Novus Home Mortgage - Dan Leeder, NMLS # 470144

11/02/2026

🌴 Thinking about buying a second home in Florida? Now might be a great time to explore your options!

As we head into another Florida winter season, many buyers are starting to think about owning their own piece of paradise. ☀️

Here are a few things worth knowing before making the move:

🏡 Down Payment: You may be able to purchase a second home with as little as 10% down, depending on your qualifications.

💰 Rental Income: Planning to rent the property when you’re not using it? That can change how your mortgage is structured. Second homes and investment properties have different financing requirements.

🌊 Insurance Matters: In Florida, homeowners, windstorm, and flood insurance can significantly impact your monthly payment. It’s important to understand those costs upfront.

🗓️Timing Is Everything: As we approach Florida's busy winter season, now may be the perfect time to buy before the seasonal crowds arrive

I’ve been helping buyers finance homes in Florida for over 30 years, and one thing I’ve learned is that understanding your financing options before you start shopping can make all the difference.

Whether you’re dreaming of a winter getaway, planning for retirement, or considering an investment property, I’d be happy to help you explore the numbers.

📲 Message me anytime!

https://myoc.io/DanLeeder

10/30/2026

The Fed held rates steady. But your homebuying options don't have to stand still. 🏡

Mortgage rates are influenced by more than just the Fed's decisions.

Whether you're exploring temporary buydowns, seller concessions, or other financing options, there may be ways to make your monthly payment work for your budget.

Let's explore what's possible!

10/26/2026

Your homeownership goals don't have to wait just because rates may remain elevated.

With a temporary buydown, you could enjoy lower initial mortgage payments. And if rates drop down the road, Novus's Rate Protection Program may provide an opportunity to refinance with discounted costs.

💚 It's about finding the right strategy for today while keeping your future options open.

📲 Let's talk about your plan!

10/13/2026

Still relevant today - rates have continued to rise, and the right time to buy depends on your own situation. Let's talk through your options.

08/04/2026

Investment properties deserve investment-focused financing. 🔥

If you're still trying to qualify for every property using traditional income documentation, it may be time to explore another option.

DSCR (Debt Service Coverage Ratio) loans give qualified investors a financing solution that's designed around rental property performance, helping create more opportunities to grow.

➡️ Let's discuss your investment goals.

07/31/2026

Big headlines. Here's what actually matters.

The Federal Reserve left interest rates unchanged at this weeks meeting.

If you've been hearing about the Fed and wondering how it affects the housing market, you're not alone.

Here's a quick breakdown:
✔️ No rate hike
✔️ No rate cut
✔️ Inflation continues to cool
✔️ The Fed is taking a wait-and-see approach

Have questions about what today's news means for your homeownership goals? Reach out. I'm here to help.

07/15/2026

The historic 21st Century ROAD to Housing Act passed by Congress is now law. This landmark legislation is set to expand homeownership opportunities for more buyers.

A few key highlights:
✅ Levels the playing field for everyday buyers by limiting large institutional investors from buying up single-family homes, which means fewer all-cash offers beating out first-time buyers for the same house.
✅ Makes it easier to finance starter homes and manufactured homes.
✅ Boosts new-construction supply by streamlining building requirements.
✅ Makes homeownership more affordable for low- and moderate-income families and underserved communities.

Reach out to learn what it could mean for you.

06/27/2026

Mortgage rates ended the week at their lowest levels in over a month, a welcome sign for homebuyers and homeowners considering a refinance. If you’ve been thinking about buying or refinancing, let’s talk about your options.

Big Improvements Don't Always Require Big News

We've had our fair share of big news events causing big reactions in markets over the past few months, but this week offered a welcome reminder that not every improvement in mortgage rates requires a ...

06/23/2026

That Mortgage Rate You See Online May Not Be Your Rate 😳

Many borrowers are surprised when the rate they found online isn’t the rate they qualify for.

One of the biggest reasons? Loan Level Price Adjustments (LLPAs).

These adjustments can affect pricing based on:
✅ Credit score
✅ Down payment
✅ Condo vs. single-family home
✅ Occupancy
✅ Loan amount

Watch the video and DM me the word RATE for a personalized quote.