Chue Vang - Loan Officer/Originator - NMLS ID: 2739986

10/16/2026

🏡💰 DON'T JUST NEGOTIATE THE PRICE. NEGOTIATE YOUR CLOSING COSTS!

Did you know seller concessions could help reduce your out-of-pocket costs when buying a home?

💡 A seller may agree to contribute toward eligible closing costs, prepaid expenses, or discount points to help lower your mortgage rate.

🏠 **Example:** :
On a $300,000 home, negotiating a $6,000 seller concession could help cover eligible closing expenses and keep more money in your pocket!

In today's market, it's worth exploring your options. Every seller and situation is different, and loan program limits apply.

Thinking about buying a home in Wisconsin? Let's talk about your options!

Chue Vang | Loan Officer-Originator
NEXA Lending | NMLS #2739986

10/15/2026

💍🏡 **DATE THE RATE, MARRY THE HOME! ❤️**

With mortgage rates hovering around 7.4% nationally and affordability still a challenge for many buyers, I know some people are thinking about waiting for rates to come down before buying a home. Rates are based on market conditions and can change quickly.

But here's something to consider:
What if you find the right home before rates come down?

❤️ **Marry the home.**
Find a home you love, in a location that works for your family, at a price you can comfortably afford.

💍 **Date the rate.**
If mortgage rates drop in the future, you may have the opportunity to refinance into a lower rate and payment, provided you qualify and the numbers make sense.

🏡 **Don't forget the market.**
When rates are higher, some buyers step back, which may mean less competition and more room to negotiate on certain homes. Every neighborhood and property is different, though!

⚠️ One important reminder: Refinancing isn't guaranteed, and it comes with costs. That's why the home and monthly payment need to make sense for you *today* — not just based on the hope that rates will fall tomorrow.

The goal isn't to buy a home just because you can. It's to make a smart move when the timing, finances, and home are right for you.

Thinking about buying a home in Southeast Wisconsin? Let's talk through your options and see what makes sense for your situation. No pressure, just a plan! 🤝

**Chue Vang | Loan Officer-Originator**
NEXA Lending | NMLS #2739986

09/29/2026

🏡 **Mortgage Rates Are Back Above 7% — What Does This Mean for Homebuyers?**

Mortgage rates have climbed above 7%, making homeownership a little more challenging for buyers. As of September 24, the national average for a 30-year fixed mortgage was 7.03%.

So, what can we expect moving forward? Rates may continue to fluctuate as inflation, the economy, and bond markets evolve. While we may see some relief down the road, there are no guarantees that rates will drop anytime soon.

**The good news? There are still opportunities out there!** 🏡 More homes on the market can mean more choices for buyers, and purchasing a home doesn't necessarily mean you're locked into today's rate forever. If rates decrease in the future, refinancing may be an option, depending on your situation.

The most important thing is finding a monthly payment that works for you today, rather than waiting for the perfect rate.

If you're thinking about buying a home, let's talk about your options. Sometimes, the right opportunity is closer than you think! 😊

Feel free to reach out. I'm happy to help you explore your options!

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09/11/2026

Remembering September 11, 2001. 🇺🇸

I was a senior in high school when I heard over the intercom during my second-hour class that the Twin Towers had been attacked. At the time, I don't think I fully understood the impact of what was happening.

It wasn't until later that day, when I saw the panic as people rushed to gas stations and gas prices suddenly skyrocketed, that it really started to sink in that something had changed.

September 11 is a day we will never forget. We remember those who lost their lives, the families who lost loved ones, and all those who showed incredible courage and sacrifice that day.

Today, let's also remember how precious life is. Cherish your family. Cherish your friends. Tell the people you love that you love them. We never know what tomorrow may bring.

🇺🇸 Never forget. 🇺🇸

09/08/2026

Today's Mortgage Rate Thoughts:

Today’s 30-year fixed mortgage rate: 6.89%

Is it the lowest rate we’ve ever seen? No.
But does that mean you should put your homeownership plans on hold? Not necessarily.

