Brad Dombrosky - Flat Branch Home Loans NMLS #404109

10/28/2026

Buying down your rate can save you thousands, or cost you thousands. The difference is knowing how the math works, and most lenders don’t always spell it out. Here’s what you need to know before you pay for a lower rate.

10/27/2026

⭐️⭐️⭐️⭐️⭐️ from both the buyer and the Realtor is the best compliment I could ask for. Thanks for trusting me with your cross-state move.

10/25/2026

🚨Attn Douglas County Homeowners🚨

With property tax bills coming out in the next month or so…be aware there is a Scam Alert - Fraudulent Tax Collection Calls going on

Individuals are impersonating the Douglas County Treasurer’s Office, claiming that taxes are overdue and directing residents to call another number to stop interest from accruing. DCTO office does not call residents to collect taxes. If you receive this type of call, hang up. Do not provide payment, personal information, or financial information.

10/24/2026

Wow California state income tax is ridiculous! 😳 How do you feel about your state income tax rate?

9 states have 0% state income tax. 💰

10/22/2026

Most homeowners don’t fully understand how mortgage interest works. Check out this video for a breakdown of how it’s calculated and how extra principal payments can help save interest. See link to my calculator in the comments below.

10/19/2026

Too many people dwell on the past. Remember this the next time it starts to happen to you. 👊

10/18/2026

Did you know? When you buy a home, you can often ask the seller to pay your closing costs, and in many cases (especially in this current market) they'll say yes. These are called seller concessions, and depending on your loan type and down payment amount, they can cover anywhere from 3% to 6% of the purchase price.

On a $400,000 home, that could be $12,000 to $24,000 in costs the seller can pay for you. These days those seller concessions are used for a lower interest rate, lower payment for the first few years, or funds needed for closing.

Most buyers never ask because they assume closing costs are just something the buyer has to pay.

Have questions about the home buying process or about how seller concessions can help you?

I'm always happy to help. Just drop me a message! 📲

Call now to connect with business.

10/16/2026

Higher interest rates may have less of an impact on your budget than you think 🤔

Let’s run the numbers and find a mortgage strategy that makes sense for you!

10/15/2026

Last week I closed a loan for a first time home buyer that had already been preapproved with another lender and thought he was all set for financing before we met.

It all started last month when the realtor encouraged a 2nd opinion to make sure he knew every option that was available to him. Being a first time home buyer he wanted to meet face to face. I always offer that, but it’s very rare that folks want to do anything but get things done online. He came with lots of great questions, and I was overly thorough as I wanted to make sure he left with everything answered.

Long story short, I gave him timely updates along the way and made sure he was comfortable and had all questions answered everytime we spoke.

At closing he expressed how happy he was that the Realtor introduced us and couldn’t wait to tell all of his friends and family about how amazing and informative the process was. (His words, not mine)

Oh, the deal I got him was the exact same deal the first lender was offering him. The morale of the story, getting a mortgage isn’t just about your rate. It’s about how your treated and guided thru the home buying process.

A seasoned Trusted Advisor does this, each and every time. When a client tells you he wants to tell everyone about his lender and Realtor, that’s what it’s all about. Big thanks to the Realtor for encouraging a 2nd opinion.

Make sure you find your MortgageHappiness. 👊

10/14/2026

You may be hearing more and more about VantageScore 4.0 lately, especially as credit scoring continues to evolve in the mortgage industry. So I wanted to put out some things to know what this all means. 

Here are 5 key differences between FICO and VantageScore that are worth knowing:

1. Credit History Requirements: Traditional FICO models generally require at least 6 months of credit history, while VantageScore can score some consumers with as little as 1 month of reported credit activity.

2. Payment History: Both heavily consider payment history, but each model uses its own formula to evaluate how you manage credit.

3. Trended Credit Data: VantageScore 4.0 looks at credit behavior over time, including whether balances are trending up or down. This provides additional context beyond a snapshot of current balances.

4. Rental Payment History: VantageScore 4.0 can incorporate eligible rental payment data when it is reported and available. This may help some consumers with limited traditional credit history.

5. Different Scores From the Same Credit Report: Because the models use different algorithms, the same consumer can have different FICO and VantageScore results—even when they're based on similar credit information.

All of this said, there’s no guarantee your score will be higher with a Vantage score. If you're planning to buy a home, let's talk about what your credit profile means for your loan options.