Brian Harris - Loan Originator

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Brian Harris - Loan Originator Mortgage Loan Originator
NMLS #2027455
Industrial Bank
NMLS #488640
(www.nmlsconsumeraccess.org)
Equal Housing Lender

10/14/2026

Homebuyers Can Shape Their Mortgage Rate
One thing I've learned—both on the basketball court and in the mortgage world—is that preparation and strategy make all the difference. Recent analysis of 1.35 million US purchase loans (Early-Q1 2023 through Late-Q4 2025) confirms just how much control borrowers can have over their mortgage rate. Even within the same month, the middle 80% of homebuyers saw a 93-basis-point spread in their rates. That’s nearly $28,400 in home price difference on a $2,000 monthly budget—substantial for anyone mapping out their next move.

Credit score plays a starring role. Moving from the high 600s to a 720 score opened the door to noticeably better pricing, with 700 and 720 as the key thresholds. But what stands out, in my experience guiding clients, is the impact of comparison shopping. Within retail lending, a highly competitive lender outperformed a typical one by 19 basis points—translating to about $5,800 in value. Hitting 20% down didn’t shift the rate much (just 0.7 basis points), but the real benefit came from avoiding mortgage insurance.

Every client’s journey is unique, but being proactive, well-informed, and strategic—just like in sports—can help shape your outcome. As always, I’m here to help you navigate the details so you can make the most of your home financing opportunities.

10/13/2026

Smart Home Buying Tips With Current Mortgage Rates
With mortgage rates holding steady above 7%—the 30-year fixed currently at 7.12% thanks to inflation and recent Fed decisions—many buyers are wondering if there’s still an opportunity to secure a great deal. Having transitioned from accounting to the mortgage world, I know firsthand how a shifting market can create windows of opportunity. This fall, home prices are averaging about 5% lower than during the summer months. For buyers, this means more room for negotiation as inventory rises and the pace slows. Achieving your homeownership goals sometimes comes down to strategy and timing, much like a well-executed basketball play. I’m here to help you navigate every step, ensuring you’re equipped to make the most of today’s market conditions.

10/11/2026

Honoring the Significance of Indigenous Day

10/07/2026

Bargain Hunting With Rates Above 7%
Navigating the housing market when mortgage rates linger above 7% can feel like a test of discipline and patience—a mindset I know well from my days on the basketball court and years in accounting. Recently, as Treasury yields have pushed borrowing costs higher, I’ve seen many buyers keeping affordability front and center while waiting for the right moment to act. If you’re planning your next move, it’s smart to prepare for rate shifts—recent studies suggest building in cushions: think about rates rising by half a point within three months, three-quarters in six, and up to a full point over the next year.

Interestingly, those who buy later in the year often find themselves with more negotiating power. Typical home prices have been around 5% lower in early Q4 compared to late Q2, and with a five-month supply on the market, there’s less competition and more room to negotiate on price, closing costs, discount points, or even temporary rate buydowns. For those who are still waiting, the market has recently priced in further Fed tightening—but with the longer-term focus remaining on cooling inflation, there’s hope for eventual relief in mortgage costs.

My goal is to help you approach these market shifts with confidence, leveraging both strategic planning and a team-oriented mindset to guide you through every step of the financing process.

10/06/2026

Mortgage preapproval vs. prequalification: Which should you choose?
When it comes to preparing for a home purchase, understanding the difference between mortgage prequalification and preapproval is key. Prequalification is a quick estimate of your borrowing power, based on the numbers you provide—no credit checks or document reviews required. Preapproval, on the other hand, takes things a step further. Here, you’ll submit verified documents and go through a hard credit check, resulting in a conditional loan commitment (though it’s not a final guarantee).

Having been on both sides of the paperwork—first as an accountant, now as a mortgage advisor—I know just how important it is to have clarity before you start house hunting. My approach is shaped by years of discipline and teamwork, both on the basketball court and in my professional life, and I’m committed to helping each client feel informed and confident at every step. Whether you’re just starting out or ready to make your next move, understanding these options can help you plan your path to homeownership more effectively.

What Is an Open-End Mortgage?Open-end mortgages can offer homeowners a unique kind of flexibility: once you’ve closed, y...
10/02/2026

What Is an Open-End Mortgage?
Open-end mortgages can offer homeowners a unique kind of flexibility: once you’ve closed, you’re able to borrow additional funds up to a set limit, with interest charged only on what you actually use. This option can be helpful if you anticipate future expenses and want access to additional capital without the need for a brand new loan—though it does require strong credit, sufficient home equity, and often comes with higher rates and restricted availability. Over the years, I’ve seen clients weigh these features against more common options like home equity loans or HELOCs, which can sometimes provide a better fit depending on your individual needs and financial goals. As someone who values detail and collaboration, I’m always focused on helping buyers understand the full range of possibilities so they can make informed decisions about their home financing.


https://www.roomvu.com/agent-news/brian-harris-2/1976702-What-Is-an-Open-End-Mortgage%3F

Amortization Explained: Why Interest Is Higher Early in MortgagesOne aspect of the mortgage journey that often surprises...
10/01/2026

Amortization Explained: Why Interest Is Higher Early in Mortgages
One aspect of the mortgage journey that often surprises people is how much of those early payments go toward interest rather than principal. This is all part of the amortization process—a key concept I walk through with every client. In a fixed-rate mortgage, your payment stays consistent, but at first, a large portion covers interest. With variable-rate mortgages, payments adjust as the market shifts. Paying a little extra or choosing to refinance can help cut down overall interest, though it’s important to be aware of potential penalties. Amortization schedules break down exactly where your payments go each month, and understanding them can make a big difference in your homeownership experience. My background in accounting and my commitment to detail drive me to make sure you’re always informed, confident, and positioned for long-term success as you navigate your mortgage options.


https://www.roomvu.com/agent-news/brian-harris-2/1974490-Amortization-Explained%3A-Why-Interest-Is-Higher-Early-in-Mort

09/30/2026

The Best Time to Buy a Home in 2026
Timing can make all the difference in the homebuying journey. According to recent data, the period from September 27 to October 3 stands out as the window when buyers could see the best combination of inventory, pricing, and market pace nationwide. During this stretch, active listings were projected to be up 31.9% compared to the year's start and 13.3% higher than the average week—offering buyers greater choice across the country. Listing prices were forecasted to sit 3.5% below their seasonal peak, which could mean about $14,000 in potential savings on a median-priced home near $416,000. With competition expected to be 30.1% lower than the year's high and homes spending around 64 days on the market, buyers had more breathing room to make informed decisions.

From my perspective as someone who values preparation and strategic thinking (a mindset shaped both by my background in accounting and years on the basketball court), these market dynamics highlight how important it is to stay alert to seasonal shifts. I’ve seen firsthand how entering the market at the right time can give buyers a real edge—whether you’re purchasing your first place, refinancing, or adding to your investment portfolio. As always, my goal is to help you navigate these decisions with confidence and clarity, making sure every move aligns with your long-term goals.

Address

99 Commerce Place
Largo, MD
20774

Telephone

+14106359355

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