Reagan Wichman - BKC Mortgage, LLC

11/04/2026

VA LOANS: One of the best homebuying benefits available!

If you've earned your VA home loan benefit, you may be able to purchase a home with ZERO down payment, NO monthly mortgage insurance, and a competitive interest rate.

That's a pretty powerful combination!

Yes, renting might cost less each month than owning. But when you own a home, part of your mortgage payment goes toward paying down YOUR loan and building equity.

I'm not saying buying is always the better option. I'm saying that if you've earned this benefit, it's worth looking at the numbers before assuming homeownership is out of reach.

Have questions about VA loans or what buying a home could look like for you? Give me a call. I'm happy to help!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/31/2026

JUST BOUGHT A HOUSE? BE CAREFUL WHAT SHOWS UP IN YOUR MAIL!

One of my clients recently received a letter promising to save him $40,000 to $100,000 in mortgage interest by making extra payments.

The letter included his lender's name, so he thought it was coming from his mortgage company.

But the fine print says the company sending it isn't affiliated with his lender.

Quick clarification: In the video, I accidentally pointed to the QR code area when referencing the lender's name. The lender's name is printed elsewhere on the letter.

Here's what homeowners need to understand.

Making extra principal payments can absolutely save you thousands of dollars in interest. But you don't need a third party company to do that.

Before signing up for any mortgage payment program, find out who's actually sending the offer, whether there are fees, and how your payments will be handled.

And if you ever receive something like this and aren't sure what to make of it, give me a call. I'm happy to help, even after closing!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/27/2026

Think you need to be at your job for 2 years before you can buy a house?

Think again!

This is one of those mortgage myths that keeps people on the sidelines when they might actually be ready to buy.

Here's what matters. Lenders generally want to understand your employment and income history, but that doesn't mean you have to work for the same employer for 2 years.

Changed jobs recently? Started a new position? You might still qualify!

The type of income you earn, your work history, and the loan program all play a role.

Before you put your homebuying plans on hold because you recently changed jobs, let's have a conversation.

You might have more options than you think!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/24/2026

10/24/2026

Reuben trying to herd his friends at the dog park.

10/24/2026

Wait a minute... I thought I had a FIXED mortgage rate. Why did my payment go up?

This is something that catches a lot of homeowners by surprise!

With a 30 year fixed mortgage, your interest rate and principal and interest payment stay the same.

But your total monthly mortgage payment can still change.

Why? Property taxes and homeowners insurance.

If those costs increase, the amount collected through your escrow account can increase too. And that means a higher monthly payment, even though your mortgage rate hasn't changed.

It's an important distinction that every homeowner should understand.

Have questions about your mortgage payment or how escrow works? I'm always happy to help!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/23/2026

Getting the keys to your new home is exciting. Having money left in your bank account afterward is pretty exciting, too!

One thing I always encourage homebuyers to think about is how much money they'll have left AFTER closing.

Between your down payment, closing costs, moving expenses, and all the little things that come with owning a home, the expenses can add up quickly.

And let's face it, houses have a funny way of needing something fixed right after you move in!

The goal isn't just to get you into a home. It's to make sure you're financially comfortable once you're there.

If you're thinking about buying, let's put together a plan that makes sense for your budget and your goals.

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/22/2026

Could paying off your credit cards actually make it HARDER to buy a house?

Sounds crazy, right?

Paying down debt can improve your credit score and lower your monthly payments. Both are good things when qualifying for a mortgage.

But what if paying off those cards leaves you without enough money for your down payment and closing costs?

Sometimes having cash available is just as important as reducing your debt.

Before you use your savings to pay off credit cards, let's look at the numbers and figure out what makes the most sense for your situation.

A little planning now could make a big difference when you're ready to buy!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/21/2026

What's scarier than a haunted house? Not knowing how much house you can afford!

One of the numbers mortgage lenders look at is your debt to income ratio, also known as DTI.

But how do you actually calculate it?

It's simpler than you might think! This graphic breaks it down using real numbers so you can see exactly how it works.

And here's something important. Having a higher DTI doesn't automatically mean you can't qualify for a mortgage. Different loan programs have different guidelines.

Curious what your DTI looks like and how much home you might qualify for? Send me a message. I'm happy to help!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698

10/20/2026

Think mortgage rates are all about what the Federal Reserve does? Think again!

There are 5 major factors influencing mortgage rates right now, and some of them might surprise you.

We're talking about everything from inflation and government borrowing to artificial intelligence and what's happening overseas.

In this video, I break down what's affecting mortgage rates and why these things matter if you're thinking about buying a home.

No crystal ball. No predictions. Just a better understanding of what's happening behind the scenes.

Have questions about mortgage rates or your homebuying options? Send me a message!

Reagan Wichman | NMLS #1277057
BKC Mortgage | NMLS #2397698