Myesha Michelle Davis -Creative Mortgage Solutions-NMLS 1389082

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United States
Jacksonville, FL
Myesha Michelle Davis -Creative Mortgage Solutions-NMLS 1389082

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Professional Real Estate Consultant in the Real Estate Industry for more than 16 years.

09/23/2026

🏡 Can nurses qualify for doctor loans? Yes—some can!
Realtors, your buyer may not need to be a physician to qualify for a medical professional home loan.
Depending on their credentials and degree:
✅ Registered Nurses and Clinical Nurse Specialists may qualify for financing up to 97% LTV
✅ Nurse Practitioners and CRNAs may have options up to 100% financing
✅ No private mortgage insurance options
✅ Loan amounts from $100,000 to $3 million
✅ Fixed-rate and adjustable-rate mortgage options
✅ Primary residence programs available

Eligibility varies by program, so don’t assume your buyer qualifies—or doesn’t qualify—based only on their job title.

📲 Realtors: Send me your buyer’s nursing credential, degree, state, and estimated purchase price. I’ll help determine which medical professional mortgage program may fit.

Myesha “Michelle” Davis
Mortgage Loan Officer | NMLS #1389082
Creative Mortgage Solutions | NMLS #2387756
📞 (904) 675-3272
📧 [email protected]

Program terms vary. Subject to borrower qualification, property eligibility, credit approval, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity.

09/16/2026

🏢 REALTOR CONDO POST

🏢🔑 REALTORS: BEFORE YOUR BUYER MAKES A CONDO OFFER… SEND ME THE ADDRESS! 📍

Condo financing can get tricky—and sometimes the issue isn’t the buyer. It’s the condo project. 😬

Before your buyer falls in love ❤️, writes an offer ✍🏾, pays for an inspection 🔎, or puts down earnest money 💰, let me help you investigate the financing options.

📍 SEND ME THE CONDO ADDRESS + UNIT NUMBER

I can help research:

🏢 Condo project eligibility
🏦 Conventional financing options
🇺🇸 FHA & VA project eligibility
🔑 Potential non-warrantable condo options
📑 Available project/condo documentation
🔎 Potential financing concerns before the offer

🚨 WHY CHECK FIRST?

Because a pre-approved buyer does NOT automatically mean a pre-approved condo.

Knowing more about the project before the offer can help you and your buyer make a more informed decision. 💡

🤝 REALTORS: Have a condo listing? Send it to me too! Let’s determine what financing options may be available so you can better market the property to potential buyers.

👇🏾👇🏾👇🏾

🔵 BUYERS: REQUEST A CONDO FINANCING REVIEW

📲 DM me the property address + unit number to get started.

Myesha “Michelle” Davis, PharmD
🏡 Mortgage Loan Officer
Creative Mortgage Solutions
NMLS #1389082
📞 (904) 675-3272
📧 [email protected]

✨ Condos. People. Places. Possibilities.

All financing is subject to borrower qualification, property/project eligibility, applicable program guidelines and underwriting approval. Not all condominium projects or borrowers will qualify.

08/28/2026

🔍🏡Already have a Loan Estimate? Before you sign, let me check the numbers.

Two mortgage offers can show the same interest rate and still have very different costs. I’ll provide a free second-look Loan Estimate review and compare:

✅ Interest rate and APR
✅ Discount points
✅ Lender and underwriting fees
✅ Lender credits
✅ Estimated cash to close
✅ Monthly mortgage payment
✅ Whether the rate is locked

If I can offer a more competitive mortgage option, I’ll show you the numbers. If your current offer is already strong, you’ll have greater peace of mind moving forward.

📲 Call or text 904-675-3272
Myesha “Michelle” Davis
NMLS #1389082
Creative Mortgage Solutions | NMLS #2387756

For an accurate comparison, Loan Estimates should be based on the same loan amount, property type, occupancy, credit profile, and lock period. Please securely remove or protect sensitive personal information before sending documents.

