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Brian Faeth Mortgage Team

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Brian Faeth Mortgage Team

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Veteran-owned Real Estate & Mortgage team helping you buy, refinance, or invest with confidence.

09/18/2026

A buyer you talked to six months ago who was not ready might have a completely different opportunity today. And the reason is worth understanding.

For years mortgage approvals have relied heavily on traditional credit scoring models. The challenge is that a credit score does not always tell the complete story of someone's financial habits. A person who has been diligently managing their finances, building responsible credit behavior, or who simply has a limited credit history may not have been fully captured by the models lenders have traditionally relied on.

That is changing.

The mortgage industry is expanding the use of newer credit models like VantageScore 4.0. These models are designed to look at a broader picture of someone's credit history and recognize responsible financial behavior that may not have been visible before.

What that means in practice: buyers who have been working to improve their credit, buyers who have limited credit history but strong financial habits, and buyers who simply did not fit the traditional lending model may now have options they did not have six months ago.

For realtors this is a direct reason to go back to your past leads. The opportunity may not be that they need more time. They may just need a new conversation with the right mortgage professional.

And for buyers who were told not yet it is worth having that conversation again.

Reach out and let's take a fresh look at what is possible.

09/08/2026

Happy Labor Day. Hope everyone is getting some well-deserved rest today.

I wanted to take a few minutes to give you a market update and honestly a bit of a mindset reset.

By now everybody has heard that rates are up. Higher than the lows we saw back in March. And I will be straight with you: I expect rates to stay elevated for a bit before we see real relief. That is just the honest read right now.

But here is the good news.

Rates going up does not mean people stop needing to move. It does not mean motivated sellers disappear. What it does mean is that this is exactly the kind of market that separates strong realtor and lender teams from everybody else.

Let's talk real numbers. On a $500,000 loan the difference between a rate in the fives and where we are today comes out to roughly a couple hundred dollars a month in principal and interest. That is a gap you can absolutely close through smart offer structuring, seller credits, rate buydowns, and strong negotiation. And do not forget the old adage: date the rate, marry the house. Rates move up and down. Real estate historically only moves one direction over time.

Here in Broward and Palm Beach counties we are still seeing steady appreciation. Palm Beach single family homes are up roughly 3 percent year over year. Pockets of Broward like Weston and Parkland continue to see modest gains as well.

When you run the math on waiting versus buying now and refinancing later, buying today and adjusting your rate down the road often comes out ahead of sitting on the sidelines.

The headlines make it sound like the market is shut down. It is not. The realtors and lenders who know how to structure and win for their clients are still busy, still closing deals, and still succeeding.

We do not make excuses to fail. We find ways to win in any market. That is the way we do it at Universal Home Lending.

I am Brian. Give me a call anytime. 754-275-1915.

09/07/2026

Happy Labor Day! Rates are up from March lows and may stay elevated a bit longer. But rate moves don't stop life from happening — sellers still sell, buyers still need to move. On a $500K loan, 5s vs today's rate is roughly a couple hundred/month — a gap smart offer structuring can close. Date the rate, marry the house. Broward & Palm Beach are still appreciating. We don't make excuses, we find ways to win. Reach out anytime.

09/04/2026

This week's housing market update is focused on something every buyer and seller is watching: inflation and what the Federal Reserve does next.

Recent economic data continues to show that inflation remains a major factor influencing the Fed's decisions. Policymakers are balancing the goal of keeping inflation under control while supporting a healthy economy. That balancing act is producing uncertainty in the rate environment and that uncertainty is trickling down directly into buyer and seller behavior.

But here is the thing about uncertainty in real estate that most people miss.

For consumers uncertainty feels like a reason to wait. For real estate professionals uncertainty is an opportunity to become the most trusted voice in the room.

Your clients do not need someone who can predict exactly what the Fed will do next or where rates will land in six months. Nobody can do that reliably. What they need is someone who can clearly explain what is happening right now and help them understand what their actual options are in this specific environment.

That is the value you can provide that no algorithm or headline can replace.

This is a great time to reconnect with your database. Check in with past clients who may be watching the news and wondering what it means for them. Educate buyers who have been waiting for the perfect moment that may never arrive exactly as they imagined it.

The agents and lenders who consistently provide real value and help people make informed decisions will be the ones who stay top of mind when opportunities arise. And opportunities are arising right now for buyers who understand how to use the current market.

09/03/2026

Hard money can get you into the deal, but what happens after that?

A lot of investors put all their energy into acquiring the property and never think past the first step. Successful investing isn't just about getting the deal. It's about knowing how to finance it the whole way through. How do you move from short-term financing into something long-term? When does a DSCR loan actually make sense? And how should your strategy shift depending on whether you're flipping, holding, or building a rental portfolio?

That's exactly what we're breaking down at Financing the Deal: A Real Estate Investor's Playbook, a lunch and learn hosted by South Florida Home Ownership Academy at Papa Amigos in Coconut Creek. I'll be joined by Mike Smith and a live panel of investors and realtors for a real conversation about hard money, bridge financing, DSCR loans, permanent financing, and how your exit strategy should shape decisions from day one.

If you're an active investor or a realtor who works with investors, you don't want to miss this. October 15th, 11:30 to 1 at Papa Amigos in Coconut Creek. Reserve your seat now - https://universalhomelendingcorp.com/investor-page

08/27/2026

Last week's inflation report did not move in the direction anyone was hoping for and your clients deserve a clear explanation of what it means.

Here is the full picture.

Rates opened last week higher with the 30-year fixed climbing to 6.72 percent as Treasury yields firmed on stronger economic data. Then Wednesday brought the number everyone was waiting for: the PCE report, the Fed's preferred inflation gauge.

The result was mixed and not in a good way. Headline inflation ticked up to 3.7 percent when 3.6 was expected. Core inflation held at 3.3 percent, right in line with forecast, but still well above the Fed's 2 percent target. Treasury yields moved higher on the news and mortgage rates followed.

Here is the part worth really paying attention to.

The same report showed consumer spending was basically flat in July. Prices are staying sticky but households are pulling back. That combination, inflation not cooling as fast as hoped while consumers grow more cautious, is exactly the kind of mixed signal that makes the Fed's next move harder to predict. And it is why rate forecasts keep shifting week to week.

So what does this mean for your clients?

Nothing changes about the fundamentals. Waiting for a sure thing on rates is not a strategy. Weeks like this prove that nobody can time the market perfectly. The move that actually works is knowing your numbers now so you are ready the moment the right home shows up.

If you have clients trying to make sense of what happened last week send them my way. I am happy to break it down in plain English.

I am Brian with Universal Home Lending.

08/18/2026

If you have been sitting on the sidelines waiting for the right time to buy a home this week's news might be exactly what you have been waiting for.

Two major inflation reports just came out and they are both telling the same story. Consumer prices barely moved in July. Wholesale prices came in basically flat. And that is a bigger deal than most people realize.

Here is why it matters for your mortgage. Inflation is one of the biggest forces that moves the bond market. And the bond market is what drives mortgage rates. Cooler inflation reports take pressure off rates and create a more favorable environment for borrowers.

Now I am not going to tell you rates are about to crash. Jobs data, Federal Reserve decisions, and other economic factors all play a role. But the trend is finally moving in the right direction and that matters.

Here is what I really want you to hear. If you stepped away from the market six months to a year ago whatever the numbers looked like back then they are outdated. Your payment picture today could look meaningfully different from what you saw when you walked away.

Do not wait for a headline to tell you it is time to reach out. Reach out today and let me show you what is actually possible right now.

Call me and we will go over everything together.

I am Brian with Universal Home Lending.

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