Audra McMahon - The A-Team

Audra McMahon - The A-Team We offer hundreds of loan products for a wide variety of borrowers, first-time homebuyers, military families and rural residents.

With The A-Team, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

Big housing bill headlines are everywhere. Here’s the simple version. ✅Congress passed the 21st Century ROAD to Housing ...
06/08/2026

Big housing bill headlines are everywhere. Here’s the simple version. ✅

Congress passed the 21st Century ROAD to Housing Act in the House on May 20, 2026. Before it changes anything, it still has to clear the final steps and then get implemented.

What it does not do:
🚫 It does not lower rates, drop prices, or instantly add a bunch of homes to the market.

What buyers should watch instead:
1. FHA updates for manufactured homes
2. A path that can help fund ADU projects
3. Possible changes that could make mortgages under $100K easier to get over time

If you’re buying this summer, your biggest drivers are still your credit, down payment plan, debt-to-income, and when you lock.

In divorce cases involving real property, I often see decisions driven by emotional attachment, anchoring to unrealistic...
06/06/2026

In divorce cases involving real property, I often see decisions driven by emotional attachment, anchoring to unrealistic numbers, or assumptions about future financing.

The reality is this: If the numbers don’t work in practice, the settlement doesn’t work in real life.

Financial biases, like loss aversion or anchoring to early settlement numbers, can significantly influence negotiations and long-term outcomes. Bringing objective financial analysis into the process helps ensure decisions are based on data, not assumptions.

If real property is part of the settlement, determining value and feasibility early can make the difference between a workable agreement and future restructuring.

Read the article here:
https://www.divorcelendingassociation.com/blog/financial-biases-in-divorce-strategies-for-divorce-financial-planning.cfm

If you’re an attorney, mediator, or financial professional and want to incorporate mortgage feasibility and valuation strategy into your cases, I’m always happy to collaborate.

06/05/2026

Okay, let’s settle this Friday debate:

Which TWO would you choose?

No overthinking.
Just drop the numbers in the comments below.👇

I love questions like this because everyone’s answer is different depending on what matters most right now.

Where do divorce settlements go wrong?Not in the courtroom—In the blind spots.Real property decisions are often made bas...
06/04/2026

Where do divorce settlements go wrong?

Not in the courtroom—
In the blind spots.

Real property decisions are often made based on assumptions:

“They’ll refinance later”
“The income will qualify”
“The structure works”

But without validating those assumptions against lending reality, many agreements become unworkable after they’re signed.

This creates unnecessary risk—for both the client and the professionals involved.

A CDLP® brings financial clarity into the process before decisions are finalized—so the outcome is not just agreed upon, but executable.

If you’re advising clients on real estate in divorce, this is a critical perspective: https://bit.ly/41mKzaj

Most people think the mortgage process starts with an application and ends at closing.At NEO, we see it differently.Befo...
06/03/2026

Most people think the mortgage process starts with an application and ends at closing.

At NEO, we see it differently.

Before you write an offer, we help you understand your goals, your options, and the strategy behind the numbers.

During the transaction, we focus on communication, clarity, and ex*****on so you are not left guessing what happens next.

After closing, we stay connected because becoming a homeowner is not the finish line. It is the beginning of a much bigger financial journey.

That is the difference between getting a loan and having a mortgage strategy.

If you are thinking about buying, moving, refinancing, or using your home equity more intentionally, the first step is not a quote. It is a conversation.

We’re ready when you are. ✅

In many divorce cases, the marital home is the largest asset on the balance sheet, but its value is often one of the mos...
06/02/2026

In many divorce cases, the marital home is the largest asset on the balance sheet, but its value is often one of the most misunderstood figures in the entire settlement.

The valuation assigned to real property directly affects:
• Equity distribution between parties
• Buyout calculations
• Support negotiations
• The feasibility of one spouse retaining the home

Using an inaccurate or unsupported value can create downstream problems, disputes between parties, settlement delays, or housing outcomes that are difficult to implement.

It’s also important to recognize that not all valuation methods serve the same purpose. Online estimates, comparative market analyses, and formal appraisals each have different levels of reliability and different roles within the divorce process. Selecting the appropriate valuation method is essential to building a defensible agreement.

