José Brador Jr. aka. Buy With Brador

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José Brador Jr. aka. Buy With Brador Mortgage Originator, Realtor & Insurance Agent

Nothing was deleted. But I got your attention. 👀Everyone’s waiting on rates. Meanwhile, self employed buyers are getting...
11/03/2026

Nothing was deleted. But I got your attention. 👀

Everyone’s waiting on rates. Meanwhile, self employed buyers are getting stuck on something else: how their income is documented and counted.

Your tax returns tell a story. Let’s make sure it’s the right one.
Not sure you can buy yet?

Let’s start with a quick call. Let’s talk. 📞 401-660-5212

💬 Comment GAMEPLAN and I’ll send you my Home Buying Game Plan.

José Brador Jr. | NMLS 2284429 | Equal Housing Opportunity | Lending in MA, NH, RI, ME, and FL

MortgagesWithBrador

11/02/2026

Preapproved him in 24 hours. Then he ghosted me for a month.

Then: “Hey bro, we still good with that pre-approval?”
Nah bro. A preapproval is a snapshot of your file that day. If your credit, income, debts or job change, the letter can change too.

Buying soon? Keep your loan officer in the loop, even when you’re just looking.

Loan officers and realtors: comment GHOSTED if you’ve been there. Cafecito on me ☕

Not sure you can buy yet? Let’s start with a quick call.
Let’s talk. 📞 401-660-5212

You work 60 hours a week. Why is the lender only counting 40? ⏰Overtime and bonus can count. Usually not all of it, righ...
10/30/2026

You work 60 hours a week. Why is the lender only counting 40? ⏰

Overtime and bonus can count. Usually not all of it, right away. Swipe for the 3 things to know. 👉

Not sure you can buy yet? Let’s start with a quick call. Let’s talk.

Every file is different, mi gente. Comment GAMEPLAN and I’ll send you my Home Buying Game Plan, or DM me. Self-employed? You’re welcome here too. 🤝

José Brador Jr. | NMLS 2284429
Equal Housing Opportunity
Lending in MA, NH, RI, ME, and FL

“We filed the extension. Now we owe the IRS. Is the house off?”Not necessarily. An extension gives you more time to file...
10/26/2026

“We filed the extension. Now we owe the IRS. Is the house off?”

Not necessarily. An extension gives you more time to file, not more time to pay, but owing the IRS isn’t automatically the end of the house conversation. What matters is the plan and the paperwork.

Three things I walk self-employed and 1099 buyers through before they write an offer:
• The payment counts. A monthly IRS installment payment generally goes into your debt-to-income ratio on FHA, Fannie Mae, and Freddie Mac loans, with limited exceptions.
• Paperwork and timing. Lenders want the approved agreement and proof you’re current. FHA requires three on-time scheduled payments first, and you can’t prepay to get there.
• A filed tax lien changes the rules, and they differ by loan type. Tell your loan officer at the first conversation, not the week of closing.

CPAs: loop me in before a client with a balance goes house hunting. Agents: send self-employed buyers who mention the IRS my way for two minutes before anybody writes an offer.

Book 30 minutes. Text or call 401-660-5212. Calendly link in bio.

José Brador Jr. | NMLS 2284429
Equal Housing Opportunity
Lending in MA, NH, RI, ME, and FL

10/26/2026

I say that to say this…Happy Monday!

Let’s make it a great and productive week.

Stay classy, mi gente.

And don’t forget to be grateful.

¿Esperando juntar el 20% pa’ comprar casa? 🏡 Espérate un momentito, mi gente.Todos crecimos oyendo lo mismo: “no compres...
10/25/2026

¿Esperando juntar el 20% pa’ comprar casa? 🏡 Espérate un momentito, mi gente.

Todos crecimos oyendo lo mismo: “no compres hasta que tengas el 20%.” Con todo respeto a la familia, pa’ mucha gente ese no es el mínimo. Y esperar por un número que nadie te pidió te puede atrasar años.

Desliza y te explico. 👉

En corto: con crédito de 580 o más, el mínimo de entrada en FHA es 3.5%. Si tu crédito está entre 500 y 579, piden 10%.

En préstamos convencionales, Fannie Mae y Freddie Mac tienen opciones con 3% de entrada pa’ una casa de una unidad donde vas a vivir. Algunas piden que por lo menos uno de los compradores sea de primera vez, y otras tienen tope de ingreso. ¿Y qué es “primera vez”? Para Fannie Mae, si no has tenido casa en los últimos 3 años, cuentas como comprador por primera vez.

Lo que hay que saber: con menos de 20% de entrada en un convencional, vas a tener seguro hipotecario. En FHA también hay seguro hipotecario. Eso va en tu pago, así que lo incluimos en el plan desde el principio.

Y si la familia te quiere ayudar, un regalo puede funcionar, con carta de regalo y que el dinero se pueda rastrear. ¡Diantre, nada de efectivo debajo del colchón! Háblame antes de mover el dinero.

Cada caso es diferente. Esto son mínimos, no promesas, y los gastos de cierre también entran en el plan.

Pregunta rápida: ¿cuánto te dijeron que necesitabas? Pon 🏡 si te dijeron 20%. 👇

Comenta GAMEPLAN y te mando mi Home Buying Game Plan (lo tengo en español también). O separa tu cita: calendly.com/buywithbrador/30min. Y si estás cerca, nos tomamos un cafecito. ☕

¿Trabajas por tu cuenta o cobras por 1099? Las opciones de entrada son las mismas, lo que cambia son los papeles del ingreso. Escríbeme. Pa’ mi gente. 🤝

Saludos,
José Brador Jr. | NMLS 2284429
Equal Housing Opportunity
Préstamos en MA, NH, RI, ME y FL

Think you need 20% down to buy a house? 🏡 You might not, mi gente.A lot of people put the house off for years because “y...
10/25/2026

Think you need 20% down to buy a house? 🏡 You might not, mi gente.

A lot of people put the house off for years because “you need 20% down.” For a lot of buyers, that’s not the minimum. It’s just the number everybody repeats.

Swipe for the 3 things to know before you wait another year. 👉

1️⃣ FHA: with a 580+ credit score, FHA’s minimum down payment is 3.5%. Scores from 500 to 579 need 10% down.

2️⃣ Conventional: Fannie Mae and Freddie Mac both have 3% down options for a one-unit home you’ll live in. Some require at least one first-time buyer, and some have income limits.

3️⃣ “First-time buyer” might include you: Fannie Mae counts you as a first-time homebuyer if you haven’t owned a home in the last 3 years. Owned before? Ask before you count yourself out.

The catch? Put less than 20% down on a conventional loan and you’ll have mortgage insurance. FHA loans have mortgage insurance too. It’s part of the payment, so we plan for it from day one. No surprises. And if family wants to help, a gift can work, with a gift letter and a clean paper trail.

Diantre, just talk to me before any money moves.

Every file is different. These are minimums, not promises, and closing costs are part of the plan too.

Quick question: what number did you grow up hearing? Drop a 🏡 if it was 20%. 👇

Comment GAMEPLAN and I’ll send you my Home Buying Game Plan. Prefer to talk? Book a call: calendly.com/buywithbrador/30min. If you’re local, nos tomamos un cafecito. ☕

Self-employed or 1099? Same down payment options, different income paperwork. DM me, that’s my lane too. Pa’ mi gente. 🤝

José Brador Jr. | NMLS 2284429
Equal Housing Opportunity
Lending in MA, NH, RI, ME, and FL

Address

Methuen, MA
01844

Telephone

+14016605212

Website

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