renting a departure residence.

10/03/2026

Real estate taxes account for half of all the revenue generated by localities in Virginia. It’s worth knowing how they work.
https://ow.ly/Q0K650ZQZZi

09/30/2026

Did you know it may be possible to use your assets as income to buy a home? Some of my clients are surprised to learn that we can use their accumulated assets to increase their monthly income and qualify for a home purchase or refinance. This is called Assets as Income, or Asset Depletion. Essentially, the lender divides your assets over a period of time and adds that amount to your monthly income to qualify. There are several programs and methods for doing this, so let’s take a look at your situation!

09/26/2026

It’s not uncommon to rent a home and then work with the owner to buy it. When you are buying a home you are renting, we can help you finance the purchase. However, if you are related to the person you are renting from, the rules are a bit stricter because of the relationship. If you are renting and want to own a home, let’s talk, and I’ll walk you through the process.