Family Mortgage

Family Mortgage "We Make It Easy"
MortgageOne, Inc. NMLS #2763579
https://mtr.bio/familymortgageteam

Family Mortgage - The Mortgage Firm | NMLS #189233 | Equal Housing Lender | As Mortgage Bankers we are able reduce the time from application to closing - Use local appraisers and keep our costs low, while giving you the best rates available!

06/03/2026

🏘️ Want to grow a real estate portfolio without needing 20%-25% down on every property?

One strategy many investors overlook is using a conventional loan to purchase a duplex, triplex, or fourplex with as little as 5% down. The catch? You’ll need to live in one of the units as your primary residence for at least the first year.

Imagine buying a duplex, living in one side, renting out the other, then repeating the process a year later. Over time, you could build a portfolio one property at a time while putting down significantly less than a typical investment property purchase.

It's not for everyone, but if you're open to moving every year or two, it can be a creative path toward long-term real estate wealth.

Have questions about duplexes, triplexes, or fourplex financing? Reach out and let's see what options might fit your goals!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

06/02/2026

Thinking about upgrading your home before selling? 🏡

Not all upgrades impact value the same way.

The projects that tend to get the most attention from buyers are kitchens, bathrooms, flooring, pools, and in Florida, a newer roof. These are often the features that can help a home stand out compared to similar properties.

On the other hand, items like a new A/C, water heater, or other maintenance-related improvements are still important. They can make a home more attractive and give buyers confidence, but they may not increase value as dramatically as major cosmetic upgrades.

Whether you're buying or selling, understanding which improvements matter most can help you make smarter decisions and set realistic expectations.

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | Mortgage One, Inc. | Equal Housing Lender 😊

06/01/2026

Same old, same old market news. Rates and the bond market continue to bounce around as headlines shift from "a deal is close" to "maybe not" and back again. While we wait for more certainty, mortgage rates have remained stuck in the mid-to-upper 6% range for many borrowers.

On a brighter note, one product we're highlighting right now is our Convertible ARM. It offers a lower initial rate with the ability to convert to a fixed-rate loan later without a full refinance. That could mean saving thousands in closing costs while still giving you flexibility if rates improve down the road.

Want to see if it could work for your situation? Reach out and we'll run the numbers together.

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

05/28/2026

🕷️ I may not be a superhero, but I can swing into action when a home purchase needs saving! 🏠

Whether it's a financing challenge, a tight deadline, or a deal that seems to be heading in the wrong direction, our team is always ready to jump in and help find a path forward.

If you have a deal that's hitting a snag, give us a shout. We love helping Buyers get to the finish line and making the process as smooth as possible. 💪

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

05/27/2026

It’s Wealth Wednesday 💰 and today we’re talking about estate planning.

One thing I’ve always believed is that having a plan matters. A financial advisor once told me, “If you don’t have a plan, you have a plan to fail.”

A big part of that can be making sure your estate plan is set up properly.

One thing we often discuss with clients is a revocable trust. In Florida, a properly structured revocable trust can still allow you to maintain homestead protections on your primary residence while also helping organize how assets are handled if something happens to you or if you become incapacitated.

The nice thing is that trusts can provide direction for:
• Your home
• Investment accounts
• Other assets
• Family wishes and planning

That’s why having a good estate planning attorney and financial advisor working together can be so valuable. They can help guide you through what may make sense for your situation and help make sure things stay updated over time.

Even if you already have a trust set up, it’s a good idea to review it periodically as life changes.

Hope this gave you a little insight into estate planning and wealth building. Have a great day! 👍

05/26/2026

Most people hear the term “portfolio loan” and think it’s some mysterious mortgage product. 🤔

In simple terms, it usually means the bank or lender is keeping the loan on their own books instead of selling it on Wall Street as part of a mortgage-backed security.

Why does that matter? 👇

When a loan is sold to Fannie Mae or Freddie Mac, it has to fit very specific guidelines and “boxes.” But when a lender keeps the loan in their own portfolio, they may have more flexibility to look at the full story instead of just a checklist.

That can sometimes help with:
• Jumbo loans
• Unique income situations
• Self-employed borrowers
• Complex assets
• “Outside-the-box” scenarios

Every situation is different, but portfolio products can be a great option when conventional financing doesn’t quite fit.

Hope this helped explain things a little better! 👍

05/21/2026

Team Thursday got a little chaotic today 😂

We secretly loaded Skip’s desk with the most random collection of items we could find just to see how long it would take him to notice what was going on 👀

Safe to say… the reactions did not disappoint 🤣

Which item would throw YOU off the most? 👇

05/20/2026

Buying a home in 2 years? Start with the end goal first 🏡

Instead of asking “How do I save $15,000?”, ask:
“What monthly payment am I comfortable with?”

Example 👇

If your ideal payment is around $2,500/month, maybe that points to a $300,000 purchase price. From there, we can look at loan options, like a 5% down conventional loan.

That means your savings goal may be around:
✅ $15,000 down payment
✅ Plus closing costs, taxes, and insurance

And depending on the contract structure, Sellers may even be able to help contribute toward some of those costs.

Now the big goal becomes much more manageable:
$15,000 ÷ 24 months = your monthly savings target 💡

That’s how you turn “maybe someday” into an actual game plan.

If you want help breaking down your own numbers and building a realistic roadmap to homeownership, reach out anytime. We’re happy to help!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

05/19/2026

Bonus or commission income can absolutely be used to qualify for a mortgage, but unlike salary income, it’s typically averaged over time. 📊

Most lending guidelines look for a history of receiving the income and confidence that it’s likely to continue into the future. In many cases, lenders use a 2-year average, but depending on the situation, a 1-year average may work as well.

A few things lenders generally consider:
• How long you’ve been receiving the income
• Whether the income is stable or increasing
• The structure of the compensation plan
• The likelihood of it continuing
• Prior history in the same line of work

Because bonus and commission income can fluctuate year to year, averaging helps create a more consistent qualifying income picture.

If you’re thinking about buying a home and aren’t sure how your income would be calculated, we’d be happy to walk through it with you!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

05/18/2026

Monday Market Update 📈

Not a lot of great news in the interest rate world over the past week. Inflation readings came out last week, and we’re starting to see the effects of rising oil prices tied to the Middle East conflict filtering into goods and services across the economy.

The bond market didn’t love the news, which pushed mortgage rates higher toward the end of last week. Right now, we’re seeing rates back up into the upper-mid 6% range. We did see a little improvement today, but the market is still heavily focused on oil prices and global events.

There’s also a lot of attention on upcoming Fed leadership changes and new economic data, so expect volatility to continue.

We’ll keep watching things closely and hopefully see some improvement ahead. If you have questions about buying, refinancing, or locking in a rate strategy, give us a shout!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

Address

601 University Boulevard, Suite 104
Jupiter, FL
33458

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Website

https://www.youtube.com/@familymortgage

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