When you're buying a home, it can help to think beyond today's rate and consider where you want to be 5, 10, or even 20 years from now. 🏡

The right home, the right payment, and a plan that fits your budget may be more important than waiting for the “perfect” rate — which none of us can predict.

And if rates improve in the future, refinancing may be an option depending on your situation and the market at that time.

Don’t just think about today’s rate. Think about tomorrow’s goals. 🔑🏠

If buying a home is part of your future plans, let's talk about what that could look like for you.

09/07/2026

Happy Labor Day! 🇺🇸

Today is a great day to recognize and appreciate all the hard work that goes into building a better life for ourselves and our families.

For many people, one of the biggest rewards of that hard work is owning a place to call home. A home is more than just four walls—it’s a place to rest, make memories, raise a family, and enjoy the fruits of your hard work.

So today, take some time to relax, enjoy your family, and be proud of how far your hard work has brought you.

Happy Labor Day! 🇺🇸🏠

And if owning a home is one of your goals, I'm always happy to help you explore your options. 😊

09/07/2026

I had my wife cut my hair today, and it took her a little over 5 minutes.

When she finished, she laughed and said, “That's done. Wow, it's pretty fast now!”

I said, “Really? THAT fast?”

I told her maybe she could pretend to cut my hair for another few minutes… just so I could feel like I still have some hair left.

Getting older and balding isn't fun. I was just hoping to keep my hair a little longer.

But then I remembered one of the benefits of owning your own home… At least when your wife starts laughing at your haircut, you have your own house to hide in!

Just close the door, find a quiet room, and pretend you're checking the mortgage rates. Homeownership has its perks!

If you're thinking about buying a home, I'd be happy to help you figure out what options might work for you. 🏡

08/07/2026

💡 **Planning to buy a home? Here's a tip that could save you time!**

If you're planning to use savings for your down payment and closing costs, it's usually best to keep those funds in a **bank account** rather than storing cash in a lockbox or at home.

I recently helped a wonderful couple get pre-approved after they waited a couple of months to deposit their savings into a bank account. Mortgage lenders generally need to verify where your funds come from, and having the money in your account for at least **60 days** (often called **"seasoned funds"**) can make the approval process much smoother.

Every situation is different, but planning ahead can help avoid delays when you're ready to make an offer.

If you're thinking about buying a home and have questions about the process, I'd be happy to help!

07/23/2026

📖 **Story Time!**

A few weeks ago, one of my buyers closed on their new home, and it was one of those transactions where everything came together. 🏡🎉

Their realtor did an amazing job negotiating **$8,000 in seller concessions** (money from the sellers), which helped reduce their closing costs.

On my side, I was able to get them a **1-0 temporary rate buydown** through one of our preferred lenders at no additional cost to them. That means they'll enjoy a lower monthly mortgage payment during their first year in their new home. 🙌

I love moments like this because buying a home isn't just about getting to the closing table—it's about finding opportunities that can help make homeownership more affordable.

Every buyer's situation is different, and there are often programs or strategies that many people don't even know exist. If you're thinking about buying a home or just have questions about the process, I'd be happy to help you explore your options!

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Note: This 1-0 temporary Rate Buydown is available for a limited time until August 31 only!

07/22/2026

🏡 Homeownership isn't always about paint colors and new furniture... sometimes it's drain tiles, sump pumps, and keeping water where it belongs! 😅

The last few days have been pretty noisy around our house while the crew replaced our drain tiles and installed a second well and sump pump. After my basement decided to become an indoor pool thanks to last year's and this year's heavy rains, I figured it was time to tackle the problem for good.

Here's hoping this investment means the next big storm stays outside where it belongs! 🤞🌧️

Homeownership definitely keeps you on your toes—but protecting your home is always worth it.