Mike Najm - Mortgages & Real Estate

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I help Central Florida renters, homeowners, self-employed buyers, and investors make smarter real estate, mortgage, and tax-aware decisions in English and Spanish Mike Najm|Loan Officer & Realtor
Hablo Español! - Dalton Wade Real Estate Group
https://mikenajm.daltonwade.com/
Loan Factory
NMLS: #2064418; CO-NMLS: #320841
https://www.mikenajmloans.com

06/10/2026

Self-employed friends, this one matters.
A lot of people try to pay zero taxes and then later ask, "Why can’t I qualify for a house?"
Because your tax return tells a financial story.
For mortgage planning, the goal is not always to show the lowest income possible. Smart tax strategy is about balance.
This is especially important for:
✔️ business owners
✔️ 1099 workers
✔️ truck drivers
✔️ freelancers
✔️ real estate investors
✔️ self-employed buyers
If you want to buy a home in the next 6 to 24 months, tax planning and mortgage planning should work together.
Comment TAX if you are self-employed and want to prepare smarter.
Mike Najm
Realtor® & Mortgage Loan Officer
📲 Call/Text/WhatsApp: 321-443-4570
🌐 mikenajmloans.com
📧 [email protected]
🏡 Dalton Wade Real Estate Group
🏦 Loan Factory
📍 Orlando & Central Florida
🎥 YouTube:
Disclaimer: Content is for educational purposes only and should not be considered legal, tax, financial, or mortgage advice. Programs, rates, and guidelines may change.
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06/10/2026

Trabajadores independientes, este mensaje es muy importante.

Muchas personas intentan pagar cero impuestos y después preguntan: "¿Por qué no califico para comprar casa?"

La realidad es que tus impuestos cuentan una historia financiera.

Si quieres comprar casa, financiar una propiedad o prepararte para una preaprobación, la planificación de impuestos debe tener estrategia.

No se trata solamente de pagar menos. Se trata de balancear impuestos, ingresos, crédito y metas futuras.

Esto aplica especialmente si eres:
✔️ trabajador independiente
✔️ dueño de negocio
✔️ conductor
✔️ 1099
✔️ inversionista

Comenta TAXES si trabajas por tu cuenta y quieres prepararte mejor para comprar casa.

Mike Najm
Realtor® & Mortgage Loan Officer

📲 Call/Text/WhatsApp: 321-443-4570
🌐 mikenajmloans.com
📧 [email protected]
🏡 Dalton Wade Real Estate Group
🏦 Loan Factory
📍 Orlando & Central Florida
🎥 YouTube:

Disclaimer: Content is for educational purposes only and should not be considered legal, tax, financial, or mortgage advice. Programs, rates, and guidelines may change.

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06/09/2026

Warning for Florida homebuyers: do not finance furniture right before closing.
I know it is exciting. New house, new couch, new TV, new bedroom set.
But financing furniture before closing can hurt your mortgage approval because lenders may re-check your credit, debt ratios, and monthly obligations.
A small monthly payment can create a big problem at the wrong time.
Real talk: a folding chair in your own house is better than luxury furniture while still renting.
Protect the approval first. Decorate after closing.
Comment APPROVAL if you want more homebuyer mistakes to avoid.
Mike Najm
Realtor® & Mortgage Loan Officer
📲 Call/Text/WhatsApp: 321-443-4570
🌐 mikenajmloans.com
📧 [email protected]
🏡 Dalton Wade Real Estate Group
🏦 Loan Factory
📍 Orlando & Central Florida
🎥 YouTube:
Disclaimer: Content is for educational purposes only and should not be considered legal, tax, financial, or mortgage advice. Programs, rates, and guidelines may change.
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06/09/2026

Si quieres hacerte dueño de tu casa más pronto, por favor evita este error.

No financies muebles, televisores, camas o compras grandes justo antes del cierre.

Entiendo la emoción. Casa nueva, muebles nuevos, todo nuevo.

Pero antes de cerrar, cualquier deuda nueva puede afectar:
📉 tu crédito
💰 tu pago mensual
📊 tu relación deuda-ingreso
📋 tu aprobación hipotecaria

Primero protege la aprobación. Después decoras la casa.

Y honestamente, prefiero una silla barata en casa propia que muebles caros mientras sigues rentando.

Comenta APROBACION si quieres más consejos para compradores en Florida.

Mike Najm
Realtor® & Mortgage Loan Officer

📲 Call/Text/WhatsApp: 321-443-4570
🌐 mikenajmloans.com
📧 [email protected]
🏡 Dalton Wade Real Estate Group
🏦 Loan Factory
📍 Orlando & Central Florida
🎥 YouTube:

Disclaimer: Content is for educational purposes only and should not be considered legal, tax, financial, or mortgage advice. Programs, rates, and guidelines may change.

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06/07/2026

Muchísima gente destruye su crédito sin darse cuenta.
Uno de los hábitos más importantes si quieres comprar casa es tratar de mantener el balance de tus tarjetas de crédito por debajo del 30% cuando sea posible.
Porque cuando una persona:
❌ maximiza tarjetas
❌ vive endeudada
❌ compra emocionalmente
❌ mantiene balances altos
su crédito puede sufrir muchísimo.
Y tu crédito puede afectar tu aprobación, tu tasa, tu pago mensual y tus opciones hipotecarias.
Comenta CREDITO si quieres más consejos financieros para prepararte para comprar casa en Florida.
Mike Najm
Realtor® & Mortgage Loan Officer
📲 Call/Text/WhatsApp: 321-443-4570
🌐 mikenajmloans.com
📧 [email protected]
🏡 Dalton Wade Real Estate Group
🏦 Loan Factory
📍 Orlando & Central Florida
🎥 YouTube:
Disclaimer: Content is for educational purposes only and should not be considered legal, tax, financial, or mortgage advice. Programs, rates, and guidelines may change.
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06/06/2026

Here is something most Airbnb videos never tell you.

The best short-term rental near Disney is not always the fanciest one.

Vacation families usually care more about:
✔️ safety
✔️ convenience
✔️ clean pool
✔️ nearby restaurants
✔️ easy parking
✔️ less stress

Not always marble floors, luxury chandeliers, or the most expensive upgrades.

That is why a simple, well-located, well-managed property near Disney can sometimes outperform a more expensive luxury home.

Airbnb investing is not just excitement. It is strategy.

Comment DISNEY if you want help understanding investment areas near Orlando, Kissimmee, Davenport, or Disney.

Mike Najm
Realtor® & Mortgage Loan Officer

📲 Call/Text/WhatsApp: 321-443-4570
🌐 mikenajmloans.com
📧 [email protected]
🏡 Dalton Wade Real Estate Group
🏦 Loan Factory
📍 Orlando & Central Florida
🎥 YouTube:

Disclaimer: Content is for educational purposes only and should not be considered legal, tax, financial, or mortgage advice. Programs, rates, and guidelines may change.

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Orlando, FL
32837

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Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 10am - 4pm

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