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Adam Heaney Home Loan Team

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The Adam Heaney Home Loan Team is about helping families achieve the dream of home ownership and pro

10/30/2026

🏠 HOUSE RICH. CASH POOR.

Two headlines. One glaring contradiction.

Americans have a staggering $13.2 TRILLION in accessible home equity, yet many older Americans are struggling with mounting credit card debt.

For homeowners age 62 and older, a reverse mortgage may provide a way to access that equity, consolidate high-interest debt, and improve monthly cash flow WITHOUT taking on another required monthly principal and interest payment.

The goal isn’t to borrow more money just because you can. It’s to make the equity you’ve spent decades building work for you when you need it most.

A reverse mortgage isn’t for everyone, but it’s a conversation worth having.

📲 Let’s explore your options.

10/26/2026

🌊 KING TIDES ARE RISING IN NEWPORT BEACH… BUT YOUR MORTGAGE RATE DOESN’T HAVE TO! 🏡

I’m back on Newport Island, where I lived when I first moved to Newport Beach, watching the King Tides roll in and flood parts of the Balboa Peninsula.

And it got me thinking about interest rates…

While mortgage rates have been stubbornly high, today’s slower housing market is creating some BIG opportunities for homebuyers!

💰 Seller credits can help buyers lower their interest rates, reduce monthly payments, and cover closing costs.

🏡 I’m working with a buyer right now using an FHA 5/1 ARM and seller-paid rate buydown. Not only is it making his payment more affordable, it’s helping him qualify for a home he otherwise might not be able to purchase!

The lesson? Don’t let high rates wash away your homeownership dreams. Sometimes it’s not about waiting for the market to change. It’s about finding a smarter way to make the market work for YOU.

🌊 The tides may be rising, but we’re finding ways to bring mortgage rates DOWN!

Adam Heaney Home Loan Team — Making Waves in Mortgages Since 1998!

10/23/2026

🏠 Grant Cardone says buying a house is a TERRIBLE investment. Seriously, Grant? 🤦‍♂️

When a friend sent me his latest real estate advice on how to “steal a house in America,” I couldn’t believe what I was hearing.

Find a seller willing to finance your purchase at 3%? Just assume someone else’s low-rate mortgage? Don’t negotiate the purchase price? And somehow make rent-to-own payments tax-free?

Sounds amazing! There’s just one problem… Much of this advice is unrealistic, misleading, or flat-out wrong.

Homeownership has been one of the most important wealth-building opportunities for American families. And telling people to sit on the sidelines waiting for some pie-in-the-sky financing arrangement could cost them years of equity growth.

Are there creative ways to buy a home in today’s market? ABSOLUTELY! Seller-paid interest rate buydowns, assumable FHA and VA mortgages, and other financing strategies can create real opportunities.

But you need a strategy grounded in reality, not social media clickbait.

🎯 Don’t chase unicorns. Chase opportunities that actually exist.

I’ve been helping people navigate mortgage financing since 1998. If you want to explore realistic ways to make homeownership more affordable, let’s talk!

10/08/2026

🏡 HELPING AGING PARENTS? DON’T OVERLOOK THIS! ⚠️

Just because Mom, Dad, Grandma, or Grandpa has given you Power of Attorney DOESN’T necessarily mean you have the authority needed for a real estate transaction.

I’ve encountered this issue twice in just the last 24 hours, so I thought it was worth sharing!

Whether you’re helping a loved one:
🏠 Refinance their home
🔑 Purchase another property
❤️ Explore a Reverse Mortgage to improve their financial flexibility

The Power of Attorney you already have may not be enough!

Why? Because real estate transactions involve legal documents, property ownership, and potentially securing a loan against someone’s home. Lenders and title companies need to verify that the person signing has the proper authority.

💡 MY ADVICE: Don’t wait until you NEED that Power of Attorney to find out whether it works!

Have an estate-planning attorney review your family’s documents while your loved ones are still able to make these important decisions.

A little planning today could save your family a tremendous amount of stress, frustration, and heartache tomorrow.

After more than 27 years helping families navigate home financing, I’ve learned that sometimes the most valuable advice has nothing to do with interest rates.

📲 Have questions about refinancing, purchasing, or Reverse Mortgage options for aging parents? I’m always happy to help.

I’m a mortgage professional, not an attorney. This is general information, not legal advice.

Adam Heaney | NMLS #283076
Intelligent Mortgage Solutions for Life‘s Biggest Moves

10/06/2026

🇺🇸 BIG NEWS for California’s 100% disabled veterans.

Beginning in 2027, California’s new SB 296 significantly expands the property-tax exemption available to qualifying 100% disabled veterans.

For qualifying households with income of $83,474 or less, the exemption can cover 100% of the first $1 million of property value. Even qualifying households above that income threshold may be eligible for a 50% exemption on the first $1 million.

For veterans considering buying a home, this could also have a significant impact on the monthly housing expense—and potentially purchasing power.

If you’re a 100% disabled veteran in California, or you know someone who is, make sure they know about this.

🇺🇸 Please share this with a veteran who could benefit.

Adam Heaney | Adam Heaney Home Loan Team
NMLS #283076
Dynamic Lending For Dynamic Living

Address

3432 Via Oporto, Suite 208
Newport Beach, CA
92663

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://adamheaney.lenderlaunchpad.com/

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