Jen Vane NMLS #2289581

09/01/2026

🍎🍂 Happy September! 🍂🍎

My absolute favorite month of the year! ❤️

The nights start getting cooler, the days are just right, and the leaves begin to change. The kids are heading back to school, fall sports are starting, and you can finally feel that little hint of fall in the air.

September also happens to be a GREAT time to start thinking about your next move 🏡

If buying a home has been on your mind, now is the perfect time to get pre-approved and start looking so you can be settled into your new home before the snow starts flying! ❄️🔑

Not sure where to start? That's what I am here for! We can talk about your goals, look at financing options, and figure out what makes sense for you - even if you're not quite ready to buy yet.

Here's to the cooler nights, apple picking, fall sports, changing leaves, and helping a few more families find their way HOME this September 🍎🍂🏡❤️

08/31/2026

08/28/2026

Some things just make sense together. 😄

A pre-approval does not choose the home for you. It makes the search clearer because you begin with a price range, a payment conversation, and a financing path.

Which pairing would you add to the list?

08/26/2026

Before buying a multi-unit property, or even a property with an ADU, review two separate numbers:

What rental income may be eligible for the mortgage file?
What rent you personally feel safe using in the monthly budget?

Do not build the plan around some social-media rent estimate that has not been reviewed.

Check the property type, occupancy, loan program, appraisal, and likely expenses first.

Or if you want a professional to run through the numbers with you, reach out and let's look at the property together!

08/24/2026

I can absolutely stop saying it.

Right after we know the budget, loan type, estimated cash to close, and whether the dream-house price is living in the same universe as the monthly payment. 😂

So… get pre-approved first.

08/22/2026

A “your mortgage was transferred” letter can make a homeowner wonder whether the whole loan just changed.

The company collecting the payment may change. The loan terms do not automatically reset because a new servicer takes over.

When a mortgage servicer changes:

Read the transfer notice carefully
Confirm the effective date
Verify the new payment address through official channels
Update autopay only after confirming the information
Keep both the old and new notices
Save this for later.

08/20/2026

For a cleaner earnest money paper trail:

Pay from an account that can be documented.
Keep the receipt or transfer confirmation.
Save the canceled check when applicable.
Tell the mortgage professional before using funds from another person.

Third-party funds may require additional documentation, so ask before the deadline forces a rushed decision.

Save this before submitting your deposit.

08/18/2026

30-year interest rate: 6.11%

Down payment: 3.5%

Annual FHA mortgage insurance: 0.55%

Closing costs and prepaids: estimated at 2%–5%



-> $350K HOME
Down payment: $12,250

Estimated cash to close: $19,250–$29,750

Monthly payment: about $2,080/month

(Includes principal, interest, and mortgage insurance)



-> $500K HOME
Down payment: $17,500

Estimated cash to close: $27,500–$42,500

Monthly payment: about $2,972/month

(Includes principal, interest, and mortgage insurance)



-> $700K HOME

Down payment: $24,500

Estimated cash to close: $38,500–$59,500

Monthly payment: about $4,161/month

(Includes principal, interest, and mortgage insurance)



Taxes, homeowners insurance, HOA, flood insurance, lender fees, points, and credits are not included in those monthly figures.

Rates and fees change daily. Get a local written Loan Estimate before using these numbers to choose a budget.

08/16/2026

Before buying a multi-unit property, review two separate numbers:

What rental income may be eligible for the mortgage file
What rent you personally feel safe using in the monthly budget

Do not build the plan around some social-media rent estimate that has not been reviewed.

Check the property type, occupancy, loan program, appraisal, and likely expenses first.

08/14/2026

🏡 Looking for something affordable in Maine or New Hampshire? This is the weekend to get out and look!

We have 3 Open Houses happening this weekend, with options ranging from $79,000 to $399,000 — including two mobile homes with some really unique financing possibilities.

📍 7 Kayla Drive, Belmont, NH — $149,900
Saturday 8/15 | 11 AM–1 PM
Mobile home in a park with financing options for qualified buyers starting at 0% down

📍 15 Cedar Street, Colebrook, NH — $79,000
Sunday 8/16 | 11 AM–1 PM
Another affordable mobile home option with financing for qualified buyers starting at 0% down

📍 176 Penney Road, New Gloucester, ME — $399,000
Sunday 8/16 | 2–3 PM
3-bedroom home with conventional financing options, including as little as 3% down for qualified first-time homebuyers

If you've been thinking homeownership is out of reach because you don't have a huge down payment saved, don't count yourself out before knowing your options.

Stop by one of the Open Houses this weekend, or reach out to me and let's figure out what purchasing power you may have. 🏡🔑