Mike Najm - Mortgages & Real Estate

07/18/2026

🏡 Did you purchase your Florida home before 2022? You may have built more home equity than you realize.

In this short video, I explain how a cash-out refinance works using a simple example:

Home value: $400,000
Mortgage balance: $250,000
Estimated home equity: $150,000

A cash-out refinance replaces your current mortgage with a new loan and may allow you to receive a portion of your available equity in cash.

Homeowners often use the funds for:

✅ Home renovations or improvements
✅ Consolidating high-interest credit card debt
✅ A down payment on an investment property

Watch the video here:
https://youtube.com/shorts/bIw3WRzmdoI?feature=share

Not all equity is available to withdraw, and refinancing may change your interest rate, payment and loan term. Qualification depends on credit, income, property value and other lending requirements.

Comment EQUITY or message me for a personalized review.

Mike Najm
Mortgage Loan Officer | NMLS #2064418
📞 321-443-4570
Apply: http://mikenajmloans.com/apply
Hablo Español

07/08/2026

Orlando / Southchase Listing Available

12018 Greco Dr, Orlando, FL 32824
4 Beds | 3 Baths | Approx. 2,364 Sq Ft
Listed at $437,000

Looking for a serious buyer, cash buyer, investor, or buyer with strong financing for my Orlando listing. Spacious two-story home with a flexible floor plan, 2-car garage, and great potential in the Southchase area.

Seller is motivated and will review strong offers.

Listing link:
https://portal.onehome.com/en-US/share/2881964r96222

Buyer agents welcome. Please message me directly for details, showing info, or questions.

Mike Najm
Realtor® & Loan Officer
Dalton Wade Real Estate Group | Loan Factory
NMLS #2064418
(321) 443-4570

07/07/2026

If you are shopping mortgage rates right now, please do not compare only one number.

The lowest rate is not always the best overall strategy.

You also need to compare:

💰 Monthly payment
📋 Cash to close
📉 Discount points
🏦 Lender fees
🤝 Seller credits
🔁 Future refinance options
💵 Money left in your bank after closing

Sometimes a lower rate sounds better, but the cost upfront is too high for your situation.

The goal is not just to win the rate. The goal is to protect your money, payment, and peace.

Comment RATE if you want help comparing the real numbers.

Mike Najm
Realtor® | Mortgage Loan Officer | Tax Preparer
Dalton Wade Real Estate Group | Loan Factory
NMLS #2064418 | Company NMLS #320841
Call / Text / WhatsApp: 321-443-4570
Email: [email protected]
Apply Online: mikenajmloans.com/apply
Real Estate Website: mikenajm.daltonwade.com
YouTube: www.youtube.com/?sub_confirmation=1
Hablo Español

Educational content only. Loan, real estate, tax, investment, refinance, and approval scenarios vary by buyer, borrower, property, income, documentation, market, and program guidelines. This is not legal, tax, financial, or mortgage advice.

07/04/2026

07/04/2026

Happy 4th of July 🇺🇸🙏
This year is extra special as America celebrates 250 years of independence, freedom, faith, courage, and opportunity.
Today, we honor the blessings of living in this great nation, the sacrifices that built it, and the hope that continues to bring people from all over the world to call America home.
May God continue to bless our families, protect our communities, guide our nation, and bring peace, unity, prosperity, and opportunity to all who live here.
From my family to yours, wishing you a joyful, safe, and blessed Independence Day.
God Bless America 🇺🇸
Mike Najm | Orlando, FL