The Tactical Lender

The Tactical Lender Dustan Broom is a nationally recognized mortgage professional, known for his precision, creativity, and no-nonsense approach to lending. NMLS #1155641

Nicknamed “The Tactical Lender”, Dustan blends over 15 years of industry expertise helping buyers. Dustan Broom The Tactical Lender | Loan Officer to the Stars

Dustan Broom is a nationally recognized mortgage professional, known for his precision, creativity, and no-nonsense approach to lending. Nicknamed “The Tactical Lender”, Dustan blends over 15 years of industry expertise with a deep passion

for helping families and first-time buyers navigate homeownership with clarity and confidence. A powerhouse both in the gym and the mortgage world, Dustan brings the same discipline and intensity he uses to crush personal records to closing loans—earning a reputation for saving deals that others can’t. With a record of 73 and counting, successful closings in 2025 and a zero-purchase fall-through rate, he’s built a career on trust, transparency, and relentless follow-through. Beyond lending, Dustan is a proud father, family man, and community advocate—sponsoring local sports programs and mentoring young athletes like his son, Cade “Young Titan” Broom. Whether he’s breaking down Federal Reserve policy, posting motivational gym updates, or designing creative Bigfoot-themed marketing, Dustan’s authenticity and drive set him apart as more than a lender—he’s a brand, a mentor, and a force of nature.

25k under recent appraisal in hand! Talk about instant equity in Roeland Park, that never happens, most pay over value. ...
11/14/2025

25k under recent appraisal in hand! Talk about instant equity in Roeland Park, that never happens, most pay over value.
Walking distance to 5 🌟 🌟🌟🌟🌟 Roesland Elementary and only 1 mile from the great Bishop Miege High School.
Check out 5000 Fontana St Roeland Park KS.
https://www.zillow.com/.../5000-Fontana.../2140589154_zpid/

Don't forget about the fantastic financing options on this gem!

Who wants OPEN HOUSE COOKIES!?!?!
10/11/2024

Who wants OPEN HOUSE COOKIES!?!?!

Mortgage did ya know: The last time the Fed adjusted the fed funds rate was July 2023. They raised it 0.25% (quarter poi...
09/17/2024

Mortgage did ya know:
The last time the Fed adjusted the fed funds rate was July 2023. They raised it 0.25% (quarter point, or 25 basis points). Since then, we have seen mortgage rates go all the way up to 8.125% (oct 2023) and have fallen to 6.125% (currently)
My point is, the fed rate doesn't effect mortgage rates, a 2% variance on the same fed funds rate is what we've seen in the last 12 months. The market affects mortgage rates. If you're "waiting for the fed rate drop to lower mortgage rates" as the media has done a great job at headlining, you're in for a huge disappointment. The drop/adjustment has already happened.
Best guess...we MIGHT see 1/8th of a percent farther drop, unless the fed goes way off script, which doesn't seem to be the case given all the other data feeding into their decision. That 1/8th of a percent will save you about $35 bucks a month on a 450k mortgage. Yet, when everyone floods back to the market "because rates dropped" you can bet a 450k house may end up going for 460k, remember there's still a housing shortage. That extra 10k, just added about $60/month to the payment. You waited to save $35 bucks to spend $60 more in this scenario. If you're approved, go look at houses today, if you're not approved call me now. As always, please stay away from "mortgages hacking" or "Influencer gurus."

09/09/2024

🚨🚨Waiting for a Housing "correction" before buying? 🚨🚨

Thinking that 2008 will happen again?

🌟🌟🌟Some interesting facts for you to consider. 🌟🌟🌟

👉In 2008 huge demand for more mortgages was created due to the packaging of mortgage bonds mixed with horrible rating practices. (packaging B and BB bonds with AAA and then rating the bond AAA, then add in the synthetic bonds)
👉This Demand fueled for more "creative" sub prime crap.
👉Sub-prime mortgage market share in 2008 was more than 20%, today it's less than 2%.
👉Delinquency Rate on Single-Family Residential Mortgages hit 11.48% - remember it's mayhem if it goes above 8%.
👉Today delinquencies are at 1.73%, Lowest since early 2000s.
👉People don't walk away from money, average "skin in the game" (down payment) in 2008 was below 2% - Today it's near 10%
👉When the subprime crap adjusted, people just walked away from the home setting off a record number of foreclosures.
👉Foreclosure starts at it's peak during this crisis were near 580,000 Q2 2009
👉Today foreclosure starts for Q1 2024 was 67,000 to put that into perspective it was over 100k in Q4 2016. (pre-covid and still some supply of homes anomaly numbers)
👉The only time in recorded history foreclosures were this low was when there was a moratorium to prevent foreclosures.
👉New construction was at record highs in 2006, lots of supply.
👉Today they are building at less than 10% of the demand, yes it's that low.
👉The housing market, with exception of 2008, has pulled the US out of every downturn and recession since the Great Depression.
👉After the financial meltdown that nearly crippled and took out the world economy home values as a whole, national average fell 19.6%, that's it! Some places of course worse than others, but the national average was less than 20% decrease in value.

