Adam Gainey - Mortgage Loan Originator

09/24/2025

Here’s a quick update on mortgage news this week! Key takeaway: Rates are easing and refinance volume is trending upward.

📉 Rates
• 30-year fixed dropped to 6.26 %, 15-year to 5.41 %, lowest since early October.
• Rates eased with falling Treasury yields but ticked slightly higher in daily surveys.

🏛 Fed
• Fed cut rates by 0.25% last week — first cut of 2025.
• Powell called policy “modestly restrictive” and left door open for more cuts.
• Some Fed voices push for faster easing, citing job market softness.

🏠 Housing & Refis
• Refinance demand surged, now ~60% of mortgage applications.
• New home sales up 20.5% in August, boosted by builder incentives.
• Fannie Mae sees rates drifting toward 6.4% by end of 2025,

02/27/2025

🏡 Buying a Fixer-Upper? Make It Your Dream Home with an FHA 203(k) Loan! 🔨💰

An FHA 203(k) renovation loan lets you finance both the purchase & repairs in one mortgage—making homeownership easier & more affordable! 🎉

✨ Benefits of an FHA 203(k) Loan:
✅ Covers both minor & major renovations 🏚➡️🏠
✅ Includes roofing, plumbing, flooring, HVAC & more 🔧🔨
✅ Ideal for turning a house into your dream home ✨

💡 At loanDepot, we can also pair this loan with down payment assistance programs to make homeownership even more affordable! 💵🏠

📩 DM me to learn more & start your home renovation journey today!

🏡 🔨 💜

02/18/2025

🚀 Build Your Real Estate Portfolio with a DSCR Loan! 🏡💰

Want to invest in rental properties without the hassle of income verification? A Debt Service Coverage Ratio (DSCR) loan lets you qualify based on a property’s rental income, not your personal income!

✨ No tax returns, W-2s, or pay stubs required
🏡 Perfect for growing your rental portfolio
⚡ Faster approvals = quicker closings

If the property cash flows, you’re in! Ready to scale your investments? Let’s connect! 📩📞

01/23/2025

🏠💡 Did you know? You can purchase a multi-unit home as your primary residence AND use projected rental income from the other units to help offset your mortgage payment! 💰📉

With certain mortgage options, owning a duplex, triplex, or fourplex could be a smart way to build equity while lowering your housing costs. 🌟

✅ Live in one unit 🏡
✅ Rent out the rest 📈
✅ Potentially qualify for a higher loan amount with the added rental income 💼💵

Ready to explore your options? Let’s talk about how you can turn homeownership into an investment! 📲✨

01/13/2025

🏡 Confused about loan options? This guide breaks down the differences between Conventional, FHA, VA, and USDA loans! ✅

🔑 Learn about:
📊 Loan limits
💰 Down payment requirements
📉 Credit score minimums
💼 Seller contributions

Whether you’re a first-time buyer, veteran, or considering rural housing, this chart simplifies your options! 💡

✨ Ready to explore your best fit? Let’s chat today!
📲904-334-4856
📬[email protected]

12/26/2024

✅ Transfom your dream home 🏠with a VA renovation ln.💰 Here’s how it works…..

11/19/2024

✅Your credit score is a huge factor in getting qualified for a mortgage! 🏠Here are a few tips to build and maintain strong scores!🙌🏻

09/16/2024

🏠💫The benefits of a renovation mortgage can be huge! Here’s a recent success story of a client of mine. Click and watch to find out how we rescued her renovation dreams and ended up with an amazing result! 💪💵

09/12/2024

09/09/2024