Kayla Gatmaitan Lending

08/31/2025

Can You Buy A House With A 600 Credit Score?

Yes. Here’s how:
• FHA — as low as 580 with 3.5% down
• 10% down — possible with scores as low as 500
• VA & USDA — around 600, though most lenders want 620+
• Conventional — usually 620, some programs allow less

Lower scores often mean higher rates, but homeownership is still within reach.

Share this with a friend who could benefit.

Yes, you can buy a house with a 600 credit score. Explore FHA, VA, and USDA loan options, plus tips for improving your approval odds.

08/30/2025

Do You Really Need 20% Down?

No. That’s a myth holding back too many first-time buyers.

• FHA loans — 3.5% down
• Conventional loans — as low as 3%
• VA & USDA — 0% down if you qualify
• $300K home — you might need $9K or less

Assistance programs, family gifts, and seller credits can lower it even more.
It’s 2025. 20% down is outdated.

The minimum down payment for a house as a first-time buyer will depend on the type of mortgage loan, but most buyers will need at least 3%

08/27/2025

Gen Z Is Buying Homes In The Midwest
Why:

• Omaha, Des Moines, Grand Rapids — $200K to $275K
• Nearly half the national average
• Lower mortgages mean more savings and faster wealth growth
• 7 of the top 10 under-35 homeowner cities are here
• Detroit and Cleveland still under $250K

Affordable and strategic.
Want to see how far your budget goes in these cities? DM me.

https://finance.yahoo.com/news/gen-zers-flocking-midwest-housing-100100223.html?guccounter=1

Seven of the 10 most affordable metros for young homeowners are in the Midwest.

08/26/2025

🚨 What if you had the exact playbook behind 545 deals in one year?

Join us for The Buyer Machine: How Grigory Pekarsky Closed 545 Deals in a Year (And How You Can Too) — the masterclass breaking down the systems, strategies, and scripts that power Chicago’s #1 buyer-side team.

Inside, you’ll learn how to:
✅ Win in competitive offer situations
✅ Navigate tough buyer emotions & low-ball offers
✅ Master time-blocking to stay productive (and sane)
✅ Scale your buyer pipeline with top, middle & bottom funnel strategies

Whether you want to sharpen your buyer presentation, increase conversions, or scale to volume most agents only dream about—this is your shot to learn from one of the industry’s best.

🎯 Don’t just work buyers. Build a machine that converts them.

DM me for the zoom link

08/25/2025

Homebuyers Are Back In Control

In 14 major cities, prices are falling.
Oakland, West Palm Beach, Jacksonville, and Austin are down nearly 7%.

What’s shifting:
• Homes are sitting longer
• Price cuts are more common
• Bidding wars are rare

Even with rates near 6.75%, the average payment is at its lowest since January.
If you’ve been waiting for the market to cool, it’s cooling. DM me to see if your city is on the list.

A new Redfin report shows the cities around the nation where — after years of soaring prices — house hunters can strike some good deals.

08/23/2025

Do You Need A Down Payment To Refi?
No. Here’s why:

• Your equity acts as the down payment
• Closing costs run 2–6% of the loan
• You can pay upfront or roll them into the loan
• Some lenders offer “no-closing-cost” refis with higher rates

You don’t need cash on hand, but you do need to run the numbers. DM me if you want to see your options.

Considering a mortgage refinance? A down payment isn't needed, but you'll have closing costs. Learn what to expect and how to prepare.

08/21/2025

Foreign Buyers Are Snapping Up U.S. Homes

78,000 homes were bought by foreign investors last year. Nearly half were all-cash.
Chinese buyers spent an average of $1.2M per home — triple the national median.

Why it matters:
• Cash offers close faster
• Prices rise in competitive markets
• Coastal areas feel it most

Foreign buyers are a factor, not a roadblock. You can still compete and win. DM me to see how.

Discover how mid-2020s trends in foreign buying of U.S. real estate are reshaping American housing markets and what it means for home prices.

08/19/2025

Home Prices Are Falling In Key Cities

• Austin is down nearly 15% since 2022
• Miami dropped 19%
• LA, Denver, Houston, and Dallas are sliding too

Why now:
• Inventory is higher
• Homes are sitting longer
• Sellers are cutting to compete

New York and Milwaukee are still climbing, but trends can shift fast.
Are prices dropping where you live?

U.S. home prices are dropping the most in the South and West, according to a new report from Realtor.com.

08/16/2025

Best Cities To Buy A Fixer-Upper In 2025

A new report ranks the top spots where it works:
• St. Louis — Only $21K income needed to afford one
• Detroit — Flipped homes sell in under 3 weeks
• Oklahoma City, Pittsburgh, Buffalo — Low prices, rising demand, strong job markets

If you’re handy or patient, this could be a fast way to build equity without overpaying.
Would you buy a fixer-upper?

https://www.biggerpockets.com/blog/the-five-best-fixer-upper-housing-markets?utm_campaign=07.31.2025%20REINewsletter&utm_medium=email&utm_source=Iterable&utm_channel=28425&utm_content=Marketing

08/13/2025

Home Prices Expected To Fall Next Year

Zillow projects a 2% drop in 2025.
Inventory is up 17%.
Sales are trending toward 4.16 million.

What it means for you:
• Less competition from buyers
• Slower rent growth
• More leverage to negotiate

Want to know what’s happening in your neighborhood? DM me.

US Home Prices in 2025: Will they fall? Get insights on inventory, interest rates, and Zillow's forecast of a 2% price decline, and advice you can trust.

08/11/2025

47% of Homeowners Now Have Over 50% Equity

Nearly half of U.S. homeowners now owe less than half of what their home is worth.
Vermont leads at 85%. San Jose sits at 68%. Even Louisiana rose to 18%.

Why it matters:
• You can pull cash without selling.
• You can buy another property.
• You can invest or renovate.

If your equity is over 50%, you have options. What would you do with yours?

https://www.attomdata.com/news/market-trends/home-sales-prices/q2-2025-home-equity-and-underwater-report/?utm_source=www.readtheblueprint.com&utm_medium=newsletter&utm_campaign=top-10-hottest-markets-for-homebuilding&_bhlid=3c179be825ae8bced41439ee49141a76cca81703

Home equity levels rebound in ATTOM’s Q2 2025 U.S. Home Equity & Underwater Report, with 47.4% of mortgaged homes equity-rich.

08/05/2025

I checked housing costs in all 50 states…

These 9 states are where you can buy a home comfortably on a single income.
With a salary anywhere between $80K–$87K.

- West Virginia tops the list: Median home $269K, payment about $1,400, comfy at $80K
income.

- The South dominates: Arkansas, Kentucky, Oklahoma, Alabama, Louisiana, Mississippi. Homes as low as $285,000

- The Dakotas surprise: Growing job markets, and homes under $400K.

Be honest in the comments, would you move to any of these to own a home?