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.

Labor Day is supposed to celebrate work… but what is all that work building for you? Meaning, how could we better levera...
09/07/2026

Labor Day is supposed to celebrate work… but what is all that work building for you?

Meaning, how could we better leverage every earned dollar where if used strategically… could actually replace the earned income required today?

For some, buying a primary residence is where roots are settled and equity is grown.

For our clients, we teach them how to leverage their appreciating asset for additional cashflow, tax advantages, and as a hedge against rising inflation.

Your paycheck is more than income. It’s one of the resources you have to build the life and financial future you want.

And sometimes the opportunity isn’t earning more.

It’s making a better decision with what you’ve already built by choosing the right advisor to help guide the way.

When buyers compare mortgage options, the conversation usually starts with the rate. It shouldn’t end there.Even a seemi...
09/04/2026

When buyers compare mortgage options, the conversation usually starts with the rate. It shouldn’t end there.

Even a seemingly small difference can affect monthly principal and interest and the total interest paid over time. That’s why I like to look at the full home loan strategy, not just one number on a quote.

The right question is not simply, “What rate can I get?” It’s also, “How does this option fit my cash flow, timeline, and plans for the home?”

Every situation is different. If you’re trying to make sense of your options, I’m happy to help you look at the numbers and understand the trade-offs before you decide.

Attorneys are experts in structuring the legal outcome.But real property decisions require more than legal precision—the...
09/03/2026

Attorneys are experts in structuring the legal outcome.
But real property decisions require more than legal precision—they require financial feasibility.

Many divorce agreements include housing terms that seem reasonable…
but don’t account for post-divorce income, debt, or lending guidelines—leading to breakdowns after the decree.

These are the financial blind spots.

As a CDLP®, I work alongside attorneys to help:

Validate whether a refinance is actually achievable
Align settlement language with lending requirements
Ensure long-term housing stability for your client

If real estate is part of your cases, this article highlights where things often go wrong—and how to avoid it: https://bit.ly/41mKzaj

September is a good time for a debt strategy conversation because holiday spending has not fully arrived yet.I see this ...
09/02/2026

September is a good time for a debt strategy conversation because holiday spending has not fully arrived yet.

I see this come up with homeowners who have built equity but are also carrying credit card debt, home repair expenses, medical bills, or back-to-school costs.

Their current lender may suggest a cash-out refinance.

That can be a valid option in the right situation… But if that lender doesn’t offer a HELOC or home equity loan, the recommendation may be limited to the products they have available.

That’s why the comparison matters.

Here’s the key difference: A cash-out refinance will replace the entire first mortgage (and that rate). A HELOC or home equity loan on the other hand… allow an access to equity while keeping the current first mortgage in place (save the low rate).

Neither option is automatically better.

The right strategy depends on your current mortgage, debt amount, monthly cash flow, loan costs, repayment plan, and long-term goals.

So, before you are lead to believe your only option is the one your current lender offers, it may be worth having a strategy conversation.

📲 DMs are always open.

A client tells you she just needs to keep the house. It usually arrives before the intake is even finished, and it sound...
09/01/2026

A client tells you she just needs to keep the house. It usually arrives before the intake is even finished, and it sounds like a clear instruction rather than a question.

The Divorce Lending Association's September briefing argues that it is the wrong question, and I think the argument is right.

Not because keeping the home is a bad outcome. Because "how do I keep the house" has a binary answer, and a yes gets recorded as a win. The briefing's point is that yes is not one answer. It is at least three:

Yes, you qualify. That is not the same as yes, you can carry it. Yes, you can keep it. Here is what keeping it costs. Yes, and here is what the same dollars would have done instead.

In my experience only the first one gets tested before signing. The other two show up in year two.

The better question the piece proposes is forward-facing: how does this house fit into the life I am about to live? That one does not resolve to a yes or a no. It resolves to a design, and it opens four inquiries that determine whether a settlement holds.

Worth reading if you have housing questions open on a current file. It also covers how to raise the reframe in the room without it sounding like a refusal.

https://divorcebriefings.com/4yedAmL

If you have a file where the housing question is still open, I would rather look at it now than after the decree is entered.

Medical professionals can have unique financial circumstances, from student loan debt to employment contracts that begin...
08/31/2026

Medical professionals can have unique financial circumstances, from student loan debt to employment contracts that begin after closing.

Depending on the situation, certain mortgage options may offer features such as high financing limits, no monthly mortgage insurance, larger loan amounts, and flexibility around future employment.

The right fit depends on your full financial picture, not just your profession.

If you’re a physician, dentist, or other qualified medical professional and want a clearer picture of what may be available, I’m happy to walk through the options with you.

In many divorce cases, the marital home is the largest asset on the balance sheet, but its value is often one of the mos...
08/29/2026

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 clean-looking kitchen is not always a clean kitchen.Sponges, cutting boards, phones, towels, and reusable bottles can ...
08/28/2026

A clean-looking kitchen is not always a clean kitchen.

Sponges, cutting boards, phones, towels, and reusable bottles can collect more bacteria than most of us realize.

A few simple habits, like replacing sponges regularly, washing bottles thoroughly, and wiping down high-touch surfaces, can make a meaningful difference.

Homeownership comes with a lot of little responsibilities that no one talks about at closing. This is one of them.

A Mortgage Advisor also means helping families become more successful homeowners long after the paperwork is signed. Sometimes that means talking about financing.

Sometimes it means sharing a reminder that helps you take better care of the place you worked hard to call home.

Equitable division starts with accurate valuations. Divorce housing decisions demand specialized expertise.In divorce, r...
08/27/2026

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



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Overland Park, KS
66207

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