Ivory Holdings Group

10/28/2026

🏡 What’s your home worth this month?

Oak Harbor & Whidbey homeowners — your home value may be changing more than you realize.

Get a FREE monthly home value report delivered right to your inbox from Ivory Home Group. 📈

See what your home could be worth today 👇
https://ivoryholding.com/real-estate

📞 James Ivory II | (360) 672-7075

10/22/2026

🏡 One decision can change the way you see your financial future.

After struggling with student debt and damaged credit, I learned about real estate from a friend and bought my first townhome in Hawaii in 2010.

That home began building equity—and completely changed the way I looked at renting, ownership, and building long-term wealth.

Sometimes the first step isn’t having everything figured out. It’s learning what’s possible.

Ready to start exploring homeownership? Let’s talk. 🔑

IvoryHolding.com

10/17/2026

A Whidbey home with 0% down? 🏡 Let’s explore your options!

USDA loans available for qualified buyers and eligible properties.

📲 James Ivory II: 360-672-7075
NMLS #2621377

10/13/2026

Service built your future. Now let’s protect what comes next.

Have a TSP from your military career? You may have options for rolling eligible TSP funds into an IRA with an annuity designed around protection, growth potential, and future income.

Kinfolk Financial Group can help you explore what fits your goals, timeline, and family.

📞 James Ivory II: (360) 672-7075
🌐 KinfolkFinancials.com

Ready to see your options? Schedule a complimentary consultation today. 👇



*TSP rollovers aren’t right for everyone. Annuities may include fees, surrender charges, and withdrawal restrictions. Guarantees depend on the issuing insurer’s claims-paying ability.

10/10/2026

🛡️ Life insurance is about more than leaving money behind.

It’s about helping protect your family, your home, and the future you’re working so hard to build. 💙

If people depend on you, having the right protection in place matters.

Have questions about life insurance? Reach out to Ivory Holding today.

IvoryHolding.com

10/09/2026

🏡✨ ALABAMA HOMEBUYERS — YOUR DREAM HOME COULD BE CLOSER THAN YOU THINK! ✨🏡

📍 CALERA & McCALLA, ALABAMA!

💰 WHAT IF YOU COULD BUY A HOME WITH $0 DOWN?

That's right! Through the USDA Rural Development Home Loan Program, eligible homebuyers may qualify for 100% financing — NO DOWN PAYMENT REQUIRED! 🎉

🏠 USDA Home Loan Benefits:

✅ $0 down payment for qualified borrowers
✅ Competitive mortgage interest rates
✅ Available to eligible first-time AND repeat homebuyers
✅ Opportunities in eligible rural and suburban communities
✅ Make homeownership a reality without saving for a large down payment!

📍 LOOKING IN CALERA OR McCALLA?

Certain properties in these communities may qualify for USDA financing!

🔎 Check your property's eligibility using the official USDA map:

🌐 https://eligibility.sc.egov.usda.gov

📲 READY TO BECOME A HOMEOWNER?

Whether you're purchasing your first home or making your next move, let me help you explore your financing options!

🤝 JAMES IVORY
Mortgage Loan Originator | NMLS #2621377
IVORY MORTGAGE GROUP
NEXA Mortgage LLC | NMLS #1660690

📞 360-672-7075
📧 [email protected]
🌐 https://ivoryholding.com/mortgage

💬 Comment "USDA" below or send me a private message to get started!

🏡 Your Next Chapter Starts With Homeownership!



Equal Housing Opportunity. USDA financing is subject to property and income eligibility, credit approval, and program requirements. Closing costs and USDA guarantee fees may apply. Not affiliated with or endorsed by the USDA or any government agency.

10/09/2026

🏡 FHA & VA BUYERS — THIS IS BIG! 🇺🇸
Great news for borrowers! 🎉
UWM has removed credit-score-based Loan Level Price Adjustments (LLPAs) for FHA and VA loans for credit scores of 580+ through December 31.

💰 That can mean:
✅ More competitive pricing
✅ Greater affordability
✅ More opportunities for FHA & VA buyers
✅ Another way to help qualified borrowers get into a home

https://ivoryholding.com/mortgage

🇺🇸 VA borrowers: UWM has also reduced the LLPA on VA cash-out refinances above 90% LTV from 1.250 to 0.750.
If you're a Veteran, first-time buyer, or looking to refinance, let's see what today's options look like.

📲 Don't assume you can't qualify — let's run the numbers!
Ivory Home Mortgage
Home Mortgages by Team Ivory
🏠 VA | FHA | Conventional | USDA
📍 Serving borrowers in multiple states
Your homeownership journey starts with a conversation.
🇺🇸🏠

10/08/2026

🚨 THIS JUST IN: Credit score rules for home loans are changing! 🏡

Fannie Mae and Freddie Mac lenders can now use VantageScore 4.0 for eligible loans, giving lenders another way to evaluate borrowers beyond the traditional Classic FICO model. Fannie Mae’s automated underwriting also no longer requires a minimum third-party credit score—but lenders and loan programs can still have their own requirements. FHFA.gov

Translation? Your credit situation may not tell the whole story anymore. 👀

Think you couldn’t qualify before? It may be worth taking another look.

Ready to see where you stand? Reach out to Ivory Holding today.

IvoryHolding.com

10/06/2026

🏡 Every closing is a celebration! 🎉🔑

There’s nothing better than seeing another family get the keys to their new home.

Are you ready to be our next reason to celebrate?

Reach out to Ivory Holding today and let’s start your journey. 👇

IvoryHolding.com

10/04/2026

🏡 **SELLING OR BUYING A HOME? DON’T JUST PROTECT THE HOUSE — PROTECT THE MORTGAGE.**

Life can change in an instant. A serious illness, injury, or unexpected loss of income can put a family’s home and financial future at risk.

One option worth considering is **Term Life Insurance with Living Benefits** — coverage designed to help protect your loved ones while also providing potential financial support if you experience certain qualifying critical, chronic, or terminal illnesses.

💰 Help protect your mortgage
❤️ Help protect your family
🛡️ Create a financial safety net
🏠 Keep your biggest asset protected

Your home may be one of the largest investments you’ll ever make. Make sure you’re protecting the people and finances behind it.

📩 **Want to see what coverage options may fit your situation? Send me a message.**

**Kinfolk Financials**
*Financial Services Professional*
Family • Community • Legacy

Our commitment is to deliver exceptional insurance solutions tailored to your needs. With expert guidance, personalized care, and a wide range of coverage options, we ensure you receive the best service every time — protecting what matters most.