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Kurt McClearen - McClearen Mortgage Advisors - NMLS 1338163

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United States
Inlet Beach, FL
Kurt McClearen - McClearen Mortgage Advisors - NMLS 1338163

NMLS 2289 | Equal Housing Opportunity Ranked Top 1% nationally since 2019, per Scottsman Guide.

Top 1% Mortgage LO ⭐ 1,500+ 5-Star Reviews | Destin • 30A • Emerald Coast | Conventional • VA • FHA • Non-QM • DSCR • Bank Statement | Fairway Home Mortgage | NMLS 1338163 | Co. NMLS #1338163, NOVA NMLS #3087, NOVA AZ BK #0902429, Equal Housing Opportunity,

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

NOVA’s Consumer Access: https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/30

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

09/08/2026

For years, if a manufactured home had been moved from its original site, VA was the only realistic financing option we had.
That just changed. 👏

Freddie Mac will now allow conventional financing on eligible previously moved manufactured homes, opening the door for more buyers and more properties that historically wouldn’t qualify.

There are still property and inspection requirements, so every home needs to be reviewed individually — but this is a big win for manufactured-home buyers, sellers, and Realtors.

Have a moved manufactured home listing? Send it my way and we’ll take a look! 🏡🔑

09/03/2026

Nearly 1 in 7 home-purchase contracts were canceled, but for buyers, that could create a real opportunity.

When a home comes back on the market, the seller may be more motivated to negotiate. That could mean a lower price, help with closing costs, money toward a rate buydown, repairs, or better overall terms.

If you’ve been waiting for the right time to explore your options, this could be your opening. Give me a call and let’s see what opportunities are available.

08/28/2026

Older homeowners are holding more real estate wealth than ever, but that doesn’t always make qualifying for a mortgage easier.

Homeowners age 62 and older now hold a record $14.66 trillion in home equity. For the first time, Americans over 70 also control more real estate wealth than those ages 40 to 54. Yet borrowers over 70 still face mortgage denial rates that are 2.7% higher.

Retirement income can look different from a traditional paycheck, but that doesn’t mean your options are limited.

If you’re buying, refinancing, or looking to access your equity in retirement, give us a call. Let’s take a closer look at what may be available.

08/24/2026

What if you could move without giving up the mortgage rate you already have?

The newly introduced MOVE Act would make portable mortgages more accessible, potentially allowing homeowners to transfer their existing rate, terms, and remaining balance to a new property.

This is only proposed legislation right now, not an available mortgage option. But if passed, it could give homeowners with low rates more freedom to move without completely starting over.

Would this make you more likely to sell your current home and move?

08/10/2026

#1 in Maricopa County! 🏆

We’re proud to be recognized as the #1 Independent Mortgage Banker in Maricopa County.

This recognition represents the trust our clients, real estate partners, and community continue to place in us every day. We’re incredibly grateful for every family we’ve helped, every referral we’ve received, and every relationship we’ve built along the way.

Thank you for allowing us to be part of your journey. If buying, refinancing, or investing is in your future, reach out. We’re ready to help you get home.

08/05/2026

Florida home prices keep setting records!

The Florida housing market continues to make headlines, and the latest data shows both home prices and sales are proving more resilient than many expected.

If you're thinking about buying, selling, or investing in Florida, don't let the headlines make the decision for you. Every market is local, and the right strategy depends on your goals.

Let's talk about what today's market means for you and whether now is the right time to make your move.

07/29/2026

BREAKING: The Federal Reserve has decided to hold interest rates steady.

While this doesn't automatically change mortgage rates, it is an important signal for the financial markets. Mortgage rates are influenced by many factors beyond the Fed, including inflation, the bond market, and investor expectations.

If you've been waiting to see what today's announcement means for your homebuying or refinancing plans, now is a great time to have a conversation. Every situation is different, and understanding your options is more important than trying to time the market.

Give us a call, and we'll help you build a strategy that fits your goals.

07/21/2026

Not every qualified borrower fits into a conventional mortgage box.

As more Americans become self-employed, work on 1099 income, invest in real estate, or retire with significant assets, traditional mortgage guidelines don't always tell the full story.

That's why Fairway continues expanding its Non-QM lending solutions, giving qualified borrowers more ways to demonstrate their ability to repay through options like bank statements, 1099 income, and asset depletion.

Whether you're an entrepreneur, business owner, retiree, or investor, your path to financing may be more flexible than you think.

If you have a client whose income doesn't fit the traditional mold, let's talk. We may have a solution that gets them to the closing table.

07/16/2026

Home prices have now declined for eight straight months... while pending home sales have increased for seven.

At first glance, those trends don't seem like they should happen together. But they tell an important story.

Sellers are becoming more realistic with pricing, more homes are hitting the market, and fewer sellers are giving up and pulling their listings. Buyers are responding.

That's creating opportunities for buyers who are prepared to act.

Markets don't stay balanced forever. If you've been thinking about buying, this could be the window you've been waiting for.

Let's talk about your options and build a strategy that works for you.

07/07/2026

Buyers have more negotiating power than they've had in years.

Right now, 15.7% of home sales include both a price reduction and a seller concession. That means some sellers aren't just lowering their asking price—they're also helping buyers with closing costs or even paying for an interest rate buydown.

The result? A lower monthly payment, less cash needed at closing, and in many cases, the opportunity to afford a home that may have been just out of reach a few months ago.

If you've been waiting because you thought buying wasn't affordable, this could be the opportunity you've been looking for.

Let's talk about what's available and see how far your budget can go in today's market.

Address

Inlet Beach, FL

Telephone

+18327760898

Website

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