Team Deckert Homestead Financial Mortgage, Cari Deckert NMLS# 1198254

07/04/2026

🇺🇸 Happy 4th of July! Enjoy all of the Independence Day festivities. Happy 250th birthday, America! ❤️🤍💙

06/10/2026

Should you buy now or wait for rates to drop? Learn how rising home prices can outweigh lower mortgage rates over time.

04/03/2026

My Team is ready to help! Purchase or Refinance! Happy Easter 🐣.

My link to apply https://homesteadfinancial.com/apply/?nmls=1198254

02/06/2026

Another happy homeowner. 38 years in the mortgage industry and helping homebuyer always makes me smile 😃

01/28/2026

🧾 The cost of waiting: From 2019 to 2025, home prices went up, rent got paid, and waiting to buy a home got expensive.

Across the KC Metro Area, renters paid tens of thousands in rent while missing out on six years of home appreciation.

💸 The receipt says it all:
- Higher home prices
- Years of rent paid to a landlord
- Real money left on the table

But hey… at least no one panic-bought. 😵‍💫

Thinking about buying “someday”?
Let’s talk before the next receipt gets higher. 🏡📊

01/07/2026

Trump says he will seek to ban institutional investors from buying single-family homes.

See article linked in comments ⬇️⬇️⬇️

11/11/2025

Thank you for your service. We are grateful!

Today, we pause to honor the brave men and women who have served our country with courage and dedication. Your sacrifices have safeguarded our freedoms and made it possible for us to pursue our dreams. 🇺🇸

From all of us at Homestead Financial Mortgage, thank you for your service and commitment. We’re proud to help Veterans and military families achieve the comfort and security of home. ❤️🏠

11/08/2025

Great news for homebuyers! 🎉

Starting November 16, 2025, Fannie Mae will remove the 620 minimum credit score requirement for Conventional loans submitted through their Desktop Underwriter (DU) system.
What does this mean for you?
• More opportunities: Borrowers who previously had a credit score just under 620, but otherwise had acceptable income, assets, and a debt profile, may now be eligible for Conventional loans.
• Fairer evaluations: The DU system will consider your entire credit profile, not just your score.
• Better options: You may now qualify for Conventional financing instead of being limited to FHA loans—often with simpler terms and easier PMI removal.
Things to keep in mind
• Even though the score minimum is gone, other factors like income, DTI, down payment, assets, and property eligibility still matter.
• If your credit isn’t perfect, you might still see higher rates or PMI—but now you have a real chance to qualify.
• Some homes don’t meet FHA guidelines, but Conventional loans can be more flexible, opening more doors to your dream home.
If you have questions about how this change might affect your ability to qualify, please reach out. I am happy to help.

11/05/2025

Life in Real Estate

With 38 years in the mortgage industry, only the dedicated and workaholics survive. Married now for 34 years my Husband is used to me just disappearing at dinner, or an event etc. I really wouldn’t change a thing. I love serving my clients. And it is so fun to have clients return time and time again.

QUOTE FROM Jayson,

“Most of us in this industry didn’t exactly choose real estate; it chose us. It requires juggling ten things at once, answering calls at all hours, and pivoting from family time to full-on business mode in an instant. Not many people can manage it, and even fewer have spouses who can tolerate it. For those of us who do, lucky us.”

Jayson Hardie
Managing Partner
Homestead Financial Mortgage

Professionalism is not just about a dress code. It is about being there when people need us most even in our 'off' hours.

11/01/2025

🏚️👻 JUST LISTED! Spacious haunted house, located in a quiet neighborhood at the back of the ol' town cemetery. Tons of character in this house – literally full of ghostly characters.

✨ Original features throughout - creaking floors, flickering lights, doors that open themselves
✨ Historic charm – continuously haunted since 1842
✨ Great bones – seriously, so many bones
✨ Spacious basement (don't go down there)

Being sold AS-IS. All spirits, ghouls, poltergeists, demons and mediums will convey.

Happy Halloween from your friends at Stroud & Associates! 🎃 While this spooky listing might not be real, our commitment to finding you the PERFECT home (ghost-free guaranteed) definitely is!