Mortgages By Eliz

03/09/2026

Hello! Is this thing on...? 🎙️👀

If you’ve been wanting to start building real wealth through real estate, stop scrolling for a second.

Most people assume that buying a rental property requires endless tax paperwork, W-2s, or massive personal income. But there are specialized programs designed to evaluate the property’s potential cash flow rather than your personal paycheck.

Here is why investors love this option:
🚫 No W-2s or personal tax returns required
💰 As long as the rent covers the mortgage payment, the property does the heavy lifting
🔑 You don’t even need to own a primary residence first to get started

There are specific credit and down payment guidelines to make sure the math works, but it’s a game-changer if you want to scale without the headache of personal income verification.

Drop the word INVEST in the comments below, or send me a message, and my team and I will send over the quick breakdown! 📩

Elizabeth Johnston NMLS 2446640
Four Clover Homes NMLS 1585758

20/08/2026

Sellers outnumber buyers by 50% nationwide, giving you huge negotiating power right now—if you're ready to make your move! 🏡

Don't let the down payment hold you back. Tap below for 3 simple steps to start building your savings, then scan the QR code to schedule a free mortgage consultation and get your homebuying plan in motion! 👇

Elizabeth Johnston | NMLS 2446640
Four Clover Homes NMLS 1585758

17/08/2026

Most online mortgage calculators get it wrong because they only look at principal and interest. 🛑

When we calculate your actual purchasing power, we have to look at the full picture: property taxes, homeowners insurance, HOA fees, and debt-to-income ratios. What looks affordable on a basic website might look completely different when structuring an actual loan.

My job isn't to push you into a standard box—it’s to analyze your full financial profile, explore every available program, and structure a custom loan strategy that fits your real budget and long-term goals.

📲 Want to know your real numbers?

Comment or DM me the word "STRATEGY" to set up your consultation!

Elizabeth Johnston
Mortgage Advisor | NMLS 2446640
Four Clover Homes NMLS 1585758

13/08/2026

Stop waiting on the sidelines for rates to drop... 🛑👇

When interest rates drop across the board, buyer competition surges, bidding wars return, and home prices jump $20k–$30k+ overnight. You end up paying way more for the house anyway.

The smarter play? Secure today's purchase price and lower your rate today.

Right now, we are offering a 1-0 Lender-Paid Buydown on qualifying loans through the end of this month!

✨ What that means for you:
We pay to lower your interest rate by 1% for your entire first year.
Costs $0 to you.
Costs $0 to the seller.
Gives you lower monthly payments right now while you wait to refinance down the road.

⏰ This lender-paid promo runs through the end of the month.

💬 Comment "PROMO" below or send me a DM, and I'll send over the rate sheet and see if your target home qualifies!

Elizabeth Johnston | NMLS 2446640
Four Clover Homes NMLS 1585758

06/08/2026

I couldn’t believe this response… 🤯👇

I recently called a few listing agents with houses sitting on the market to offer a financing strategy that costs their sellers ZERO extra dollars, significantly lowers monthly payments for buyers, and gets stale listings moving.

The response? "No thanks, not interested."

No questions. No checking with their client. Just slammed the door shut.

Here’s the reality for homeowners: When your house is sitting, most agents default to one lazy solution—a $20,000 price drop.

What they don't tell you is that a properly structured $5,000 credit or lender-assisted rate buydown lowers the buyer’s monthly payment far more than a huge price cut ever would. It saves the deal, drives traffic, and keeps thousands of dollars in your pocket.

If your home isn’t selling, ask yourself: Is your agent presenting every strategy, or just waiting for a miracle?

💬 Comment "STRATEGY" below, and I’ll send you the exact breakdown of how we structure these options to get homes sold without slashing purchase prices!

📲 Share this with anyone trying to sell their home right now!

Elizabeth Johnston | NMLS 2446640
Four Clover Homes | NMLS 1585758



Mortgage broker strategies How to sell a house fast Seller concessions vs price cut Housing market 2026 Is my listing agent bad Temporary rate buydowns

01/08/2026

The math on waiting for mortgage rates to drop… 🧮👇

Most renters think: “I’ll just wait until interest rates hit 5% before I buy.”

Here is what actually happens when rates drop:
1️⃣ Buyer competition surges overnight.

2️⃣ Bidding wars come back.

3️⃣ Home prices jump—wiping out any savings you were waiting for.

The harsh reality: When you rent, you are paying a 100% interest rate. None of that money comes back to you. You are building your landlord’s equity instead of your own.

You can refinance a mortgage rate, but you can’t refinance the purchase price of a home.

Stop waiting on the sidelines while your rent pays off someone else’s asset.

💬 Comment "NUMBERS" below, and I’ll DM you a quick break-even breakdown for our local market so you can see what you actually qualify for today!

Elizabeth Johnston | Mortgage Advisor | NMLS 2446640
Four Clover Homes NMLS 1585758

📲 Send this to a friend who is currently stuck in the renting trap!

30/07/2026

Got a stale listing? Here’s the strategy turning 'Sitting' into 'SOLD'—without a massive price drop. 😱

A temporary rate buydown lowers the buyer’s monthly payment for the first year while keeping the seller's price intact.

👉 Read the full breakdown here: https://mortgagesbyeliz.com/f/what-is-a-temporary-rate-buydown-how-to-lower-your-mortgage-paym?fbclid=IwY2xjawTYVM9wZG9mBWV4dG4DYWVtAjExAHNydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR6sGiZwXBGAQ6I38-9uawTGckyfqef448SFmryE30uxKtStBiKw5zojr_MuZA_aem_CH1nq7A86zN0IkYst7Pl4A

Have a specific listing in mind? DM me or drop a comment below and let's run the numbers! 🤓

Elizabeth Johnston | NMLS 2446640
Four Clover Homes NMLS 1585758

Are high interest rates making you rethink buying a home right now? You are not alone—affordability is top of mind for home buyers across the nation. But here is the good news: you don't have to wait for market rates to ...