Natalie Akers Clarity Mortgage - NMLS 1639047

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Natalie Akers Clarity Mortgage - NMLS 1639047

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10/23/2026

Every home has a story, and every great story starts with the right team. 🏡✨

One of my favorite parts of what I do is partnering with Realtors who care just as much about their clients' experience as I do.

From the first conversation to the closing table, my goal is simple: make the financing side feel a little easier, a lot clearer, and help create a great experience for everyone involved.

Because at the end of the day, it's about more than just closing loans. It's about relationships, trust, and helping people get HOME. ❤️

Realtor friends, let's make some great things happen together! 🔑

📲 Natalie Akers | Clarity Mortgage
480-619-8555

10/21/2026

Price matters—but it isn't the only thing that makes an offer strong.

A thoroughly reviewed buyer, realistic financing, strong communication and a team working together can make a big difference when it's time to compete.

Realtors—I'm always happy to strategize before the offer goes in. 🤍

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10/03/2026

Think you don’t qualify? Let’s talk first.

Not everyone earns income the same way—and not every borrower needs to qualify the same way either.

If you’re:

💼 Self-employed
💰 Commission-based
📄 Earning 1099 income
🏘️ A real estate investor
📈 Managing multiple income streams

…there may be more options available than you realize.

As a mortgage broker, I’m able to look at the bigger picture and explore different financing options—from Conventional, FHA and VA to Non-QM programs designed for borrowers whose income may not fit neatly into the traditional box.

Before you count yourself out, let’s have a conversation.

Sometimes the answer isn’t that you can’t qualify—we just need to find the right way to approach it.

📲 480-619-8555
Natalie Akers | Clarity Mortgage
Confidence Comes With Clarity.

📸

09/30/2026

One of my favorite parts of being a mortgage broker is helping clients discover financing solutions they didn't know existed.

Sometimes people tell me:

"I've been turned down before."
"I don't think I'll qualify because I'm self-employed."
"My tax returns show very little income."

What I usually tell them is…
Let's take a look before assuming the answer is no.

Non-QM loans can be a great fit for borrowers who have strong financials but don't fit conventional underwriting guidelines.

For example:
✔️ Business owners with significant tax write-offs
✔️ 1099 earners
✔️ Real estate investors
✔️ Borrowers with substantial assets but lower taxable income
✔️ Clients with unique income situations

That doesn't automatically mean Non-QM is the right choice—but it does mean there may be options worth exploring.

Every financial story is different.

That's why I believe in asking questions first and finding solutions second.

💬 Have you ever assumed you wouldn't qualify for a mortgage?
📸 Photo Credit: Christine Lowell Photography

09/29/2026

When people hear the term Non-QM (Non-Qualified Mortgage), they sometimes assume it's a risky loan.

The truth? It's simply a mortgage designed for borrowers whose financial situation doesn't fit the traditional lending guidelines.

Many successful people don't have "traditional" income.

Think about:
🏡 Self-employed business owners
📈 Entrepreneurs
💼 Independent contractors
💻 Freelancers
📊 Real estate investors
💰 Commission-based professionals

These buyers often have strong income, but because of tax deductions, business write-offs, or the way they're paid, their tax returns don't always tell the full story.

That's where Non-QM financing comes in.

Depending on the program, lenders may be able to qualify borrowers using:
✔️ Bank statements
✔️ Profit & Loss statements (when allowed)
✔️ Asset depletion
✔️ Debt Service Coverage Ratio (DSCR) for investment properties
✔️ Other alternative documentation

Non-QM loans aren't "easier" loans—they simply provide more flexibility for borrowers whose finances look different than a traditional W-2 employee.

The goal is the same:
Helping qualified buyers become homeowners.

💬 Do you know someone who's self-employed and assumed buying a home would be difficult? Tag them below—they may be surprised by their options!

📸 Photo Credit:

09/25/2026

Conventional financing is one of the most popular mortgage options—and for good reason.

Here are five benefits many buyers don't realize:

⭐ 1. Low Down Payment Options
Qualified buyers may be able to purchase with as little as 3% down, depending on the program.

