David Mulkey, Mortgage VP NMLS 459864

09/11/2026

🍎🍯 Wishing you a sweet and joyful Rosh Hashanah! May the new year bring peace, happiness, and new beginnings for you and your loved ones. Shanah Tovah! ✨

09/11/2026

We will never forget the lives lost, the families forever impacted, and the bravery shown on September 11, 2001.

09/10/2026

Don’t get them confused! 🏡 A home inspection looks at the condition of the property, while an appraisal helps determine its value. Different purposes, but both play an important role in the mortgage process.

Have questions about what comes next? Let's help you understand each step.

09/08/2026

Purchase applications rose 2% last week, and more buyers are exploring adjustable-rate options. The fixed year loan is the default, not the only answer. If you're not planning to stay 30 years, it's worth asking whether a different structure fits better. Want to compare?

09/07/2026

Happy Labor Day! Today, we celebrate the hard work, dedication, and perseverance that turn the dream of homeownership into a reality. We hope you enjoy a truly wonderful and well-deserved day of rest, relaxation, and quality time in the place that matters most—your home. 🎉

09/01/2026

📊 MARKET PERSPECTIVE: Gen Z Is Entering the Housing Market

The next generation of homebuyers isn’t waiting on the sidelines. Gen Z is becoming a growing force in today’s housing market, with younger buyers representing an increasing share of purchase activity.

And they’re finding creative ways to make homeownership work. From personal savings and family assistance to non-savings sources, today’s buyers are using multiple strategies to put together their down payment.

At the same time, buyers are navigating higher rates, more inventory and a little more negotiating room than we’ve seen in recent years.

🏡 The takeaway? There isn’t one “right” path to homeownership. Understanding your financing options can make all the difference.

Check out this month’s Market Perspective for a closer look at what today’s numbers are telling us.

09/01/2026

Do you know your debt-to-income (DTI) ratio? 🤔🏡 Your DTI helps lenders understand how your monthly debt compares to your income. A lower ratio may give you more financial flexibility when purchasing a home. 📊

Ready to find out? Let's chat! 💻

08/31/2026

🏡 More homes on the market could mean more room to negotiate.

Active inventory recently reached about 1.5 million homes, its highest level since May, while pending sales have slowed. That combination is giving some buyers more leverage than they’ve had in recent years.

If a home has been sitting on the market, buyers may have an opportunity to negotiate more than just the purchase price. Seller-paid closing costs, repairs, or a mortgage rate buydown could all potentially be part of the conversation.

The list price is the starting point. The right strategy could help you negotiate the deal—not just the house.

08/30/2026

08/30/2026

5.0 star review received on Experience.com for David Mulkey by Lane F - David and his team are professional and knowledgeable. Communication was excellent.
Responded quickly and was extremely helpful throughout the entire process. They have a lot of options as well. I highly recommend David and his team!

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