Alan Mayeur - Mortgage Loan Advisor

08/26/2026

Awesome moment of the day!
(Sometimes you just have to humblebrag a little)

A returning client had a few things hit their credit, and their FICO dropped more than expected. For a typical home purchase, that’s not always a huge issue… but for investment/DSCR/non-QM loans, falling below 680 can really limit options and make the pricing a lot less palatable. It can be the difference between a GREAT investment and a questionable one.

Instead of just accepting “this is what we can get,” we focused on what we could fix quickly and what we could prove now because we were already under contract and the timer is ticking. On Friday we gathered the updates and documentation we needed and submitted a rapid rescore with all three bureaus. What's it mean?

✅ In 2 business days, we went from a median 663 to a median 701. That kind of jump can make a real difference:

📌 $3K–$5K less in points
📌 About $100/month less
📌 Moved from limited options around 7.625%+ to our pick of competitive options around 6.75%–6.9%

I’m genuinely love when I get to do work like this and occasionally flex my loan muscle, but helping people find solutions (sometimes to questions they didn’t even know to ask yet) and setting myself apart is one of the best feelings.

Results like this never get old.

08/24/2026

Congrats to all involved and to the new owners with their own little Seaside home to escape to! Huge thank you to Brian, Kurt, and The Florida Legacy Title crew for being so accommodating to keep the buyer happy and helping me get us all to the closing table!

50 Cinnamon Fern Ln is SOLD!

08/06/2026

property.listreports.com/2N_ifHJ2eD/542-wahoo-road-panama-city-beach-fl-32408?premium&v1784331242303

I am lucky enough to see a LOT of beautiful homes. The type of Homes that belong more on HGTV or someone's dream board more than any conversation I'd have expected to be having one day. Occasionally though, I run into something like this that is as much Art as it is Real Estate. Beyond the bespoke design, and the hand curated materials carefully selected + imported to make it one of a kind, you have a magazine ready home over ten years in the making.

Kristin is a local Real Estate Agent, Home Builder (operating with her Husband Anthony at Curole Construction), and Interior Designer that has spent years making her family home a thing dreams are made from. More than ten years of sparing no expense or cutting a single corner with the rationale and mindset that what they were doing was a investment into their families forever home. This is the type of Florida home you usually can't just buy, and in one of Bay County's most desirable neighborhoods.

Knowing both Kristin & Anthony and the pride they have in their home I was shocked when I first heard plans that this was coming and can only Imagine the conversation of "You want to do what?!" that occurred when it first came up. However, knowing the plans for what's next I'm excited to see just what they create together this time.

Regardless of if you're in the market or not; take a look at 542Wahoo.com to admire the detail that went into the making.

House photos, infographics, and listing agent details for 542 Wahoo Road, Panama City Beach, FL 32408. This home is priced at $1,585,000, with 5 beds, 5 baths, and 3,855 sqft.

07/22/2026

Big congrats (and thank you) to Carly and Melanie. Y’all crushed this one.

Carly is still the Off Market Queen of the Gulf Coast 👑🙌 Carly took her clients from “might sell” at the end of June, to earnest money in escrow before the 4th of July, and CTC before Blue Angels weekend.

And Melanie & Kimberly? They moved on the opportunity for their client faster than a $20 big screen on Black Friday. Not only did they find a great investment for her client, they got him into a live STR so quickly I’m pretty sure the guest sheets were still warm from the dryer. 😂

Awesome job from a group of amazing realtors, and huge congratulations to the buyer for finding what he wanted quicker than most couples take to agree on dinner.

Last but not least big thanks to Elizabeth and her team at South Oak for moving so quickly and always being so accommodating!

07/18/2026

Congratulations on your closing Kaitlin Renee Palmer! You went above and beyond for the family that'll call it home.

TLDR: Seller thought "Cash Only deals" and we said "Wanna bet?"

Full Version:
I don't always go into the details, but this was a deal filled with a lot of "let's see" that I really expected to be tough. Kaitlin had a buyer that fell in love with this awesome lake house that had one of those too good to believe price tags. Even the seller did not think the house would traditionally qualify and listed it as a cash price. Once her customers fell in love with the potential, she trusted me enough to Introduce me for my opinion to help her because she knew there was something that could be done, but just not sure what.

After talking with her and her customers comparing options like Fix'n'Flip, FHA Reno, bridge loans, Conventional Reno, specialty rehab loans, and a lot of private lending options and compared all of the cost, benefits, and negatives of each.