As a Certified Divorce Lending Professional (CDLP®), I often work with divorce teams to connect the valuation of the property to the practical realities of financing, equity access, and settlement implementation. Accurate numbers are not just helpful, they are foundational to durable, enforceable agreements.

If you work with cases involving real property and would like to better understand how valuation and mortgage feasibility intersect, feel free to reach out or connect. I’m always glad to be a resource.


A new month is a great time to check in on more than your calendar.If you own a home, June is a smart month to look at t...
06/01/2026

A new month is a great time to check in on more than your calendar.

If you own a home, June is a smart month to look at the small things that can protect your home, your budget, and your long-term financial goals.

Start simple:

✅ Review your maintenance needs.
✅ Check your insurance coverage.
✅ Look at your monthly housing costs.
✅ Update your home documents.
✅ Revisit your equity and future real estate goals.

Because becoming a homeowner is not just about getting the keys.

It is about learning how to manage, protect, and grow one of the most important assets in your life.

At NEO, our goal is to help clients become successful homeowners, not just closed borrowers.

Equitable division starts with accurate valuations. Divorce housing decisions demand specialized expertise.In divorce, r...
05/30/2026

Equitable division starts with accurate valuations. Divorce housing decisions demand specialized expertise.

In divorce, real property valuation is often treated as a stand-alone issue. In practice, valuation, financing, and settlement language are inseparable.

As a Certified Divorce Lending Professional (CDLP®), I work alongside family law attorneys and mediators to ensure that proposed property divisions and equity buyouts align with appraisal standards, lender requirements, and underwriting realities, not just negotiated assumptions.

When CMAs are relied upon in place of formal appraisals, or when lender-mandated valuations are not accounted for, otherwise equitable settlements can become impracticable post-decree. Early mortgage feasibility analysis helps identify these risks before agreements are finalized.

Integrating mortgage planning into the divorce process provides attorneys with greater certainty, protects clients from unexpected outcomes, and supports settlement terms that can be successfully executed.

Read the full article here: https://bit.ly/4tgc8yM



If you need access to cash quickly, a 401(k) withdrawal might seem like the easiest move… but for homeowners… is this yo...
05/29/2026

If you need access to cash quickly, a 401(k) withdrawal might seem like the easiest move… but for homeowners… is this your most cost effective option? 🤔

Taxes, penalties, and lost retirement growth can make that short-term fix much more expensive over time.

That’s why it can be helpful to compare the full picture using DATA, including whether a home equity loan or HELOC may be worth exploring, too.

In today’s post, we break down:
• what a 401(k) hardship withdrawal can really cost
• how home equity options work
• when home equity may make sense, and when it may not

So - before you tap your 401(k), compare the real cost with your local NEO mortgage expert (visit NEOHomeLoans.com to find yours).

We help homeowners compare the total cost so they can make more informed, and confident decisions for THEM!

*Educational content only. Loan options, qualification, terms, and timelines vary.

In divorce, good intentions don’t make settlement terms feasible.When I’m brought into a case as a Certified Divorce Len...
05/28/2026

In divorce, good intentions don’t make settlement terms feasible.

When I’m brought into a case as a Certified Divorce Lending Professional (CDLP®), my focus is straightforward: Can the settlement terms actually be executed within current lending guidelines?

Mortgage risk in divorce often appears when agreements rely on income structures, debt allocations, real property transfers, or refinancing timelines that don’t align with mortgage requirements. These are not fraud issues at the drafting stage, they are feasibility issues.

When feasibility isn’t validated before the decree, clients are often forced into post-divorce corrections, delays, or compliance challenges simply to meet the terms of the agreement.

My role is not to renegotiate the settlement. It’s to confirm mortgage feasibility before it’s finalized, so the agreement reflects what is financeable, not what is assumed.

If a settlement includes real property, confirming mortgage feasibility should be part of the standard of care. Connect with me early to ensure those terms are executable.

Address

PO Box 11463
Overland Park, KS
66207

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Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+18165076941

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