Phillipe MLO

Phillipe MLO NMLS #1849043

08/24/2026

Este pequeño ha estado con nosotros desde el jueves y mi corazón está MUY lleno. 🥹❤️

Sebastián se está preparando para su cirugía el miércoles así que lo hemos tenido cerca, sano y lejos de todos los gérmenes. 🏥🙏🏽

Y les digo... este niño es un CAMPEÓN. 💪🏽

No para de hablar NI UN SEGUNDO 😂🗣️ y de alguna manera ya tiene más energía que yo antes de mi café de la mañana. ☕😅

¿Pero su cosa favorita? Levantarse temprano e irse a correr con papá. 🏃🏽‍♂️👦🏽

08/22/2026

Come ride with me 50 Miles! 🌤️🚴 didn’t get dropped but almost died on like 45 😮‍💨

08/20/2026

🚨 Nobody talks about the long runs you almost skip.

Tired. 😮‍💨 Unmotivated. 😐 Laced up anyway. 👟

7 miles down. 🏃‍♂️💨 Miami Half, I’m coming for you. 🏅

Best part came after: stretching with my #1 training partner. 👶🤸‍♂️🧡

08/19/2026

DO NOT run outside right now. I repeat. DO NOT. 🥵😂

8 intervals. 400s. 850s. No clouds. No mercy. Just pure South Florida humidity hitting different today. ☀️💀

It felt like running inside a steam room. Actually scratch that... a steam room would've been more comfortable. 😭🔥

But you know what? We showed up anyway. Because that's what we do. 💪🏽

The grind doesn't stop just because the weather is trying to kill you. 😤

Whether it's closing deals or logging miles... we put in the work regardless. 🏃🏽‍♂️🏠

South Florida people, you already know. The humidity is NOT playing right now. 🌴😩

Who else is out here suffering through these summer runs? Drop a 🥵 below if you felt this today!

🌴🏃🏽‍♂️💦

08/19/2026

Sometimes the deal finds YOU. 👀🔥

A partner reached out. Their client was stuck. The loan officer they were working with couldn't figure it out. 😤

I listened. I understood the situation immediately. Told them straight up... send me the deal, I can get it done. 💪🏽

Walked them through exactly what needed to happen. They said "perfect." They were locked in. 🤝

And then... crickets. 🦗😂

No deal. No follow up. Nothing.

Here's the thing though 👇 that happens in this business. Not everyone pulls the trigger when the solution is right in front of them. 🎯

But for the ones who DO send the deal? We deliver. Every single time. ✅🏠

If you or someone you know is stuck with a loan that another officer couldn't figure out... that's literally what we're here for. 👊🏽

📞 (786) 451-8098
🌐 vialending.com
NMLS #1849043 | Company NMLS #2504927

08/18/2026

🚨 Florida homeowners, November 3 is a big one.

Amendment 3 is on the ballot and the internet is lying to you about it. 😤

It does NOT delete your property taxes. It raises your homestead exemption. Big difference.

Here is the real deal 👇

🏠 Exemption jumps to $150,000 in 2027, then $250,000 in 2028
📍 Applies to county, city and special district taxes only
🎒 School taxes stay. You are still getting a bill
📉 Non homestead assessment cap drops from 10% to 5%
✅ Needs 60% of the vote to pass

Now the part nobody is posting about 👀

Not a Florida resident by December 31, 2026? You do NOT get the big exemption right away. You wait until year five. 😬

So if you are relocating here or you have been sitting on the fence about buying, your timeline just got a deadline. ⏳

Not telling you how to vote. Telling you what it means for your file. 💯

Questions? My line is open 📲

Phillipe Bulicich
Via Lending LLC
📞 (786) 451-8098
📧 [email protected]
🌐 vialending.com
NMLS #1849043 | Company NMLS #2504927

08/17/2026

📉 Rates barely moved again this week. But the data underneath is worth two minutes.

📊 Two reports landed Friday:

→ Retail Sales came in at -0.6%. The street expected +0.1%. That is the steepest monthly drop since May of last year and the first decline in nine months.
→ Consumer Sentiment dropped to 51.0 against a 54.5 expectation, down from 55.2 in July.

🤔 On paper, both of those are good news for mortgage rates. A softer consumer usually means bonds rally.

😐 Bonds ignored it. MBS closed about 20 basis points worse and the 10 year finished at 4.693%. Thin August Friday, traders booking profits into the weekend.

✅ Net result: rates are still sitting near four week lows. Better than anything we have seen in a month, but nothing dramatic.

📅 Watch Wednesday. Fed Minutes drop at 2pm and that is the real catalyst this week. Odds of a September Fed move have already fallen from roughly 70% to 30%.

🔒 Working guidance right now → shorter locks inside 15 days, more room to float on 30 plus.

👀 Now here is the part that actually mattered this weekend.

📱 A realtor called me Saturday. I answered. She was genuinely shocked that a human picked up the phone on a weekend.

🤨 That is a low bar. And apparently most people are not clearing it.

✍️ That call turned into a contract. Client got the offer accepted.

🙌 Not because of a rate sheet. Because someone answered.

🔑 Takeaway for Monday → be available. Deals go to whoever picks up.

📞 (786) 451-8098
✉️ [email protected]
🌐 vialending.com
Phillipe Bulicich | Via Lending LLC
NMLS #1849043 | Company NMLS #2504927

08/14/2026

By 8am we had already lived three lives. 🌅

5 miles done before the sun was up
☕ Coffee for mom, made how she likes it
🍳 Breakfast on the table
💊 Antibiotics for the little man
🎒 Backpack on, school drop off complete
💻 Then straight into loan files

None of it is glamorous. It is just what happens when you decide the day starts on your terms and not on someone else's schedule.

That is the same reason your file does not sit. While the rest of the market is still logging in, I am already three steps into your loan.

📞 (786) 451-8098
Phillipe Bulicich, Via Lending LLC
NMLS #1849043, Company NMLS #2504927

08/13/2026

🐸 Ever heard the story of the frog in the pot?

Water heats up slow. By the time it notices, it can't get out.

That's your home equity 🏠

You watch it grow for years and do nothing. Then something happens and suddenly you need the cash, but now your income changed or the guidelines tightened and you don't qualify anymore.

💡 Set the line up BEFORE you need it.

A HELOC is basically a credit card on your house. Approved line, sits there ready, and you only pay interest on what you actually draw ✅

Not the right fit? Cash out refi or a fixed second are on the table. Depends on your rate, your goal, and the number you need.

📲 Let's map it out: (786) 451-8098
🌐 vialending.com

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Miramar, FL

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