Myesha Michelle Davis -Creative Mortgage Solutions-NMLS 1389082

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.

08/05/2026

🇺🇸 DID YOU KNOW?

Your VA home loan benefit is not necessarily a one-time benefit.

You may be able to use it again after selling or refinancing a previous VA-financed home. In some situations, a veteran may even have enough remaining entitlement to purchase another home while an existing VA loan is still outstanding.

The answer depends on:

🔑 Your available entitlement
🏡 The status of your current VA loan
📍 The county loan limit
💰 The new purchase price
📄 Whether entitlement can be restored

Before assuming that your VA benefit is “used up,” have your Certificate of Eligibility and entitlement reviewed.

Let’s determine what options may still be available:

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

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

07/30/2026

🏡 VA MYTH OR FACT?

“You can only use a VA loan to purchase a single-family home.”

MYTH!

An eligible veteran may be able to use VA financing to purchase a property with up to four units—as long as the veteran occupies one unit as a primary residence.

That could mean:

✅ Live in one unit
✅ Rent the additional units
✅ Potentially use eligible rental income during qualification
✅ Begin building a real estate portfolio

Rental income, reserves, occupancy, property condition and lender requirements still apply, but this strategy is worth exploring.

Would you live in one unit if the other units helped offset your housing expense?

Request your personalized VA homebuying review:

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

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

07/18/2026

🚨OPEN HOUSE TOMORROW 11am- 2pm‼️
Rehanna Ebrahim Real EstateRay Elvey

07/07/2026

🚨 REALTOR PARTNER ALERT 🚨

Hometown Heroes is launching July 13, 2026 — and if you work with teachers, healthcare professionals, law enforcement, firefighters, military, and other hometown heroes, this is training you need to know about.

Florida Housing Finance Corporation is offering FREE Realtor Q&A training sessions to help agents better understand the program before reservations open.

📅 Live Q&A Sessions:
• Wednesday, July 1, 2026 | 2:00 PM – 3:00 PM EDT
• Tuesday, July 7, 2026 | 10:00 AM – 11:00 AM EDT
• Wednesday, July 8, 2026 | 1:00 PM – 2:00 PM EDT

🔗 Register here:
attendee.gotowebinar.com/rt/5766989521342479704

I’m sharing this as a resource because I want my Realtor partners prepared before the funds open. If you’d like help identifying eligible buyers, building a strategy, or getting your clients ready, message me directly.

Myesha “Michelle” Davis
Mortgage Loan Officer
NMLS #1389082
Creative Mortgage Solutions
NMLS #2387756

Training is provided by Florida Housing Finance Corporation and shared by CMS as an informational resource.

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