Todd Lakey, LO, My City Lending

06/01/2026

Got questions?

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.
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05/27/2026

House Hacking is one of the most powerful ways to jumpstart your real estate empire. By purchasing a 2–4 unit property as your primary residence, you can use the rental income from the other units to help you qualify for the loan.

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.

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05/25/2026

If you're self-employed or have non-traditional income, a Non-QM Loan could be your solution. I help people like you get approved for mortgages without the usual requirements.

Let’s explore how Non-QM loans work and get you the right solution for your situation.

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.

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05/22/2026

Your DTI ratio plays a significant role in your mortgage approval. Understanding it and keeping it low can improve your chances of getting the loan terms you want.

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.

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05/21/2026

🚨 NEW LISTING IN OUR OFFICE❗️

Did you know COUNTRY CLASSIC REAL ESTATE serves NEW JERSEY?

Call Terry Abramson at 570-242-6146

Move-in ready Gem with mountain views! Stunning 3-bedroom.2.5 Bath townhouse in Panther Valley. Features include brand new carpet, spotless interior, and a layout designed for comfort, Enjoy the best view in the valley right from your balcony. offers a Large cozy living room for gatherings or separate lower-level family room to enjoy some privacy. Modern Kitchen with formal dining room host gatherings. Granite counters, stainless appliances and newer floors are just a few upgrades. Layout is designed for comfort. Living here means enjoying gated community with amenities like pools and tennis. This one won't last- updated, no projects needed and ready for you today!

05/20/2026

If you’re self-employed or have non-traditional income, getting a traditional mortgage might be tricky.

That’s where Non-QM Loans come in, offering flexible income verification and alternative documentation.

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.

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05/18/2026

Think you can’t buy a home because your credit isn’t perfect? Think again.

With an FHA Loan, you can purchase a home with as little as 3.5% down and it’s designed for people just like you: first-time buyers or those working to improve their credit.

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.

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05/15/2026

An FHA Loan could be the perfect option for first-time buyers, especially if you're working with a lower credit score or limited savings.

With a down payment of just 3.5%, it makes homeownership achievable for more buyers.

DM For Personal Guidance Today!

Disclaimer: Novus Home Mortgage, a division of Ixonia Bank, NMLS 297948, Member FDIC, Equal Housing Lender. This is not a commitment to lend.All loans are subject to credit approval as well as program requirements and guidelines. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency.

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05/14/2026