Aundrea Beach-Greco, Mortgage Lender - NMLS 333739

Aundrea Beach-Greco, Mortgage Lender - NMLS 333739 Mortgage Pro, Financer of Dreams, Wealth Teacher, Helping Realtors Save Time and Make More Money. To learn more, visit my website at www.AundreaBeach.com.

It's not about the home loans we do, it's about the families we serve and the lives we impact. I am a licensed mortgage originator, NMLS # 333739, and am licensed to originate mortgage loans in the following state(s): Nevada, California. The Beach-Greco Team's offices are not open to the public on weekends to carry out any substantial business functions. I’m here for you. My goal as a mortgage plan

ner is to provide the best loan product for your needs at the highest level of dedication and customer service. What this means is, I promise to devote my time to getting you the best program, interest rate and terms. I am available to answer your questions, and will never be too busy to sit down and explain the details of our transaction. Buying a house should be an exciting, enjoyable experience. Helping you reach your goals and cutting out the headache of buying your next home is the most fulfilling part of my job! I strive to make your loan process easy and hassle-free. Experience is key in this ever-changing market, and you’ll find I have the skills and knowledge to make your loan process run smoothly. As a testament to efficacy, I have grown my business mainly on trusted referrals from both Real Estate Professionals and clients. I want you and your referrals to have a long term business relationship with me, and will do what it takes to get you exactly what you need and what you want! CMG Home Loans, dba CMG Financial - NMLS 1820 - Branch NMLS 929754
8337 W. Sunset Road, Suite 300
Las Vegas, NV 89113
Office (702) 777-1306
Get Pre-Approved: www.iLendLasVegas.com

07/31/2026

How will the new credit scoring model change whether you qualify for a mortgage? Here is the good news and there is quite a bit of it.

As of this spring lenders can now use newer models like VantageScore 4.0 and for a lot of buyers this is a genuinely meaningful development.

The old system judged your credit on a single snapshot in time. One moment. No context for where you had been or where you were headed. The new models look at a full 24 months of credit history which means they actually reward you for trending in the right direction. If you have been steadily paying down a balance and improving your financial habits over the past two years that progress now counts in a way it simply did not before.

Even better the new models can count things the old model ignored completely. On-time rent payments. On-time utility payments. If you have been consistently meeting these obligations month after month that history can now factor into your credit picture. For people who have been responsible with their money but have a limited traditional credit file this is a significant change.

Estimates suggest this could help around 5 million more people qualify for a mortgage, especially first-time buyers and anyone who has been told their credit file is too thin.

Here is the smartest move you can make right now. Ask your lender which scoring model they are using. The rollout is still expanding and not every lender has full access yet. And ask them specifically what you can do to continue improving your score because the higher your credit score the better the rate and terms you qualify for. Those two things together can save you significant money over the life of your loan.

Reach out if you want to talk through your credit situation and what options are available to you today.

07/29/2026

Should you buy now or keep waiting for rates to come down? Here is the question that actually matters.

After the Fed's June meeting rates ticked up and the signal from the Fed is clear: higher for longer. So instead of trying to guess where rates are headed next, focus on something you can actually control: your negotiating power.

Here is the good news. Cooler competition in today's market means buyers often have real leverage that simply was not on the table a couple of years ago. Price reductions, closing cost credits, and rate buydowns are all being negotiated right now by prepared buyers who know how to use the current environment to their advantage.

The strategy is straightforward. Lock in the right home and a strong deal now. Refinance the rate later when the market shifts in your favor. You capture the asset at today's price with today's seller concessions and you get the rate improvement when it comes.

Trying to time the perfect rate and the perfect price simultaneously is a strategy that rarely works. Controlling what you can control right now is the move that consistently produces results.

Reach out and let's talk through what your negotiating power actually looks like in today's market.

07/28/2026

Some of your buyers may qualify for a zero down loan today even if they did not qualify just a few weeks ago. And this is worth paying attention to right now.

USDA recently announced updated income limits for its Single Family Guaranteed Loan Program with the new limits taking effect on July 13, 2026. In many parts of the country this means more households may now qualify for USDA financing, which offers 100 percent financing with no down payment required for eligible buyers.

This is not a minor adjustment. If you have had buyers sitting on the sidelines because they were just over the income limit before July 13th it is absolutely worth taking another look at their situation right now.

Here is the important detail to keep in mind. USDA income limits are based on the property's county and household size so the exact qualifying thresholds vary depending on where your client is buying. A buyer who did not qualify in one county may qualify in a neighboring one. And a buyer who was just over the limit before the update may now be comfortably under it.

