Miller Mortgage Group

07/10/2026

"I work with Adam at L1 and he runs the reno side of my business.

Very easy to work with and super helpful for my clients so I dont have to be the subject matter expert for them." says Jonathan on Google

★★★★★ I work with Adam at L1 and he runs the reno side of my business. Very easy to work with and super helpful for my clients so I dont have to be the subject matter expert for them.

06/28/2026

🏡 Why did your neighbor get a lower mortgage rate?

Believe it or not, the answer may have nothing to do with the market.

Fannie Mae and Freddie Mac use something called Loan Level Pricing Adjustments (LLPAs).

Think of LLPAs as the conventional loan version of FHA's Upfront Mortgage Insurance Premium (UFMIP).

These adjustments are based on risk and may be influenced by:

✅ Credit score

✅ Down payment

✅ Occupancy

✅ Property type

✅ Cash-out refinance

That's why two borrowers applying on the same day can receive completely different rates.

Mortgage pricing is much more than "What's today's rate?"

The better question is:

"What is my total cost?"

Understanding how mortgage pricing works helps buyers make better decisions.

06/17/2026

"Highly recommend

For anyone seeking expert financial guidance. His proactive communication, transparency, and dedication made the entire process smooth and stress-free. A true professional who always puts the client's best interests first!" says Bartek on Google

★★★★★ Highly recommend For anyone seeking expert financial guidance. His proactive communication, transparency, and dedication made the entire process smooth and stress-free. A true professional who always puts the client's best interests first!

05/11/2026

"We loved working with Adam to buy our second home! There were some twists and turns along the way -- this is not an easy housing market -- but Adam had our backs every step of the way. He was incredibly responsive and moved quickly when timelines had to be adjusted. I would recommend him to anyone looking for an attentive and supportive lender!" says Elizabeth on Google

★★★★★ We loved working with Adam to buy our second home! There were some twists and turns along the way -- this is not an easy housing market -- but Adam had our backs every step of the way. He was incredibly responsive and moved quickly when timelines had to be adjusted. I would recommend...

03/10/2026

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