Novus Home Mortgage - Dan Leeder, NMLS # 470144

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.

06/19/2026

Many people assume mortgage rates move only when the Fed changes rates. The reality is more complicated.

This week’s market activity is a good reminder that inflation, economic data, and investor expectations can all impact mortgage rates. If you’ve been waiting for the “perfect” rate, let’s discuss your goals and determine whether waiting or acting now makes the most sense

Since March 1st, the Iran war has been the primary reason for movement and volatility in the bond/rate market. Pre-war motivations were woefully muted. That changed a bit with the jobs report two week...

06/10/2026

06/10/2026

Think your Credit Karma score is the same score your mortgage lender uses?

Not exactly.

Many consumers are surprised to learn that Credit Karma uses the VantageScore model, while mortgage lenders typically rely on FICO scores pulled from all three credit bureaus.

In some cases, the score used for a mortgage can be significantly different than what you’re seeing online.

Before you assume you’re ready to buy—or think you don’t qualify—take 60 seconds and watch this video.

Questions about your score or buying a home? Send me a message.

05/26/2026

Still waiting for rates to drop? 👀
You might not be the only one.

When rates eventually improve, more buyers could jump back into the market, which can mean more competition and higher home prices.

The best move is having a strategy, not trying to perfectly time the market.

Buying now may allow you to:
✅ Start building equity sooner
✅ Avoid future bidding wars
✅ Refinance later if rates improve

You can refinance a rate… but you can’t rewind home prices or lost time.

Let’s talk through your options and build a game plan that fits your goals.

05/14/2026

Preparing early usually gives buyers the best results. Feel free to message me with questions 😊