Rhonda Faulk Mortgage Team Powered By Canopy Mortgage

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Rhonda Faulk Mortgage Team Powered By Canopy Mortgage At Rhonda Faulk Loan Officer Powered by Canopy Mortgage, I’m here to guide you every step of the way. Let’s find the perfect mortgage solution for your needs.

NMLS # 1426815

November is Military Families Month, and this one is personal for me. As an Army wife, I've seen what service asks of a ...
11/02/2026

November is Military Families Month, and this one is personal for me. As an Army wife, I've seen what service asks of a family, and I know how much a place to call home means.

If you're a veteran, active duty service member, or a member of the National Guard or Reserve, your VA loan benefit is one of the strongest mortgage options available. Here's why:

No down payment required in most cases.
No monthly mortgage insurance.
Competitive interest rates.
Flexible credit guidelines compared to many other loan types.

A VA funding fee applies for most borrowers, though some are exempt, including many veterans who receive VA disability compensation. I can tell you exactly what applies to you.

The benefit can also be used more than once, so if you've used it before, you may still have entitlement left.

If you've earned it, let's put it to work. Reach out and I'll walk you through your options.

📞 (850) 830-3589
✉️ [email protected]
🌐 homeloanswithrhonda.com

Clocks fell back today, which means you picked up an extra hour. Here's a good way to use 15 minutes of it.Pull up your ...
11/01/2026

Clocks fell back today, which means you picked up an extra hour. Here's a good way to use 15 minutes of it.

Pull up your latest mortgage statement and look at four things:

Your interest rate. If it's well above current rates, a refinance may be worth a look.
Your escrow amount. Taxes and insurance change, and your payment can change with them.
Your PMI. If you've reached 20% equity, you may be able to have it removed.
Your remaining balance and term. This tells you how much equity you've built.

You don't need to do anything with the answers right away. Just knowing where you stand puts you ahead of most homeowners.

If anything looks off or you want a second set of eyes, send me a message. I'm happy to review it with you.

📞 (850) 830-3589
✉️ [email protected]
🌐 homeloanswithrhonda.com

Happy Halloween! 🎃The only scary thing about getting a mortgage is a surprise that shows up right before closing. Here's...
11/01/2026

Happy Halloween! 🎃

The only scary thing about getting a mortgage is a surprise that shows up right before closing. Here's how to keep it a treat.

Tricks to avoid before you close:
Opening a new credit card or financing a car
Changing jobs
Making large cash deposits you can't document
Co-signing a loan for someone else

Treats that keep your loan on track:
Getting pre-approved early
Keeping your finances steady until you have the keys
Sending documents quickly when I ask for them
Asking questions early, before they turn into problems

Buying, refinancing, or investing, I'll make sure the only surprise is how smooth it goes.

📞 (850) 830-3589
✉️ [email protected]
🌐 homeloanswithrhonda.com

💭 First-Time Buyers: Let’s Dream for a Minute...Which home style fits you best?A. Beachy Bungalow 🏖️B. Downtown Loft 🌆C....
10/23/2026

💭 First-Time Buyers: Let’s Dream for a Minute...

Which home style fits you best?

A. Beachy Bungalow 🏖️
B. Downtown Loft 🌆
C. Suburban Classic 🏘️
D. Cabin in the Woods 🌲

Drop your pick below and let’s talk about how to make it real!

📩 Email me at [email protected] or visit www.homeloanswithrhonda.com

As a preferred lender, I work with builders to keep deals moving. But I want to hear from YOU!❓ What’s your biggest hurd...
10/22/2026

As a preferred lender, I work with builders to keep deals moving. But I want to hear from YOU!

❓ What’s your biggest hurdle when it comes to homebuyer financing?
✔️ Interest rate concerns?
✔️ Closing cost barriers?
✔️ Keeping buyers engaged in the process?

💡 Let’s find solutions that help you sell more homes! Drop your thoughts in the comments or send me a message.

📩 Email me at [email protected] or visit www.homeloanswithrhonda.com to start the conversation!

💬 Tag a builder who could benefit from this discussion!

One of the lesser-known tools available to first-time buyers is the seller concession. A lot of buyers don't ask for it ...
10/15/2026

One of the lesser-known tools available to first-time buyers is the seller concession. A lot of buyers don't ask for it because they don't know it exists.

A seller concession is when the seller agrees to cover a portion of your closing costs as part of the purchase agreement. Instead of paying those costs out of pocket at closing, the seller credits you that amount.

Why would a seller agree to this? In a slower market or with a motivated seller, offering a slightly higher purchase price in exchange for a concession can work in your favor. The seller nets the same amount or close to it, and you keep more cash in your account.

How much can you ask for? It depends on the loan type. FHA loans allow up to 6% of the purchase price in seller concessions. Conventional loans generally cap it at 3% with a down payment under 10%, and up to 6% with a larger down payment. VA loans allow up to 4%.

It's a negotiating tool and not every seller will agree, especially in a competitive market. But in the right situation it can significantly reduce what you need to bring to the table at closing.

I help buyers think through when and how to ask for concessions as part of the offer strategy. Reach out if you want to talk it through.

📞 (850) 830-3589
✉️ [email protected]
🌐 homeloanswithrhonda.com

Preparation changes everything in the home buying process.When you understand your numbers and options early, the journe...
10/12/2026

Preparation changes everything in the home buying process.

When you understand your numbers and options early, the journey feels smoother and far less stressful. Let’s get you ready.

📩 [email protected]
🌐 www.homeloanswithrhonda.com

Address

Niceville, FL

Opening Hours

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

Telephone

+18503534346

Website

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