Halvorsen Team - NEO Home Loans

09/03/2026

Not every qualified borrower looks the same on paper.

Freddie Mac has expanded its asset utilization guidelines, creating more flexibility for eligible borrowers to use assets as qualifying income, without having to take a distribution from those funds.

For buyers with substantial assets but limited verifiable income, this could make a meaningful difference. Have a scenario in mind? Let’s take a closer look.

09/03/2026

09/02/2026

Interest rates stayed mostly flat this week as inflation data came in as expected. Now, all eyes are on Jackson Hole for any clues about what the Fed may do at its September meeting. We’ll keep you updated as the market responds. 📈

NEO Home Loans

09/01/2026

Help us wish the one and only Daniel Halvorsen a very (belated)happy birthday! 🎉 We hope our fearless leader had an incredible birthday weekend. Thank you for everything you do for our team, we’re so lucky to have you! 🥳🎂

08/27/2026

A homeowner recently asked, “We’ve built quite a bit of equity. Should we use it?”

The answer depends on what you want that equity to accomplish: home improvements, paying down debt, preserving cash, or investing.

Each option can affect your monthly cash flow, borrowing costs, remaining equity, and overall risk differently.

The better question isn’t just, “How much can I access?” It’s, “What role should this equity play in my bigger financial picture?”

If you’re exploring your options, I’m happy to help you understand the numbers and trade-offs.

⚠️ Consult a qualified professional for investment, tax, or legal guidance.

NEO Home Loans

08/11/2026

A little movement in the right direction.

Mortgage rates inched lower this week, and all eyes are now on upcoming inflation data.

Have a buyer wondering what today’s market means for their payment? Let’s run the numbers.

NEO Home Loans

08/07/2026

Got told “no” by a lender? Don’t assume that’s the final answer.

Self-employed borrowers and unique scenarios can have more options than you think.

Always get a second opinion.

08/06/2026

39 families.
$13.2 million funded.
Countless dreams put into motion.

Thank you to every client who trusted us with one of life's biggest decisions, and to our referral partners for your continued support. We appreciate every opportunity to help people find their way home. 🏡

NEO Home Loans

08/05/2026

Haven’t started your new job yet? You may still be able to buy a home. 👀🏡

In many cases, we can use income from an offer letter or employment contract before your start date.

Especially helpful for relocations and job changes. Get with a lender sooner rather than later!

08/03/2026

The Fed held rates steady, but that doesn’t mean we can stop watching what happens next. 👀

Inflation and jobs data will be key between now and the next Fed meeting in September.

The good news? No rate hike this time around. Now we wait and see what the data tells us.