08/25/2026

📊 VA CREDIT-SCORE MYTH

“I was told my credit score is too low for every VA loan.”

That may not be the complete answer.

The Department of Veterans Affairs does not establish one universal minimum credit score for all VA-backed loans. However, the lender making the loan may establish its own credit, underwriting and program requirements.

That means one lender’s answer may not represent every available VA option.

Your review should consider more than a score:

✅ Recent payment history
✅ Housing-payment history
✅ Outstanding debts
✅ Residual income
✅ Debt-to-income ratio
✅ Employment and income stability
✅ Automated underwriting findings
✅ The reason behind past credit challenges

A lower score is not a promise of approval—but it should not automatically stop you from asking for a complete review.

Let’s understand the full story behind your numbers:

https://creativemortgagesolutions.my1003app.com/1389082/register

Myesha Davis | NMLS #1389082
Creative Mortgage Solutions | NMLS #2387756
Equal Housing Opportunity

08/18/2026

💡 VA BUYER ADVANTAGE: NEGOTIATE MORE THAN THE PRICE

A seller or builder may be permitted to help an eligible VA buyer with certain closing expenses.

VA guidance distinguishes between ordinary closing-cost credits and seller concessions. Seller concessions are generally limited to 4% of the home’s reasonable value, while allowable closing-cost credits are treated separately.

Depending on the transaction, assistance could potentially help with items such as:

✅ Allowable closing costs
✅ Prepaid taxes and insurance
✅ Discount points
✅ Certain qualifying concessions
✅ Other permitted expenses

This does not mean every buyer automatically receives a 4% credit. It must be negotiated in the contract, supported by the transaction and reviewed for VA and lender compliance.

The offer price is only one part of the strategy. Let’s calculate the complete transaction before you make an offer.

Start your VA homebuying review:

https://creativemortgagesolutions.my1003app.com/1389082/register

Myesha Davis | NMLS #1389082
Creative Mortgage Solutions | NMLS #2387756
Equal Housing Opportunity

08/13/2026

🔑 WHICH VA HOMEBUYING PATH FITS YOU?

VA financing isn’t limited to purchasing a traditional resale house.

Depending on the property and available lender program, eligible veterans may be able to explore:

🏡 A single-family resale home
🏘️ A property with up to four units
🏢 A condominium in a VA-approved project
🔨 Building a new home
🛠️ Purchasing and improving a home
🚚 An eligible manufactured home and lot
☀️ Certain energy-efficient improvements

Not every lender offers every VA option. The right first question isn’t simply, “Do you offer VA loans?”

It’s: “Do you offer the specific VA program that fits what I want to accomplish?”

Tell me what you’re considering, and we’ll explore the appropriate path:

https://creativemortgagesolutions.my1003app.com/1389082/register

Myesha Davis | NMLS #1389082
Creative Mortgage Solutions | NMLS #2387756
Equal Housing Opportunity

08/06/2026

🏡 Need help with closing costs? This may be your moment to buy.

According to Redfin, 46% of home sellers gave concessions to buyers in May—the highest share recorded for that month.

Depending on the transaction and loan program, seller concessions may help with:

✅ Closing costs
✅ Mortgage-rate buydowns
✅ Eligible repairs or improvements
✅ Other approved purchase expenses

But you need to know what you qualify for—and how much assistance to request—before writing the offer.

Let’s get you pre-approved and create a financing strategy that gives you the confidence to negotiate.

👉 Start your application today:
https://creativemortgagesolutions.my1003app.com/1389082/register

📞 Myesha “Michelle” Davis: (904) 675-3272
Creative Mortgage Solutions
NMLS #1389082 | Company NMLS #2387756

Seller concessions are subject to the sales contract, loan-program limits, appraisal requirements, and seller approval. Pre-approval is not a commitment to lend.

Address

103 Century 21 Drive
Jacksonville, FL
32216

Telephone

+19046753272

Website

https://mortgagematchup.com/Profile/MyeshaDavis78457?page=1, https://myesha-creative-mortgage-solutions.netlify.app/

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