Kurt McClearen - McClearen Mortgage Advisors - NMLS 1338163

Kurt McClearen - McClearen Mortgage Advisors - NMLS 1338163 Experienced mortgage professional with top notch customer service, and a proven track record. Ranked Top 1% nationally since 2019, per Scottsman Guide.

NMLS #1338163, Fairway Independent Mortgage Corporation NMLS #2289, Equal Housing Opportunity. NMLS #1338163, NOVA NMLS #3087, NOVA AZ BK #0902429, Equal Housing Opportunity,

Kurt McClearen, VP/Senior Loan Officer, NMLS # 1338163


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NOVA's Fair Lending Statement:https://www.novahomeloans.com/media/3400/fair-lending-statement.pdf

The Federal Reserve left interest rates unchanged yesterday, but the bigger story was the message from new Fed Chair Kev...
06/18/2026

The Federal Reserve left interest rates unchanged yesterday, but the bigger story was the message from new Fed Chair Kevin Warsh.

The Fed remains focused on bringing inflation back to its 2% target and signaled that rate cuts are not guaranteed anytime soon. Markets will be watching upcoming inflation and jobs reports closely.

What does this mean for mortgage rates?

Mortgage rates don't directly follow the Fed Funds Rate—they move more closely with the bond market and inflation expectations. Yesterday's comments suggest rates could remain elevated in the near term, with future improvements depending largely on continued progress on inflation.

If you're waiting for the "perfect" rate, remember: the right home and monthly payment often matter more than trying to time the market. If rates improve later, refinancing remains an option.

Have questions about today's market or your home financing options? Send me a message.

The 90-day flipping rule just got a target on its back — and FHA put it there.FHA's own deputy assistant secretary went ...
06/10/2026

The 90-day flipping rule just got a target on its back — and FHA put it there.

FHA's own deputy assistant secretary went on record this week: they want the anti-flipping restriction eliminated entirely. Not adjusted. Gone.

Right now, FHA is the only loan program in the country that bars buyers from using FHA financing if the seller has owned the home 90 days or less. That means renovated starter homes — the exact inventory your first-time buyers need — are routinely off-limits on FHA terms.

The rationale for that rule no longer holds, according to FHA leadership. Valuation tech has caught up. Rulemaking is in motion.

This is early-stage, but it's real — and the conversations with buyers need to start before the rule changes, not after.

What deals have you lost to this rule? I'd genuinely like to know.

Not every buyer fits inside a traditional lending box.Self-employed? Investor? Unique income situation? There may be mor...
06/02/2026

Not every buyer fits inside a traditional lending box.

Self-employed? Investor? Unique income situation? There may be more options available than you think.

With flexible financing solutions, we can help more buyers qualify and create opportunities where other lenders may see roadblocks.
Because every financial story deserves a solution.

Let's talk about your scenario and explore what's possible.

A huge thank you to our amazing clients for trusting us throughout the process and for taking the time to share such kin...
05/28/2026

A huge thank you to our amazing clients for trusting us throughout the process and for taking the time to share such kind words about their experience.

Behind every successful closing is a lot of communication, teamwork, problem-solving, and dedication to making sure everything comes together smoothly and on time. We’re incredibly grateful for the opportunity to help guide our clients every step of the way.

Referrals and reviews like this mean the world to us because they remind us why we love what we do.

If you or someone you know is thinking about buying, refinancing, or simply exploring options, reach out anytime. We’d love the opportunity to help make your next move a smooth one too.

Memorial Day weekend is here, but real estate doesn’t stop for long weekends… and neither do we.Whether you’re out touri...
05/22/2026

Memorial Day weekend is here, but real estate doesn’t stop for long weekends… and neither do we.

Whether you’re out touring homes, thinking about making a move, or need a quick pre-approval before putting in an offer, Kurt is ready to help every step of the way.

The market keeps moving, and sometimes the perfect opportunity shows up when everyone else is off the clock.

Enjoy the holiday weekend, spend time with family and friends, and take a moment to honor the brave men and women who made the ultimate sacrifice for our freedom.

Need anything mortgage-related this weekend? Reach out anytime.

Empty-nest boomers currently own 28% of large homes across the U.S.Millennial families? Just 16%.And here’s the part mos...
05/21/2026

Empty-nest boomers currently own 28% of large homes across the U.S.

Millennial families? Just 16%.

And here’s the part most people aren’t talking about… nearly 58% of boomer homeowners have their homes completely paid off. No mortgage. No pressure to move. No urgency to sell.

But that’s starting to shift.
As affordability improves and more boomers begin downsizing, inventory in the family-home segment could start opening up in a big way. And some markets are already moving faster than others.

The buyers who are prepared before that shift happens will have the advantage.

If you’ve been waiting for the “right time” to buy, now is the time to start building your strategy before more inventory hits the market.

Rates are going to move. That’s what markets do.The key is having a strategy and a team that knows how to navigate the s...
05/20/2026

Rates are going to move. That’s what markets do.

The key is having a strategy and a team that knows how to navigate the shifts with you. Whether rates go up, down, or sideways, there are still opportunities to make smart moves when you have the right guidance in your corner.

We monitor the market daily so you don’t have to. Our job is to help you stay informed, confident, and ready when the timing makes sense for YOU.

If you’re thinking about buying, refinancing, or just want a game plan for today’s market, let’s talk.

VA loans just got even stronger 💪🇺🇸One of the biggest misconceptions in real estate has been that VA appraisals are diff...
05/15/2026

VA loans just got even stronger 💪🇺🇸

One of the biggest misconceptions in real estate has been that VA appraisals are difficult to navigate. But recent updates have removed several common appraisal conditions that used to slow deals down or create unnecessary stress.

That means:
✅ Fewer cosmetic issues holding up closings
✅ Less concern over sheds and outbuildings
✅ Simpler requirements for buyers and sellers
✅ Stronger confidence when presenting VA offers

This is a big win for veterans and active-duty buyers using the benefit they’ve earned. It also gives agents and sellers more reasons to feel confident accepting VA financing.

If you know someone who’s been hesitant about using a VA loan, now is the time to revisit the conversation.

Grateful for amazing clients who trust us throughout the process.Helping people navigate their next home with clarity, s...
05/05/2026

Grateful for amazing clients who trust us throughout the process.

Helping people navigate their next home with clarity, speed, and confidence is always the goal, and it means a lot when that experience stands out.

If you are thinking about buying, refinancing, or just want to understand your options, let’s connect and build a plan that works for you.

Message me anytime to get started.

May is Military Appreciation Month 🇺🇸A time to honor the courage, sacrifice, and commitment of those who serve and have ...
05/01/2026

May is Military Appreciation Month 🇺🇸

A time to honor the courage, sacrifice, and commitment of those who serve and have served our country. Your dedication protects more than just our freedom. It creates opportunity for all of us.

You’ve given so much. You deserve a place to call your own. A foundation to build your future and create lasting memories.
If you’re active duty, a veteran, or part of a military family, there are loan options designed to help you take that next step with confidence.

Grateful today and every day for your service 🇺🇸

Address

Inlet Beach, FL

Telephone

+18327760898

Website

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