Mike Brustad NMLS #455554

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Mike Brustad NMLS #455554 Mike Brustad NMLS #455554
Loan Consultant

10/15/2026

Beware of the maxed-out credit card monster. High credit card balances could increase your credit utilization, which may affect your credit score, and ultimately, your mortgage qualification.

When you’re approaching closing, watch your spending and avoid giving this homebuying horror anything else to feed on.
https://myoc.io/jasfIiVLilY/m2dOr



NMLS # 455554

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest ...
10/14/2026

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest and declined in the Northeast compared to August. All four regions showed a year-over-year decline in sales, but many buyers are still entering contracts and available inventory is up to 1.60 million homes.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/jasfIiVLilY/rf84K



NMLS # 455554

10/12/2026

Ready for your mortgage vocabulary lesson of the day? A loan estimate helps break down the important details about your financing options so you have everything in one organized place.

Learn more must-know mortgage lingo in our guide or reach out to talk through the details.
https://myoc.io/jasfIiVLilY/lB80V



NMLS # 455554

10/08/2026

When buying a home, knowledge is power. If you know the numbers, you can set yourself up for success from day one. That’s where a pre-approval comes in, giving you the direction you need to house-hunt with confidence.

I’m here to help you explore your options whenever you’re ready to take the first steps toward homeownership.
https://myoc.io/jasfIiVLilY/SmStT



NMLS # 455554

10/06/2026

Your growing home wish list may be trying to tell you something. If home improvements are becoming part of your plan, your home equity may be able to help you fund those projects.

Let’s talk through your goals and the financing options worth exploring, like a Home Equity Line of Credit (HELOC).
https://myoc.io/jasfIiVLilY/BveyV



NMLS # 455554

10/05/2026

Running multiple businesses, or juggling income that shifts by the month or the client? Standard income documentation doesn't always fit that. For eligible business owners, a current 12-month profit and loss statement (P&L) may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's talk about your situation.
https://myoc.io/jasfIiVLilY



NMLS # 455554

10/01/2026

Buying a home isn’t one-size-fits-all. The truth is, the perfect time to buy looks different for everyone. Instead of trying to time the market, talk to me so we can start with your personal goals and financial outlook.

I can help you evaluate your situation against the market to find the timing that makes the most sense for you.
https://myoc.io/jasfIiVLilY/y2bOf



NMLS # 455554

09/30/2026

You may be able to buy a home sooner than you think. Putting 20% down isn’t a hard and fast rule. In fact, PMI (Private Mortgage Insurance) is one of the best ways to balance the scales and help you qualify for funding when you have a lower down payment.

Ready to learn more mortgage lingo?
https://myoc.io/jasfIiVLilY/hI7sH



NMLS # 455554

09/28/2026

Your down payment is only one piece of the puzzle. Closing costs are a separate expense, and understanding them early can help make your homebuying journey go more smoothly. Find out what else you should know before buying a home.
https://myoc.io/jasfIiVLilY/fwvOH



NMLS # 455554

09/24/2026

What do you look for in a home? Is it peace and quiet, stability, flexibility or affordability? Depending on the answer, you may share another generation’s mindset and house-hunting process. Answer a few questions and tally up your results to see which generation you align with. Your match may surprise you!

Tag your friends in the comments so they can take the quiz too.
https://myoc.io/jasfIiVLilY/FAi0a



NMLS # 455554

Address

320 W Cervantes Street
Pensacola, FL
32501

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