Tom Reed at Landmark Mortgage Planners, NMLS# 703454

03/24/2026

Did you know this simple credit move could actually hurt your score? 👀

Closing credit card accounts might seem like the smart thing to do, but it can actually lower your credit score. Why? Because you’re reducing your total available credit and that impacts your credit utilization, which is a big factor lenders look at.

Instead of closing accounts, a better strategy is to pay down or pay off your balances while keeping those lines of credit open. ✔️

Small moves = Big impact when it comes to your financial future.

Have questions about how your credit affects your home buying power? Let’s talk.

📞 Call for further details:
Tom Reed
703-727-4478

03/14/2026

Let’s talk INTEREST RATES in this market 📈🗣️

Check out this live from yesterday with me and Glenn Stein. This is going to be something you want to pay attention to 👂

Looking to buy or sell in The villages ? I am your guy! Let’s talk 📲

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Tom Reed
703 • 727 • 4478

Interest rates are Killing the Villages Real Estate Mortgages Cash Purchases🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 dis...

03/10/2026

Mortgage rates jumped up a bit last week. This week the Mortgage Bonds are improving. We should see rates a bit lower this Friday. Stand by...

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Tom Reed
703-727-4478

07/23/2025

One move almost cost her the keys…😱
If you’re under contract, don’t do anything big without talking to your lender first!
Call me to get you preapproved! 🤳

07/16/2025

Smart borrowers prep their credit before house hunting 🧠
Call me if you think you're ready to apply!🤳

07/11/2025

What’s “DTI” and why does it matter? Your Debt-to-Income ratio can make or break your mortgage approval. Let me show you how it works — and how to improve it.

07/10/2025

I always get questions from clients wondering when the best time to buy a home is. What you'll never hear on the news, is that YOUR economy is more important than what's happening in the housing market. The sooner you can confidently get into a home, the sooner you'll start building equity and reaping the benefits of appreciation!

07/09/2025

Not ready? 😅 That’s okay!
Let’s build your foundation first.
Give me a call and I’ll guide you through the steps.🤳

07/04/2025

This Independence Day, we celebrate the freedom, resilience, and opportunity that define the American dream. At ICM, we’re proud to help families across the nation build a future rooted in home, hope and possibility.

We wish you and your loved ones a safe, joyful and meaningful 4th of July. 🇺🇸🏡

07/03/2025

Still hoping to move before the new school year starts? 📚🏡 Let’s get your loan process started now so you can be unpacked before August. ⏳ Timing is everything in real estate.

06/27/2025

Buying your first home? Avoid these 3 common mistakes: ❌ Skipping pre-approval ❌ Underestimating closing costs ❌ Changing jobs mid-process. Work with a pro who’s got your back 💼

06/23/2025

Still holding onto an old loan? It might be time for an upgrade. Loan terms that worked years ago might not be working in your favor today. If interest rates have dropped, your credit has improved, or you’re looking to lower monthly payments or access home equity — it could be the right time to refinance. Let’s review your current loan and explore your options!