Zero down payment. No private mortgage insurance structured like conventional PMI. Competitive rates. USDA financing is one of the most powerful tools available for buyers purchasing in eligible areas and the updated income limits just expanded who can access it.

If you have a client you are not sure about reach out and I will run the numbers to see if they qualify. No pressure and no obligation.

07/22/2026

Higher mortgage rates have slowed some activity in the housing market. But that does not mean opportunity has disappeared. Not even close.

A slower market creates conditions that simply did not exist during peak competition. Less competition from other buyers means your offer is not going up against five others the same day. More time to make decisions means you are not pressured into waiving inspections or making choices you will regret. And greater flexibility when negotiating with sellers means terms, credits, and concessions that were off the table entirely twelve months ago are now genuinely available.

The key is focusing on what is actually happening in your local market rather than reacting to national headlines that may have nothing to do with the specific neighborhood or price range you are targeting.

On the lifestyle side there is an important trend worth knowing about. A recent National Association of Realtors survey found that 89 percent of people value sidewalks and places to walk and 63 percent said they would pay more to live near parks, shops, and restaurants. For agents that means highlighting the lifestyle around a property can be just as powerful as promoting the home itself. The walkability and community context of a listing is increasingly a deciding factor for buyers.

If you have buyers who want to review their options in today's market send me a message. The opportunity is there for the buyers who are paying attention and prepared to act.

07/15/2026

Can you really trust AI to shop your mortgage and guide your home purchase? The newest data has some surprising answers worth paying attention to.

A brand-new survey found that 76 percent of buyers are now comfortable letting AI shop lenders for them and 89 percent would happily share their financial details to get personalized mortgage advice. Those numbers show just how powerful these tools have become and how quickly buyer attitudes toward AI in the mortgage process have shifted.

And honestly AI does some things really well. Comparing loan options across multiple lenders quickly, organizing paperwork, running payment scenarios fast, surfacing programs a buyer might not have known to ask about. For the heavy lifting of information gathering and number crunching these tools are genuinely useful.

But here is where it gets important. The buyers who win are the ones who let AI handle that heavy lifting and then bring in a great loan officer to read between the lines, catch what a screen could miss, and fight for them when it actually counts. An algorithm cannot pick up the phone and advocate for your file when an underwriter has a question. It cannot notice that your situation qualifies for a program the standard comparison missed. It cannot bring judgment and experience to a situation that does not fit neatly into a dropdown menu.

Use both and you get the best of what is available: speed and efficiency from the technology plus a real human in your corner when the stakes are highest.

Reach out and let's talk about how to put both to work for you.

07/04/2026

Something big just happened in Washington and as your loan officer I want to be the one to break it down for you before the headlines confuse the picture.

Congress just passed the 21st Century ROAD to Housing Act with strong bipartisan support. This is the most significant housing legislation in nearly two decades and it matters directly to buyers, sellers, and homeowners throughout the country.

Here is what it means in plain terms. The legislation encourages more homes to get built which addresses the inventory shortage that has been one of the most persistent challenges in the housing market for years. It opens up more mortgage options for everyday buyers expanding access to financing beyond what currently exists. And it helps level the playing field so regular families get a fairer shot against large institutional investors who have been competing for the same properties.

The bill is at the President's desk now so the full timeline and implementation details are still unfolding. I am tracking every development closely and will keep you updated as this becomes clearer.

Here is what I want you to know right now. The smartest move you can make in a moment like this is having a loan officer who turns major headlines into a real and personalized plan for your specific situation. Generic information is everywhere. A strategy built around your goals, your timeline, and your financial picture is what actually makes a difference.

That is exactly what I am here for. Reach out and let's talk through what this legislation means for you specifically.

You Could Be A Homeowner in 90 days or Less!Join this free live class and I'll show you exactly how with less money out ...
05/03/2026

You Could Be A Homeowner in 90 days or Less!
Join this free live class and I'll show you exactly how with less money out of pocket — even with less-than-perfect credit, and even if you've been told no before.
Wednesday 05-13-2026 07:00 PM 😊Online😊 FREE 😊Limited Spots
RSVP: https://www.mortgagetobuyahouse.com/opt-in-page-live

01/23/2026

With the recent drop interest rates 👇 every home in America is on sale … it’s just a great time for buyers. With a full point decrease in interest rates that means your payment just went down and you’re buying power went up.

it’s a new year… stop paying your landlord‘s mortgage and start investing in yourself!

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