Adam Lofgren - Lofgren Lending Group

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Peoria, IL
Adam Lofgren - Lofgren Lending Group

The mortgage process can be confusing, especially if you're a first-time home buyer. NMLS 1087502

A division of Flat Branch Mortgage, Inc. Equal Housing Lender.

Lucky for you, I can help you cut through the red-tape and develop a solution that will help you walk into a new house. NMLS 224149. For licensing information, go to: nmlsconsumeraccess.org

02/05/2026

Many people think they should find the perfect home first, but it's actually better to apply before you start searching. 🧐🔍

Getting preapproved helps you understand your true budget, which allows you to shop with confidence and avoid falling in love with a home that is outside your price range. It also helps you move faster once you find the right home, since sellers appreciate preapproved buyers who are serious and ready to move forward. ✅

Applying early gives you a smoother, less stressful buying experience. If you are thinking about starting your home search, reach out today! 🏡

02/03/2026

What loan type is right for you? 🏡

Every borrower has unique goals, and the right loan can make a big difference in your homebuying journey. Here are a few options to explore:

🌾 USDA: Great for qualifying areas with low to no down payment.
🎖️ VA: Exclusive to eligible veterans, service members, and surviving spouses with fantastic benefits and no down payment.
🧱 FHA: Designed to help buyers with lower credit scores or smaller down payments.
🏠 Conventional: A strong fit for buyers with solid credit who want flexible terms.

If you're not sure which loan type fits your needs, let’s talk!

For more information on our loan programs, visit here: https://flatbranchhomeloans.com/loan-programs/

01/29/2026

🤔 What is a bridge loan? It’s a short-term loan that helps you cover the gap between purchasing your new home and selling your existing one.

💡 Why consider it? It gives you flexibility so you don’t have to rush your sale or miss out on your dream home.

If timing feels tricky, let’s talk about whether a bridge loan could work for you. I’m here to help make the transition smooth and stress-free!

01/27/2026

Knowing the difference between interest rate and APR can help you make smarter decisions when comparing loans. 🏡💡

Here’s a breakdown:
✅ Interest Rate: The cost of borrowing the principal amount of your loan.
✅ APR (Annual Percentage Rate): Includes the interest rate plus certain fees and costs, giving you a clearer picture of the total cost.

Understanding both helps you compare offers accurately and avoid surprises. Have questions? I’m here to guide you through the details!

01/22/2026

Everyone’s talking about how tough the housing market is, but owning a home might not be as far off as it feels. 🏡💡

With creative loan options, potential down payment assistance, and flexible programs designed for a variety of financial situations, you might be closer to buying a home than you realize.

If you are unsure where to start, let’s talk. Together we can explore your options and build a plan that fits your goals! ✨

01/20/2026

You applied for a home loan. Now what? 🏡

Here are the next steps to keep your mortgage process on track:
🏦 Avoid big financial changes. Hold off on large purchases or opening new credit accounts to keep your approval smooth.
🔍 Review the appraisal. Once the appraisal is completed, we can finalize your loan details and move toward closing day.
📞 Stay in touch. I am here to answer questions, explain timelines, and help keep the process stress free.

I'm here to guide you every step of the way. Reach out to me today!

01/15/2026

💡 Inflation doesn’t just affect groceries, it can impact mortgages too!

✅ Higher inflation often leads to higher interest rates
✅ It can affect your buying power and monthly payment
✅ Planning ahead helps you stay on track

Let’s talk together to navigate today’s market!

01/13/2026

Mortgage rates can feel confusing, but I’ve got you covered! ✅

Rates are influenced by the market, your credit score, and the type of loan you choose. A lower rate can reduce your monthly payments, and timing matters. Locking in at the right moment can save you money!

💬 Want to know what rate you qualify for? Reach out today!

01/08/2026

Thinking about buying a fixer-upper? 🏡 Renovation loans can make it happen!

You can finance both the purchase and the improvements in one loan, which makes it a smart way to add value from day one. It’s perfect if you want to customize your space to truly fit your lifestyle!

Ready to explore your options? Visit our program page here: https://flatbranchhomeloans.com/loan-programs/203k-renovation-loan

01/05/2026

🤔 Ever wonder what your debt-to-income (DTI) ratio means?

As a loan officer, here’s how I explain it:
✅ It’s the percentage of your monthly income that goes toward debt
✅ Lower DTI = more flexibility for your mortgage
✅ Managing your debts wisely can boost your homebuying power

While the National Foundation for Credit Counseling recommends that your debt-to-income ratio should be no more than 36%, there are several loan programs that allow for a higher DTI depending on eligibility. 🙌

💬 Have questions about your DTI? I’m here to help!

Source: https://www.nfcc.org/blog/debt-income-ratio-explained/

01/01/2026

Happy New Year! 🎉

As we step into 2026, I hope this year brings you joy, peace, and new opportunities.

If finding the perfect home is part of your dreams for the year ahead, I’d love to help make that dream a reality. 🏡✨

12/30/2025

Your employment history plays a big role in home loan approval! ✅ Here’s what I typically look for:

📅 Consistency: About 2 years in the same field shows stability.
🔍 Recent job changes: Not a deal breaker, but you’ll need documentation.
💡 Career shifts: Still qualifies, just may need more documentation.

Have questions about your employment history? I’m here to help you navigate the process and get you closer to your dream home!

Address

6015 N Knoxville Avenue
Peoria, IL
61614

Telephone

+13092534177

Website

http://www.lofgrengroup.com/

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