Harold Delcham NMLS 639834

Harold Delcham NMLS 639834 Harold Delcham, NMLS #639834

05/08/2026

Your rate is fixed for a set period, usually 30 to 60 days. If rates improve, your locked rate doesn...

04/24/2026

Buying a home is a lot more about strategy than people think.

Play it smart.

Comment GOLF if you want more real estate takes from the course.

Harold Delcham | Opportunity Mortgage Group | NMLS 639834

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04/22/2026

A lot of people keep asking what’s going on in Orlando right now, so let’s keep it real:

Orlando is not crashing — it’s normalizing.
But for the average first-time buyer, it still doesn’t feel all that affordable.

Yeah, buyers have more options now.
Yeah, there’s a little more negotiating room.
Yeah, the chaos cooled off.

But the bigger issue is still affordability.

So no, the market isn’t crashing, it’s just still expensive.

‼️Comment ORLANDO if you want a deeper buyer or seller breakdown next‼️

Harold Delcham | Opportunity Mortgage Group | NMLS 639834

04/17/2026

A lot of people hear FHA and automatically think, “If I don’t have the down payment, I’m cooked.”

But real talk… that’s not always true.

There are options where that 3.5% may come from a second loan that can be repayable or even forgivable, depending on the program.

And in some cases, there’s also a 5% repayable second mortgage option too.

So for a lot of buyers, the issue is not always qualifying.

Sometimes it’s just figuring out how to make the money part make sense.

That’s why I keep telling people — stop counting yourself out before you even know what options may be out there for you.

Comment 100 if you want me to break this down more.

Harold Delcham | Opportunity Mortgage Group | NMLS 639834

04/15/2026

On the Brightline headed to Miami, and with it being Tax Day, this is your reminder that taxes and homeownership go together more than people think.

For most taxpayers, the federal filing deadline is today. If you need more time, you can request an extension until October 15, 2026 — but real talk, an extension to file is not an extension to pay.

And if buying a home is part of your plan, your tax returns can matter in a big way — especially if you’re self-employed or have multiple streams of income.

So don’t treat Tax Day like it has nothing to do with real estate.

Handle your taxes. Know your numbers. And if buying a home is on your mind, don’t wait until the last minute to get your paperwork right.

Comment TAXES if you want me to do a reel on how tax returns can affect mortgage approval.

Harold Delcham | Opportunity Mortgage Group | NMLS 639834

Unlock your next investment with ease! 🏠✨ Discover the power of DSCR (Debt Service Coverage Ratio) financing and take th...
03/25/2025

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Ready to qualify and elevate your investment game? Let's turn your property dreams into reality! 🌟

Address

2400 Sand Lake Rd #777
Orlando, FL
32809

Telephone

+12679739966

Website

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