Nate Hoffman

06/16/2026

5 stars hit different when the client felt the strategy behind the file.

At the PHX Branch of The Money Store , the goal is not just “get it closed.”

It’s making sure clients understand the move, trust the process, and feel like someone is actually guiding the deal from start to finish.

These reviews say exactly what we want every borrower to feel:

Locked in.
Informed.
Protected.
Confident.

Buying, refinancing, restructuring debt, or finding a better path through a complicated loan scenario — that’s where strategy matters.

Big thanks to our clients for trusting Nate Hoffman Nate Hoffman and the PHX Branch team with the work behind the scenes.

Disclosures: Testimonials may not represent the experience of all clients and are not a guarantee of future results. This is not a commitment to lend. All loans are subject to credit approval, program guidelines, property approval, and borrower qualification. Equal Housing Lender. Nate Hoffman NMLS #2088452 | MLD Mortgage Inc. dba The Money Store NMLS # 1019

06/16/2026

5.0 star review received on Experience.com for Nate Hoffman by Chantelle M - Very personable

Click to see all 12 reviews of Nate Hoffman, Mortgage Loan Originator | NMLS ID # 2088452

06/08/2026

Scrolling past this won’t make rates drop.

The Phoenix market is nuanced right now and most of what you’re reading online is either too optimistic or too doom-and-gloom.

Here’s what’s actually true:
→ Inventory is up (good for buyers)
→ Seller concessions are back (great for buyers)
→ Rates are volatile but navigable
Swipe through slides 3 & 4. They’ll hit different.

DM us ‘MARKET’ for a personalized PHX market breakdown.

06/04/2026

5.0 star review received on Experience.com for Nate Hoffman by Hernan H - Working with Nate Hoffman at The Money Store made the entire home loan process an absolute breeze. From day one, he was incredibly professional, responsive, and clear about every step of the process. Nate took the time to answer all my questions and ensure everything moved forward without a hitch. If you want a mortgage loan originator who genuinely cares and gets things done efficiently, I highly recommend Nate!

Click to see all 12 reviews of Nate Hoffman, Mortgage Loan Originator | NMLS ID # 2088452

06/03/2026

5.0 star review received on Experience.com for Nate Hoffman by Harrison M - Working with The Money Store team was a great experience from start to finish. They were knowledgeable, responsive, and made the entire home-buying process smooth and stress-free. They kept me informed every step of the way and were always available to answer questions. I highly recommend them to anyone looking for a professional and reliable lending team.

Click to see all 11 reviews of Nate Hoffman, Mortgage Loan Originator | NMLS ID # 2088452

05/28/2026

The appraisal came in low.

Here's what I actually do about it — and what most lenders don't.

A low appraisal is not a death sentence. It's a starting point.

Step 1: Review the report immediately
I look at every comp the appraiser used. Are they truly comparable?

Step 2: Find better comps they missed
Appraisers work fast. They're not infallible. I've found sales they missed that supported the full contract price.

Step 3: Submit a formal rebuttal
If the comps support a higher value, I submit with documentation. Appraisers can and do revise.

Step 4: If the value holds — options:
• Seller reduces to appraised value
• Buyer bridges the gap
• Split the difference
• Walk away if contingency is in place

I've saved deals with appraisal rebuttals that other lenders would've accepted as final.

Agents — when your deal hits a low appraisal, your first call should be to your LO.

I fight for every number. 📌

📌 Nate Hoffman | NMLS # 2088452 | The Money Store NMLS # 1019 | Licensed MLO | Equal Housing Lender 🏠 | Not financial advice. Contact me for a personalized quote. nmlsconsumeraccess.org

Source: Fannie Mae Selling Guide B4-1 (Appraisal Requirements) | CFPB Appraisal Independence Requirements | USPAP Guidelines | Original Professional Practice

05/27/2026

DTI explained.

This number controls everything about what you qualify for.

DTI = Debt-to-Income ratio.
Formula: All monthly minimum debt payments ÷ Gross monthly income

Example:
• Gross income: $7,500/month
• Car: $400 | Student loan: $250 | Credit card min: $75
• Proposed mortgage (PITI): $1,900
• Total: $2,625 ÷ $7,500 = 35% ✅

Guidelines:
• Conventional: prefer under 45%
• FHA: up to 57% in some cases
• VA: no hard cap, prefer under 41%
• DSCR: uses rental income, not personal DTI

Two ways to lower your DTI:
1. Pay off debt (immediate impact)
2. Increase your income

Your DTI determines HOW MUCH home you qualify for — more than almost any other factor.

Before you pick a price range, know your DTI.

DM me yours and I'll tell you exactly where you stand. 📲

📌 Nate Hoffman | NMLS # 2088452 | The Money Store NMLS # 1019 | Licensed MLO | Equal Housing Lender 🏠 | Not financial advice. Contact me for a personalized quote. nmlsconsumeraccess.org

Source: Fannie Mae Selling Guide B3-6 (DTI Ratios) | FHA Handbook 4000.1 | VA Lenders Handbook Chapter 4 | CFPB DTI Calculator

05/26/2026

Nobody tells first-time buyers what closing costs actually are.

I'm going to.

Closing costs are typically 2–5% of the loan amount. On a $350,000 home — that's $7,000 to $17,500 on top of your down payment.

Here's what's included:

🏦 Lender fees: origination, underwriting, processing

📋 Third-party fees: title insurance, appraisal (~$500–700), attorney (some states), credit report

🏛️ Government fees: recording fees, transfer taxes

📆 Prepaids (you'd pay these anyway): first year homeowner's insurance, prepaid interest, escrow setup for taxes

What can you do about them?
• Negotiate seller concessions in your contract
• Ask about lender credits (slightly higher rate = lower cash to close)
• Shop title companies where allowed

I walk every client through this number before we ever write an offer.

DM me and I'll estimate yours right now. 📲

📌 Nate Hoffman | NMLS # 2088452 | The Money Store NMLS # 1019 | Licensed MLO | Equal Housing Lender 🏠 | Not financial advice. Contact me for a personalized quote. nmlsconsumeraccess.org

Source: CFPB 'Know Before You Owe' (Loan Estimate Guide) | HUD Settlement Costs Booklet | RESPA Guidelines | Original Professional Calculation

05/25/2026

The rate you saw online is not your rate.

Here's why — and what your actual rate probably is.

That advertised rate is built for:
• 780+ credit score
• 20%+ down payment
• Primary residence
• Single-family home
• Perfect income documentation

Change any one of those variables — the rate changes.

Here's what actually prices your rate:
• Credit score (most impactful)
• Loan-to-value
• Property type
• Occupancy type
• Loan amount
• Lock period

The advertised rate is a floor. Most borrowers are above it.

The only rate that matters is YOUR rate — based on YOUR actual profile.

Stop comparing yourself to a marketing number.

DM me and I'll give you a real quote based on your real situation. 📲

📌 Nate Hoffman | NMLS # 2088452 | The Money Store NMLS # 1019 | Licensed MLO | Equal Housing Lender 🏠 | Not financial advice. Contact me for a personalized quote. nmlsconsumeraccess.org

Source: CFPB Loan Estimate Explainer | Fannie Mae LLPA Pricing Matrix | CFPB 'Shop for a Mortgage' Guide | Freddie Mac PMMS

05/25/2026

5.0 star review received on Experience.com for Nate Hoffman by Steven D - Nate was alway ready to help.

Click to see all 10 reviews of Nate Hoffman, Mortgage Loan Originator | NMLS ID # 2088452