Aisha Home Loans

Aisha Home Loans Aisha Barbosa | Mortgage Loan Originator
Rize Mortgage
NMLS 2401636 | Company NMLS 1604663
Your Home. Your Loan.

Your Timeline
Equal Housing Lender
Serving Massachusetts & Rhode Island

aishahomeloans.com

nmlsconsumeraccess.org​​​​​​​​​​​​​​​​ Loan Officer | Passionate About Guiding Clients Through Every Step of Their Home Financing Journey

🚫 MORTGAGE MYTH: ""You need to be at the same job for 2 years to get a mortgage.""✅ THE TRUTH:Lenders want to see 2 year...
09/03/2026

🚫 MORTGAGE MYTH: ""You need to be at the same job for 2 years to get a mortgage.""

✅ THE TRUTH:

Lenders want to see 2 years of WORK HISTORY — not 2 years at the same company.

Here's what actually matters:
📋 Consistency in your line of work (same industry/field)
📋 No major unexplained gaps in employment
📋 Stable or increasing income

So if you:
✅ Got promoted and changed companies — you're good
✅ Switched firms but stayed in the same field — you're good
✅ Went from hourly to salary in the same industry — you're good

Where it gets trickier:
⚠️ Career changes to a completely different field
⚠️ Gaps longer than 30 days without explanation
⚠️ Switching from W-2 to self-employment (different documentation)

Even in these cases, it doesn't mean you CAN'T qualify — it just means we need to look at the full picture.

Don't let this myth keep you from exploring your options 👇
🔗 Get pre-approved → aishahomeloans.com

🏡 WHAT DOES $475K BUY YOU ON THE MA SOUTH COAST?Let's take a tour 👇📍 Fall River — Renovated 3-4 bed colonials or solid m...
09/02/2026

🏡 WHAT DOES $475K BUY YOU ON THE MA SOUTH COAST?

Let's take a tour 👇

📍 Fall River — Renovated 3-4 bed colonials or solid multi-family properties with rental income potential. Easy highway access, waterfront views in some neighborhoods, and a downtown that's growing fast. The median home here is around $440K, so $475K gives you real options.

📍 New Bedford — Art, culture, and waterfront living. The Whaling City is having a moment — think spacious single-families with character or multi-family investment plays. Median is right around $445K, so your budget stretches nicely here.

📍 Dartmouth — Coastal suburb with top-rated schools and a laid-back feel. The median home is higher (~$545K), but at $475K you can find well-maintained ranches, capes, and starter homes in established neighborhoods — especially if you're flexible on updates.

📍 Westport — If you want quiet and space, this is it. Rural living just minutes from the beach. Westport's median is above $500K, but $475K gets you into smaller capes, cottages, and properties with potential — perfect for buyers who want to grow into a home.

The South Coast is one of the most underrated areas in Massachusetts. Buyers are catching on 🌊

Want to see what YOU qualify for? 👇
🔗 Get pre-approved → aishahomeloans.com (http://aishahomeloans.com/)

📚 MORTGAGE TERM TUESDAY: CLTVYou've probably heard of LTV (Loan-to-Value)... but what about CLTV?CLTV = Combined Loan-to...
09/01/2026

📚 MORTGAGE TERM TUESDAY: CLTV

You've probably heard of LTV (Loan-to-Value)... but what about CLTV?

CLTV = Combined Loan-to-Value

Here's the difference:
🏠 LTV looks at your FIRST mortgage vs. your property value
🏠 CLTV looks at ALL your loans (first mortgage + any second liens) vs. your property value

Why does this matter? If you're using down payment assistance (DPA), a HELOC, or any second mortgage — lenders look at your CLTV to determine your total financing risk.

Example:
🏡 Home value: $400,000
💰 First mortgage: $360,000
💰 DPA second lien: $15,000
→ LTV = 90%
→ CLTV = 93.75%

Most loan programs have BOTH an LTV limit AND a CLTV limit. Understanding the difference can open up more options for you.

Not sure what loan structure works best for your situation? 👇
🔗 Find your match → aishahomeloans.com

I miss y'all. For real. 🤍I've been quiet on here for a minute — but it's been for good reason. I've been heads down work...
08/30/2026

I miss y'all. For real. 🤍

I've been quiet on here for a minute — but it's been for good reason. I've been heads down working with clients and getting settled into my new home at Rize Mortgage with the Quick Mortgage 101 Team. The transition has been exciting and I'm so grateful for the support.

But I miss my people. I miss showing up here. Well, I'm back and I'm not coming back empty-handed 😏

Mark your calendars 📅

🗓️ Tuesday, October 20, 2026
🕓 4:00 – 6:00 PM
📍 Legal Sea Foods, Framingham MA

Please join us for The Real Estate Connect event — a networking event built for real estate professionals. Agents, and industry partners all in one room. Real conversations, real connections, and a great atmosphere.

If you're an agent in MA or RI and you want to expand your network heading into Q4, this is the one to be at.

I'm back, and I'm bringing something worth showing up for. 🔥

Spots are limited. DM me or comment "CONNECT" and I'll get you registered. 🤝

🚫 MYTH: "Your pre-approval amount is what you should spend."✅ REALITY: Your pre-approval tells you the maximum you can b...
07/30/2026

🚫 MYTH: "Your pre-approval amount is what you should spend."