Together with the buyers we made the professional determination to proceed with "Hell lets just send it and see what happens" then we just kind of waited for a while till we got paid but it worked so awesome.

Ok, maybe not exactly! 😂

What we actually did was look through a lot of program requirements and compared them what we thought may or may not get flagged as deficient by appraisal. The buyers knowing it would be some work, but wanting the freedom to do it themselves had money to invest but wanted a option to do it at their own pace without hassle so I found a lender that allowed Escrow Holdbacks for certain repairs IF they were flagged by appraisal as needs repair.

What we didn't expect? A passing appraisal! Well, not exactly passing, there were several requirements to close that totaled under $100 the buyer was able to go knock out within hours.

Results? Happy buyers with their own choice to renovate how they want, and on the timeline they want while qualifying for standard Conventional Loan Pricing. A deal we expected to take 45-60 days with a good bit of legwork turned into a breeze. The hardest part? A 3-4 week turnaround time for all surveyors contacted, and an appraisal that needed a survey to be completed for a report to be done.

All of the problems we expected to encounter stopped in their tracks and easily navigated with all of our worry for nothing!

Best Part? As conventional, we got to save their down payment cash for repairs and opted to do a minimum down payment. Instead of spending more now to beat PMI they are able to use that money where it matters and once the repairs are made the home will be able to file for "Forced Appreciation" when the Property value reaches 20% more than the loan balance. We will probably still look into a refi when it's time (so we can see the rate difference between 9% ltv and 75% ltv), but it gives the buyer one of the best the best possible benefits: a choice.

07/09/2026

What's better than a beach house? How about a beach house with strong 6 figure STR projections. Check out the latest West End listing from Paul D. Gibney, Gibney Group - Corcoran Reverie with this impressive home ready for you to make a dream home or your new favorite investment!

https://212georgecwallace.com/
212 George C Wallace Boulevard
Panama City Beach, FL, 32413
5 bd | 6 ba | 2,907 sq ft

06/17/2026

Another feel good deal, CLOSED!
I’m actually pumped to see this buyer getting her keys and be fresh to Florida! USDA had us wondering a closing date, but the buyer had a moving truck and let us know halfway between here she was coming ready or not! lol

Paul D. Gibney, Gibney Group - Corcoran Reverie Listed it, and always awesome to work with such a great partner no matter what side of the listing he's on.

A huge welcome and thank you to a new partner on the buyer side: Mary Elizabeth Scott (Foundation Real Estate) on our first deal together🙌! She brought great energy the whole way through, found the perfect buyer and made her Florida Dream come true.

Lastly, MAJOR credit to Jacob Nye 'The Title Guy' at South Oak PCB who did some serious behind-the-scenes legwork to help us get this wrapped up. USDA is never a quick, but he ABSOLUTLEY picked up the slack and ran it home.

Best part? Zero down, country living vibes: 100% financed USDA 🌾🏡✅

06/15/2026

Congratulations Paul D. Gibney, Gibney Group - Corcoran Reverie and Kurt Fadden on a seamless $1.125m deal! From Application to closed in just over two weeks and a happy investor with an impressively growing portfolio!

Find and book this Thomas Drive home yourself now live on AirBNB!

05/08/2026

🏡 Congrats to the Jones, my awesome first-time homebuyers on closing on their new home in Pensacola!

This one was a journey. We originally started working together back in November and even went under contract on a different house, but major title and encroachment issues ended up completely changing the situation. There were definitely moments where everything felt discouraging and it would’ve been easy to give up.
Thankfully, Rika Edge - Real Estate Agent never stopped fighting for her clients and stayed committed through every obstacle along the way. Because of that, they ended up finding an even better home at an even better deal and officially closed on 04/30. 🙌

Really grateful to have been part of this one. Huge shoutout to Rika for going above and beyond to help make homeownership happen for these buyers. 🏠✨

05/07/2026

Huge congratulations to Carly Kiser Sostheim and her amazing buyers on securing this stunning home in The Cove in Panama City, FL!

This one was special listing from DonandBubba.com as a fully reimagined historic cove home that went under a complete gut renovation and was sold off-market before construction was even finished to a buyer from the Queen of off market deals. 🔥

Welcoming an active duty service member and his wife to our area with a smooth move from Texas to Florida on a VA loan makes this closing even more meaningful. 🇺🇸

Always a pleasure working with and learning from one of the best in the business, Carly continues to set the standard with a leading $40m+ in annual production, and this marks our 3rd successful deal together over the year.

📍 Panama City, FL