Robert Erath NMLS #297076

05/14/2026

MYTH: You need 20% down to buy a home.

FACT: Most first-time buyers put down 3-5%.

Here’s a quick breakdown of your options:
FHA loan - 3.5% down (580+ credit score)
Conventional - as low as 3% down
USDA & VA - 0% down if you qualify

Don’t let this myth keep you renting another year.

DM me “DOWN” and I’ll show you exactly what you’d need for a home in your price range.

- Robert Erath | Team Erath
NMLS #297076 | United Mortgage Corp NMLS #1330

03/23/2026

🚀 Tired of getting denied for investment properties because of your personal income or tax returns?
Meet the DSCR Mortgage — the game-changer for real estate investors!
✅ Qualify based on the property’s rental income, not yours
✅ No W-2s, paystubs, or tax returns required
✅ Perfect for self-employed investors, LLCs, and portfolio builders
✅ Cash-flow focused: Lenders want your property to cover the mortgage (typically 1.0+ DSCR)
Whether you’re buying your first rental or scaling to 10+ properties, DSCR loans let the house pay for itself.
💰 Lower barriers. Faster closings. More deals.
DM me “DSCR” if you’re ready to unlock your next investment property!
NoIncomeVerification InvestmentMortgage RealEstateTips NonQMLoans BuildWealth

03/19/2026

Self-employed and tired of tax returns holding you back from homeownership?
Say goodbye to W-2s, 1040s, and complicated deductions!
Our Bank Statement Loan Program is built for YOU:
✅ Qualify with just 12-24 months of personal or business bank statements
✅ NO tax returns required
✅ NO pay stubs or W-2s needed
✅ Down payments as low as 10% (in many cases)
✅ Up to 90% financing available
✅ Perfect for business owners, freelancers, 1099 workers, and entrepreneurs
Your deposits tell the real story of your income—let’s use that to get you into your dream home!
DM me ‘BANK STATEMENT’ or comment below if you’re self-employed and ready to explore options. Let’s make homeownership happen without the tax headache! 🏡💼
NonQM SelfEmployed BusinessOwnerLife MortgageTips HomeBuying RealEstate EntrepreneurMortgage DreamHome FirstTimeHomeBuyer Refinance”

09/21/2025

🍁 Fall has officially arrived

The summer was about iced coffees and sunshine… but fall? Fall is about slowing down, cozying up, and maybe even finally running the numbers on a new place to call home.

This season feels like:

☕️ Pumpkin spice and lower interest rates talk
📲 Late-night scrolling Zillow and rate calculators
🥧 Sunday soups simmering while dreaming of a bigger kitchen
🍁 Long walks under golden leaves with the thought, “maybe it’s time”

Here’s the thing → mortgages aren’t just about numbers. They’re about seasons changing, lives shifting, and choosing the right move for your future.



What’s the one change you’re ready to make this fall? 👇

01/20/2025

Find your happy place with as little as one percent-down by getting a helpful boost from loanDepot and Fannie Mae. Qualified first-time homebuyers could get up to $8,000 in down payment assistance through accessONE+. Together, we’re making the dream of homeownership more accessible.

https://www.loandepot.com/rerath?utm_source=TE&utm_medium=Social&utm_campaign=132870-9106c&ldec=Retail_TE_Social_132870-9106c&loid=rerath

🏡 Mortgage Professional | 20+ Years Experience
📊 Guiding you to your dream home with expert advice
🤝 Dedicated to finding the best mortgage solutions
💬 Let's connect and make homeownership a reality!

11/17/2024

Wondering how much house you can afford? If you're looking to transition from a rental to a home of your own, our Rent vs Buy calculator can run many different scenarios with just a few pieces of information.

https://www.loandepot.com/mortgage-calculator/rent-vs-buy?loid=rerath

11/13/2024

Find your happy place with as little as one percent-down by getting a helpful boost from loanDepot and Fannie Mae. Qualified first-time homebuyers could get up to $9,000 in down payment assistance through accessONE+. Together, we’re making the dream of homeownership more accessible.

https://www.loandepot.com/rerath?utm_source=TE&utm_medium=Social&utm_campaign=132870-9106c&ldec=Retail_TE_Social_132870-9106c&loid=rerath