✅ REALITY: Your pre-approval tells you the maximum you can borrow. It's a ceiling — not a target.

Just because you CAN borrow that much doesn't mean you SHOULD.

Budget based on what feels comfortable — not what stretches you thin. Think about:

🔹 Your monthly lifestyle (not just bills)
🔹 Savings you want to keep
🔹 Future goals

The best homeowners aren't the ones who maxed out. They're the ones who left room to breathe.

📩 Let's find your comfort zone, not just your limit.
🔗 aishahomeloans.com

Aisha Barbosa | Mortgage Loan Originator | NMLS # 2401636 | LMP Financial NMLS # 2754084

🏡 What Does $600K Buy in Plymouth County?Plymouth County has some of the best value on the South Shore — and $600K puts ...
07/30/2026

🏡 What Does $600K Buy in Plymouth County?

Plymouth County has some of the best value on the South Shore — and $600K puts you right in the sweet spot in these towns:

📍 Pembroke — Family-friendly, great schools, close to the highway. Colonials and raised ranches with updated kitchens. Median right around $600K.

📍 East Bridgewater — Spacious lots, newer construction pockets. You're getting 3-4 beds with room to grow. Median around $575-600K.

📍 Whitman — Smaller town feel, walkable downtown, commuter rail nearby. Ranches and capes in the low-to-mid $500s — $600K gets you something move-in ready with extras.

📍 Hanson — Country feel without being far from everything. Larger lots, wooded neighborhoods. Median around $555K — your $600K stretches here.

Want to know what YOU qualify for? Let's talk 👇
🔗 Get pre-approved: aishahomeloans.com

📖 Terminology Tuesday — Closing DisclosureThis is the document that tells you exactly what you're signing up for — down ...
07/28/2026

📖 Terminology Tuesday — Closing Disclosure

This is the document that tells you exactly what you're signing up for — down to every dollar.

Your Closing Disclosure (CD) arrives at least 3 business days before closing. It includes:

📄 Your final loan terms
📄 Monthly payment breakdown
📄 Closing costs — itemized
📄 How it compares to your original Loan Estimate

This is your chance to review everything before you sit at the table. If something looks off, ask questions BEFORE closing day.

No surprises. That's the whole point.

📩 Book a call to walk through the process → aishahomeloans.com

Aisha Barbosa | Mortgage Loan Originator | NMLS # 2401636 | LMP Financial NMLS # 2754084

🏠 Mortgage Monday — Buying a Multi-Family as a First-Time BuyerIt's called house hacking, and it's one of the smartest m...
07/27/2026

🏠 Mortgage Monday — Buying a Multi-Family as a First-Time Buyer

It's called house hacking, and it's one of the smartest moves you can make — especially in MA and RI.

Here's how it works:

🔹 Buy a 2-4 unit property
🔹 Live in one unit
🔹 Rent the others
🔹 Use the rental income to help you qualify

You get a home AND an investment property in one transaction. Your tenants help cover your mortgage. And you can still use FHA or conventional financing.

MA and RI have incredible multi-family stock. This strategy was practically made for this market.

📩 Curious if this works for you? Let's run the numbers.
🔗 aishahomeloans.com

Aisha Barbosa | Mortgage Loan Originator | NMLS # 2401636 | LMP Financial NMLS # 2754084

👋 Real Estate Agents — this one's for you.You've got buyers who love the home but are nervous about the payment.Right no...
07/25/2026

👋 Real Estate Agents — this one's for you.

You've got buyers who love the home but are nervous about the payment.

Right now, I have a program that reduces the rate for year one on purchase loans. Lower payment during the most expensive year of homeownership.

It's a real tool to help your clients get off the fence and into their home.

⏰ Ends 8/31 — let's get your buyers locked in.

📩 DM me or book a call → aishahomeloans.com

Aisha Barbosa | Mortgage Loan Originator | NMLS # 2401636 | LMP Financial NMLS # 2754084

📊 Late July Market Update — MA & RIThe mid-year numbers are in for your local market, and here's what's happening:🏘️ Bri...
07/24/2026

📊 Late July Market Update — MA & RI

The mid-year numbers are in for your local market, and here's what's happening:

🏘️ Bristol County, MA:
→ Home sales up 3.6% from last year
→ Average prices up 5.6%
→ More homes hitting the market — listings up 6.3%

🏘️ Plymouth County, MA:
→ Home sales up 7.9% — strongest growth in the area
→ Average prices up 6.3%
→ Listings and pending sales both climbing

🏘️ Rhode Island:
→ Single-family sales jumped 14% in June — the first annual gain in closed transactions this year
→ Median price hit a new record high
→ Buyers are moving, and so is the market

📉 Rates have been holding steady and Fannie Mae is forecasting they'll stay in this range through 2027. If you're waiting for dramatically lower rates, the data says this might be the range for a while.

The takeaway? More inventory means more options, but prices aren't coming down. If you've been on the sidelines, now is actually a better time to buy than 6 months ago — there's more to choose from and more room to negotiate.

Curious what you'd qualify for? Start here 👇
🔗 aishahomeloans.com

Aisha Barbosa | Mortgage Loan Originator | NMLS # 2401636

Address

335 Washington Street Ste 1
Norwell, MA
02061

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