Shirley Caldwell-Ross NMLS #324194

01/19/2026

A big kitchen, quiet office, yard for your dogs… 💭

Sound off in the comments — what’s one home feature you dream about?

01/16/2026

Myth: You need 20% down to buy a house.

Fact: Many buyers purchase with as little as 0–3% down, depending on the program.

Some loan programs that allow 0% down are:

💰 USDA loans
💰 VA loans
💰 Waterstone Mortgage’s Powerhouse 100
💰 Waterstone Mortgage’s Wealth Building Loan

…and MORE.

Want to explore your options? Click here: https://bit.ly/4j41aHP

01/14/2026

5.0 star review received on Experience.com for Shirley Caldwell-Ross by SaQuincy P - From start to finish Mrs. Shirley took me step by step in purchasing my first home. The out of wall conversation and questions. To the things a buy should do after purchase . It was a pleasure working with her and Levi to help me reach my home goal.
Thanks

Click to see all 19 reviews of Shirley Caldwell-Ross, Mortgage Consultant

01/13/2026

If you're dreaming of a new home but aren't sure where to start, an FHA loan might be a perfect first step.

✔️ Low down payment requirement (3.5%)
✔️ Flexible credit guidelines
✔️ Down payment assistance to help cover upfront costs
✔️ Great for first-time homebuyers

Wondering if an FHA loan might be the right fit? Learn more here: https://bit.ly/4948z5B

01/12/2026

Good news: the market finally moved


Not-so-good news: your inbox may be filling up with “urgent” offers

Let’s focus on what matters. Rates have dipped meaningfully, and if you purchased your home in the last few years, it may be worth taking a closer look.

A quick side-by-side review can show whether today’s market could help:
✅ Lower your monthly payment
✅ Remove mortgage insurance
✅ Shorten your loan term

Instead of guessing if the headlines apply to you, let’s talk. If you’d like a quick, no-pressure review, send a message.

01/11/2026

If you’re thinking about buying a home someday — imagine opening a door that’s truly yours.

Take the first step and start by getting pre-approved. Apply here: https://bit.ly/3Hp3T0e

01/09/2026

Your home is more than the place you live — it’s also a powerful financial tool. If your equity has grown, you may have options to lower your payment, fund a remodel, or access cash when you need it.

Let’s take a look at what your home equity could do for you. Start here, or send a message to learn more: https://bit.ly/49kpkup

01/07/2026

Your path to homeownership starts here. Send a DM to discuss your financing options!

01/01/2026

Happy New Year! 🎉 Is becoming a homeowner, purchasing a new home, or refinancing your mortgage on your 2026 resolution list? Let’s create an action plan together.

It’s never too early to accomplish your goals. Send a message to get started today.

12/30/2025

Breaking into the housing market can feel tough right now. But here’s the good news: there are programs designed to make homeownership more affordable.

Things like…

💰 0% down mortgage loans
💰 Down payment assistance
💰 Temporary interest rate buydowns

…can help you achieve your homeownership goals without breaking the bank.

Let’s explore which programs fit your goals.

More tips: https://bit.ly/4oNVMuw

12/25/2025

Merry Christmas and Happy Holidays to all! Wishing you warmth, peace, and cozy moments at home — wherever home is for you this year. ❤️🏡

12/22/2025

Winter is typically the “slow” season in real estate — because it’s usually the “busy” season in every other part of our lives.

But, if you’re thinking about buying a house in 2026, you don’t need to wait until spring or summer.

Winter homebuyers often experience less competition, less demand for hired professionals, and more flexibility. Check out all the benefits here: https://bit.ly/4oVkhpV