So if you're waiting for a correction, you will either be waiting indefinitely or your reward would be a reduction that of less than a years worth of value gain, so you waited for nothing all while spending money on something you'll never see a return on (rent).

It's time in the market... NOT timing the market.

Best time to buy was yesterday, so since you can't do that the next best time is now.

08/21/2024

NEW HOME PURCHASE.
FHA 4.750% Fixed 30 Year, (5.498% APR)
No POINTS to BUYER! Fico 640. Smell what's cooking?!

08/06/2024

Lots of misinformation floating around regarding these recent rate drops.
To set it all straight. We have seen in the past month a drop from low 7s to lower 6's (yesterday) bouncing back to 6.5% today. This is a drop of over 1.5% since the highs of Oct 2023
Quick bullet points

👉1/2% is not worth a refi, hold a little longer.
👉The drops, 1/2% will add about 20-30k in buying power.
👉1/2% drop saves less than $100/month on a 300k loan.
👉Mortgage interest is NOT compounding (yes someone said this yesterday)
👉The time you PLAN to stay in a property should not sway you from a refi, if it helps you, do it, plans change.
👉If you have questions CALL YOUR LO who did the deal, not your real estate agent, not the current lender you make payments to, call your LO. If they did a good job the 1st time THEY should be rewarded with the income that comes from doing a refi again, if they did terribly, call me like you should have the 1st time. 😉
👉"Streamline" Refinances still cost money and or roll cash into the loan amount, but are limited on the amount of cash so that can become problematic.
👉"Streamline" is reserved for only one loan type these days, FHA.
👉VA has a similar program called IRRRL, but it still costs.
👉Currently those are the only "Streamline" options.
👉Typically 'Streamline" refi the only difference is they can be with no credit, no appraisal, and no income considered. We still make sure you have a job. They require the same amount of work as most loans, and...they have a choice of credit scoring and getting an appraisal.

Finally, stop "liking and subscribing/following" people who ask you to, for "great life hack advice." From what I've seen so far, it's been terrible advice.

07/15/2024

6.375% Conventional Home Ready program 5% down,
30-year Fixed, 705 FICO, APR - 6.576%. Yea, that just happened.
NMLS 1155641

06/07/2024

Job report. Sending rates slightly higher today than they were yesterday, STILL DOWN from the end of May.

Why... Added 272,000 jobs off the 180k expectation. Why were so many more jobs added?
A lot more people lost their jobs and had to be replaced. The reality is, the labor force shrunk. Somehow this is all getting overglazed and the ONLY number the markets are reacting to, along with the media reporting, is 272k on the expected 180k.
The unemployment rate in the United States rose to 4% in May 2024, the highest since January 2022, up from 3.9% in the previous month and surprising market expectations, which had forecasted the rate to remain unchanged. The number of unemployed individuals increased by 157,000 to 6.649 million,(there's the jobs that needed to be replaced) while employment levels went down by 408,000 to 161.083 million. Meanwhile, the labor force participation rate dropped to 62.5% from 62.7%, and the employment-population ratio decreased to 60.1% from 60.2%. source: U.S. Bureau of Labor Statistics. What's scary here, we still are not at the labor participation rate we were at BEFORE COVID.
This good news is a f***s sandwich wrapped in fondant with a cherry on top.

So Why did I brush on rates with the jobs report? Glazing over the bad and running with just the "272k higher than expected" causes rates to go up, in some cases 1/8%-1.4% just today! (the market loves knee-jerk reactions) We need the market and media to report all the grit. I know it seems weird that adding 272k above expectations is good news and it is, but rates and the market need some bad news in that arena to lower rates and cool inflationary measures. I do have a feeling the market will have a better reaction on Monday.

NEW SCAM out there! Just happened to one of my people. Sadly there are pond scum in the mortgage biz. When we run a pers...
05/16/2024

NEW SCAM out there!
Just happened to one of my people. Sadly there are pond scum in the mortgage biz. When we run a person's credit, the creditors that run it, sell that info. We try our best to give as little information as possible but they now piece together the info from all kinds of data farms. My new client got a call at 8pm last night (way out of operating business), they pretended to be associated with me.
They took his info, made a claim he's all pre-approved, and then TOOK $500 to "run his credit." Scam achieved! Beware, my people, do NOT pay any mortgage guy to do basic things when it comes to getting you approved.

Haven't shared one of these in a while. I like this one! This family was told NO by multiple lenders. 🤬
12/29/2023

Haven't shared one of these in a while. I like this one!
This family was told NO by multiple lenders. 🤬

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Lees Summit, MO
64063

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