Michael Stowers, NMLS ID 1573007

08/12/2026

🚨 CONDO BUYERS & SELLERS & REALTORS BIG CHANGES ARE HERE! 🚨

Fannie Mae & Freddie Mac condo guidelines are getting tougher. Here are 3 numbers you need to know: 👇

🏢 10+ Units: Expect a FULL condo project review
💰 15% Max Delinquency: No more than 15% of units can be delinquent
🏦 15% Reserves: The HOA budget needs at least 15% allocated to reserves

These changes could have a major impact on whether a condo is financeable.

👉 Buying or selling a condo? Make sure the HOA passes the test BEFORE you get too far into the transaction. MY CONDO TEAM CAN HELP! We just need the address and HOA complex name. We can get you answers quickly 💨📲

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08/10/2026

The housing market doesn’t care about our feelings. It sure doesn’t care about my currently torn ACL and meniscus 🎻

🏠 One of the most dangerous thoughts in real estate investing: “It’s different this time.”

Markets change. Interest rates change. Prices change. But human behavior doesn’t.

Don’t try to predict the next market cycle. Build a portfolio that can survive multiple cycles.

Buy right. Don’t overleverage. Keep reserves. Focus on cash flow. And give yourself a margin of safety.

You don’t need to predict the future, you need to be prepared for it. 📈🏡

I’m here anytime to help assist 📲🏠

07/30/2026

🚨 The headlines don’t tell the whole story…

Today’s mortgage rates are actually lower than they’ve been during many periods throughout history.

Too many buyers are waiting for rates they may never see again while home prices continue to change.

🎥 Watch this reel to see how today’s rates compare historically. It may completely change the way you look at buying a home.

‼️ Half of the homes are you seeing online for sale right now will go for less than list price. It’s a perfect time to negotiate with the seller to cover a rate buydown to make your payment more affordable 🏡

💬 DM “RATES” if you’d like me to show you how you can buy now and still refinance later if rates drop.

07/27/2026

🚨 Need cash without the hassle? 🚨

Our HELOC:

⚡ No hard credit inquiry
⚡ Loan approval in as little as 5 minutes
⚡ No appraisal required
⚡ Competitive low rates
⚡ Funds wired to your bank account in as little as 5 business days
⚡ $0 out of pocket to get started

Whether you’re renovating, consolidating debt, investing, or just want access to your home’s equity, this is one of the fastest and easiest HELOC options available.

📩 Message me “HELOC” to see if you qualify.

*Subject to qualification and lender guidelines.

07/21/2026

🚨 Everything you need to know about the new Trump Account-in 15 seconds.

Parents, grandparents, and future homeowners: this is one of the biggest new savings opportunities for kids.

✅ Eligible children may receive a $1,000 government-funded contribution (if they meet the program’s requirements).
✅ Family and others can contribute additional money each year, subject to IRS limits.
✅ Funds grow tax-deferred and can potentially help pay for expenses like education, buying a first home, or starting a business when the child becomes eligible.
✅ The earlier the account is opened, the more time it has to grow through compound earnings.

This reel breaks down:
• Who qualifies
• Birth date requirements
• How the $1,000 contribution works

If you have kids or know someone who does save this reel and share it with them

IF YOU QUALIFY FOR THIS MESSAGE ME “ TRUMP ACCOUNT” and I’ll send you the information you need for the $1,000 👶💰

07/20/2026

07/14/2026

The Garcia family came to me after being rejected by a handful of other lenders who couldn’t approve them or give them the time of day to come up with a home buying action plan.
They were motivated, they were coachable, they were kind. I stepped in and got creative on how to make their homeownership goals a reality! Here’s what they needed to name a few-
✅ low credit score loan options
✅ 0% down loan programs
✅ flexibility of loan guidelines
✅ someone who could think creatively and outside of the box
✅ seller credits to offset closing costs
✅a low mortgage rate even with less than perfect credit
✅ access to low monthly home insurance rates

This could not have been accomplished without their rockstar realtor, Amanda Carrera | San Diego Realtor! They took advantage of this current market. It will only be a small window for families like this and they went all in. She was coachable as well and found them a perfect spot that fit their needs. She also got them over $15,000 in seller credits!

This is the prime example of why I do what I do. To bring life and motivation to a family that wanted more! Thank you Amanda for this opportunity, reminder, and helping such a special family ❤️

07/06/2026

Lenders and bank don’t want you to know this 👇

How many years can you shave off your 30 year mortgage by making extra payments? (Assumes a 6% mortgage rate)
- 1 extra payment/year ➡️ paid off in 25 years
- 2 extra payments/year ➡️ paid off in 21 years
- 3 extra payments/year ➡️ paid off in 18 years
- 6 extra payments/year ➡️ paid off in 14 years
- 12 extra payments/year ➡️ paid off in 9 years

The same house. The same loan. Paid off in 9 years years instead of 30 by doubling your monthly payment. Every year you shave off is a year you are not paying interest

07/02/2026

💡 Here’s a simple mortgage hack that could save you thousands in interest and help you pay off your home years sooner 🏡💰

Let’s say you currently have a $700,000 loan at 6.5% with a principal & interest payment of $4,425/month.

Here’s what to do:

➡️ Take your monthly payment ($4,425) and divide it by 12 = $368.75

➡️ Set aside $368.75/month in a high-yield savings account.

➡️ At the end of the year, apply that money toward your loan principal. If your loan qualifies, you can also recast your mortgage to lower your monthly payment.

✅ Save on interest
✅ Build equity faster
✅ Potentially pay off your home years earlier

Small, consistent moves can make a huge difference over time.

Want to see what this strategy could look like for your mortgage? Send me a message.

06/22/2026

💰 Need funds fast without the hassle, without the high origination fees, and without higher interest rates? We have the product for you! 👇

Loan Approval in 5 minutes and funds in your bank account in 5 days 💨💰
We’re helping homeowners unlock their equity with our 5x5 Home Equity Product:

✅ Access funds quickly
✅ Pay off high-interest debt
✅ Invest in new opportunities
✅ No appraisal required
✅ Simple and streamlined process
✅ Extremely competitive rates

Whether you’re looking to consolidate debt, renovate your home, invest in real estate, or simply improve your monthly cash flow, your home’s equity could be working harder for you.

Don’t let high-interest debt hold you back when a smarter solution may already be available.

📩 Message me today to see how much you may qualify for!

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