Justin Davison, Loan Officer, Nmls#1604492

06/18/2026

Here's something I wish more people understood before they talked themselves out of moving up. That equity sitting in your home right now — it's not just a number on a screen. It's yours. And it can truly work for you.

I talk to families all the time who have outgrown their space. An extra kid, a home office that doesn't exist, a neighborhood they've moved past. They want more, but they assume they can't afford more. THEN we look at what they've built in their current home and the whole picture changes.

You may already have the down payment for your next home. You just don't know it yet because nobody walked you through what that actually looks like.

That's exactly the kind of conversation I love having. Let's run those numbers together!

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

06/11/2026

I talk to people every single week who have been ready longer than they think. They just didn't know it!

They assumed they needed more saved. A higher score. A more stable situation. So they waited. And while they waited, they kept paying someone else's mortgage instead of building something of their own.

If homeownership has been living in the back of your mind as a "someday" goal, let's just talk. Not a commitment. Not an application. Just a conversation. You might be a lot closer to that front door than you even realize!

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

05/21/2026

I had someone tell me last year that they felt too old to buy their first home.

They were 38.

We closed two months later.

There is no expiration date on this. There's no age where it stops making sense. There's no moment where the window closes.

If buying a home is still on your list, it belongs there. Let's talk about what the path looks like from where you are right now.

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

05/14/2026

You don't need a perfect credit score to buy a home.

You need a plan.

I've helped buyers across every bracket — first home, lake home, investment property.

The ones who win aren't the ones who waited until everything was perfect.

They're the ones who asked the question early enough to do something about it.

Where are you in that process?

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

05/12/2026

Curious about options to purchase a home for your Aging Parents or Disabled Adult Children?! Check out this weeks blog!

Learn how the Family Opportunity Mortgage lets adult children or parents buy a home for an aging parent or disabled adult child at primary-residence rates — with as little as 5% down and no investment property penalties.

05/07/2026

I've had buyers come to me with a 780 credit score who weren't ready.

And I've had buyers come to me with bruised credit and a complicated income history who closed without a hitch.

The difference was never the number. It was the conversation we had before the application.

If you've been avoiding reaching out because you're not sure where you stand — that's exactly why you should reach out. Almost 10 years of doing this in the Lincoln market has taught me one thing: the people who ask early always have more options than the ones who wait.

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

04/30/2026

I've never once had someone regret buying their first home.

I have had people regret waiting.

If you're renting right now and wondering whether you're ready — the answer might be closer to yes than you think.

Let's find out together.

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

04/02/2026

The version of Lincoln people price themselves out of before they even start looking isn't the only version that exists.

I hear it all the time.

"I figured I'd have to move further out."
"I didn't think my income was enough."
"I assumed I needed more saved."

And then we sit down. We look at what's actually available. We talk about the loan options, the neighborhoods, the programs designed for buyers exactly where they are.
And the conversation changes.

Lincoln has real opportunity for first-time buyers right now. Not in a sales pitch kind of way. In a here are the actual numbers, here is what's available, here is what this could look like for you kind of way.

The assumption that you can't afford it might be the only thing standing between you and finding out that you can.

Let's find out!

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

03/26/2026

Nobody really prepares you for what it feels like to make your first mortgage payment.

Not the logistics of it. Not setting up autopay or figuring out your escrow. I mean the moment you actually sit with the fact that you just paid toward something that belongs to you.

I've had clients tell me there's this strange mix of feelings that hits. Pride. Responsibility. A little fear. Relief.
Because for a lot of people, that payment isn't just a bill. It's proof. Proof that the version of themselves who doubted this was possible was wrong!

If you're still on the outside of that moment looking in, I want you to know it's closer than you think. I've helped people get there who were certain it wasn't in the cards for them.
It doesn't have to be perfect timing. It just has to be the right move for where you are.

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

03/25/2026

🚨 Big Insurance Update for Homebuyers & Homeowners 🚨

I’m happy to share some important news that could make a real difference in affordability and flexibility when it comes to homeowners insurance.

Thanks to updated guidance from Fannie Mae and Freddie Mac, the requirement for full replacement cost coverage on roofs has officially been retired for 1–4 family homes and condominiums.

👉 What does this mean?

✅ Replacement Cost Coverage is NO longer required for roofs
✅ Roofs still must be insured, but Actual Cash Value (ACV) is now acceptable
✅ Replacement Cost Coverage is STILL required for the dwelling/structure

This is a big win—especially for buyers dealing with older roofs or higher insurance premiums. It opens up more options and can help keep deals together that may have previously hit a roadblock.

If you have questions about how this impacts your current loan or a future purchase, I’m always here to help!