⭐ 2. Mortgage Insurance Isn't Always Forever
If your loan has private mortgage insurance (PMI), it can often be removed once you meet equity and servicing requirements—potentially lowering your monthly payment over time.

⭐ 3. More Property Options
Conventional financing is available for many property types, including primary residences, second homes, and investment properties, depending on qualification.

⭐ 4. Higher Loan Limits
Conventional loans often provide financing options for higher-priced homes, making them a strong fit in many Arizona markets.

⭐ 5. Strong Long-Term Value
For buyers with solid credit and stable finances, conventional financing can offer competitive pricing and long-term savings.

The biggest takeaway?

Don't assume one loan is automatically better than another.

The best financing strategy is the one that's designed around your goals, your budget, and your future plans.

That's exactly why every conversation I have starts with getting to know you, not just your numbers.

💬 If you're already a homeowner, did you purchase with a conventional loan? If you're still planning to buy, what questions do you have about conventional financing?

📸 Photo Credit:

09/23/2026

The loan matters just as much as the house.

One of my favorite parts of working as a mortgage broker is that I'm not limited to just one loan program.

When we sit down together, we don't automatically say:

"This is the loan you're getting."

Instead, we compare options.

Sometimes a conventional loan makes the most financial sense.

Other times FHA or VA may provide a better payment, lower cash to close, or more flexibility.

Every buyer's financial picture is different, so the "best" loan isn't always the same from one family to the next.

That's why we look at things like:

✔️ Monthly payment
✔️ Interest rate
✔️ Closing costs
✔️ Down payment
✔️ Mortgage insurance
✔️ Long-term financial goals

Buying a home isn't just about getting approved.

It's about choosing the financing strategy that supports where you want to be—not only on closing day, but years from now.

That's why I believe education comes first.

💬 If you could compare two loan options side-by-side before making a decision, would it make you feel more confident?

📸 Photo Credit:

09/15/2026

Conventional Loans Aren't Just for "Perfect" Buyers

When people hear "conventional loan," they often assume you need:
❌ A perfect credit score
❌ A 20% down payment
❌ A high income
❌ Tons of cash in the bank

The truth? That's one of the biggest myths in home financing.

Conventional loans can be a great fit for many buyers, and there are options available with as little as 3% down for qualified borrowers.

Here are a few reasons buyers choose conventional financing:

🏡 Lower down payment options may be available.
📈 Mortgage insurance can often be canceled once enough equity is built, unlike many FHA loans.
💰 There are a variety of loan terms and down payment options to fit different financial goals.
🎯 It can be an excellent choice for buyers with strong credit who want to maximize long-term savings.

The right loan isn't about choosing what's most common—it's about choosing what best fits your financial picture and future goals.

Every buyer deserves to understand their options before making one of the biggest financial decisions of their life.

💬 Before today, did you think you needed 20% down to buy with a conventional loan?

📸 Photo Credit:

09/11/2026

FHA loans have helped millions of Americans become homeowners, but some of their biggest advantages aren't widely known.

Here are five benefits many buyers are surprised to learn about:

⭐ 1. Your down payment can come from an eligible gift.
Family members or other approved sources can often help you get into a home sooner.

⭐ 2. Seller concessions can reduce your upfront costs.
In many cases, sellers can contribute toward your closing costs, helping lower the amount of cash you need at closing.

⭐ 3. You may qualify even if your credit isn't perfect.
Life happens. FHA financing can provide opportunities for buyers who may not fit conventional lending guidelines.

⭐ 4. Refinancing later is always an option.
Many buyers choose FHA to become homeowners today, then refinance into another loan if their goals or financial situation change in the future.

⭐ 5. Homeownership may be closer than you think.

Many renters assume they need perfect credit or a huge savings account before talking with a lender. Often, that's simply not the case.

The biggest mistake I see isn't choosing the wrong loan...
It's waiting because someone assumed they wouldn't qualify.

You don't have to have everything figured out before starting the conversation.

Sometimes all it takes is a simple plan.

💬 What surprised you most about FHA loans? Let me know in the comments!

📸 Photo Credit:

Address

Mesa, AZ
85207

Telephone

+14806198555

Website

http://www.claritymortgageloans.com/nakers

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