Mortgages By Channing

Mortgages By Channing Owner, Bayou Mortgage | NMLS #1235512
See what you actually qualify for 👇
workwithchanning.com

05/20/2026

Did you know you can buy a 2-4 unit property with an FHA loan?
Here's the strategy 👇
✅ Buy a duplex, triplex, or fourplex with an FHA loan
✅ Live in one unit for 12 months (required)
✅ Rent out the other unit(s) — tenants pay your mortgage
✅ Move out after 12 months → keep it as a rental
✅ Rinse and repeat with a new FHA loan
This is how regular people build a rental portfolio without needing investment-property down payments.
Comment "Sell" and I'll send you the full breakdown 📩

05/20/2026

4 mistakes that cost homeowners thousands 👇
1️⃣ Only ONE pre-approval
2️⃣ Underpricing to sell fast
3️⃣ Not lining up closing dates
4️⃣ Picking a path before running the numbers
Save this 📌
Comment "Sell" for the full breakdown 📩

05/19/2026

Selling your house to buy a new one?
The sale contingency is the most common path — your offer on the new home depends on your current one selling first.
✅ No risk of two mortgages
✅ You only qualify on one payment
✅ Most familiar option for sellers + agents
❌ Weaker offer in competitive markets
❌ Tight timing between closings
❌ Seller can keep showing the home
Best fit: most move-up buyers in a balanced market with room to negotiate.
Comment " Sell " and I'll send you the full breakdown 📩

05/19/2026

Need to buy a new house before you sell your current one?
A bridge loan might be the move.
It's a short-term loan that taps your current home's equity → you use it as the down payment on the new house → then it pays off when your old one sells.
✅ Strong, non-contingent offer
✅ Move on your timeline
❌ Higher rates + fees
❌ You carry two payments briefly
Comment "GUIDE" and I'll send you the full breakdown 📩

3 Ways Short
Trying to move but stuck on one question?
Sell first or buy first?
Most homeowners only know about one option. There are actually 3:
1️⃣ Sale Contingency → safest, but weaker offer
2️⃣ Bridge Loan → strong offer, but two payments briefly
3️⃣ Keep it & Rent it → no sale needed, become a landlord
The right one depends on YOUR numbers — not someone else's opinion.
Comment "Sell" and I'll send you the full breakdown 📩

05/19/2026

Client Thought The Home Was Theirs But Missed This!

Most buyers have no idea this is part of the deal.
Comment "Sell" and I'll send you the full breakdown 📩

05/18/2026

Need to buy a new house before you sell your current one?
A bridge loan might be the move.
It's a short-term loan that taps your current home's equity → you use it as the down payment on the new house → then it pays off when your old one sells.
✅ Strong, non-contingent offer
✅ Move on your timeline
❌ Higher rates + fees
❌ You carry two payments briefly
Comment "BRIDGE" and I'll send you the full breakdown 📩

Address

113 Williamsburg Street
Lake Charles, LA
70605

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