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Eric McCabe - NMLS #139699 - Benchmark Mortgage

Home
United States
Plains, PA
Eric McCabe - NMLS #139699 - Benchmark Mortgage

Branch Manager
NMLS #139699
Equal Housing Opportunity
Ark-La-Tex Financial NMLS #2143 for the past 24 years.

Eric McCabe and his team have served homebuyers throughout Northeastern Pa. The McCabe Mortgage Group team has more than 300 plus years of combined industry experience. Eric and his team are well versed in all aspects of residential mortgage lending and are proud to feature a mortgage product line that is second to none

09/03/2026

Mortgage Word of the Day: Contingency 🛑
A contingency protects buyers.
Inspection? Financing? Appraisal?
Those are your escape hatches if something goes sideways.
Smart contracts save stress.

09/02/2026

Being self-employed has a funny little catch… 😅

Your tax pro works hard to legally lower your taxable income. Then you apply for a mortgage and the lender says, “You don’t make enough.”
Wait… what?! 🤦‍♀️

That’s because mortgage qualifying income isn’t always as simple as what you actually bring in.
Lenders typically review your tax returns—often two years—and look at things like:
🏠 Taxable income
📊 Business income trends
➕ Certain deductions that may be added back, like depreciation
📄 The specific loan program and its guidelines

And here’s the important part: one lender saying “no” doesn’t always mean the answer is no. Different programs may calculate self-employed income differently.

If buying a home is on your radar in the next year or two, talk with your tax professional AND a mortgage lender before filing.

Already been told you don’t qualify? Your file may be worth a second look.

09/01/2026

Good money habits can start early! 💰🌱
Teaching kids how to earn, save, budget, set goals, and give back helps build skills they’ll use long after the piggy bank is gone. 🐷
Small lessons today = smarter money choices tomorrow. 💵🏡

08/31/2026

Your mortgage rate stayed the same…but your payment changed? 🤔
Yep, that can happen!

Your mortgage statement tells you a lot more than just “here’s what you owe.” Take a minute to find these 5 numbers:
💰 Total amount due
🏠 Principal applied
📈 Interest charged
📋 Escrow collected or paid
🔑 Remaining principal balance

If your taxes or insurance change, your escrow—and potentially your total payment—can change too, even with the exact same interest rate.

Understanding your mortgage shouldn’t stop once you get the keys. 🔑
Save this for your next statement! 📌

08/28/2026

ChatGPT can explain mortgages all day long. 🤖🏡 It can break down pre-approvals, escrow, and even why lenders seem to ask for the same document 47 times. 😂

But it doesn’t know your situation, your goals, or which option makes the most sense for you.

That’s where a real conversation matters. Questions about buying or refinancing?

Send them my way!

08/27/2026

The listing price gets your attention. 👀

But the real monthly cost goes beyond that number.
Property taxes. Insurance. Utilities. Maintenance. HOA fees, if applicable.

Two homes with the same price tag can have very different monthly costs. 🏡💰

Before you start touring homes, know both numbers—what it costs to buy AND what it costs to own.

08/26/2026

🐾 Happy National Dog Day! 🐶❤️

Today’s all about the four-legged family members who run the house, steal the blankets, and somehow convince us they haven’t eaten yet. 😂

Now it’s your turn — show us your pups in the comments! 📸👇

08/25/2026

Mortgage Word of the Day: Rate Lock 🔒

This freezes your interest rate while buying.
Markets move daily — this keeps surprises away.

Peace of mind unlocked 🔑

08/24/2026

🚨 REALTORS: Condo financing changes are here—and these are worth knowing!

If you have buyers looking at a condo, the financing side may require a little more homework than it used to.

📅 August 3, 2026: Limited Reviews retire, meaning more condo projects will require a Full Review.

📅 January 2027: Association reserve requirements increase from 10% to 15% of the annual budget, which could impact whether some condo projects qualify for financing.

👉 Why does this matter for agents?

Getting the lender involved early can help identify potential condo eligibility issues before your buyer is deep into the transaction.

Condo on your buyer’s radar? Bring the lender into the conversation early—it could save everyone a few headaches later!

08/21/2026

A lot is happening behind the scenes to get from offer accepted to keys in hand. 🔑🏡

Strong relationships with agents, title companies, processors, underwriters, and everyone involved can make a BIG difference when it comes to keeping a closing on track.

Experience matters. Relationships matter. And having the right team matters. 🙌

Thinking about buying? Let’s talk about your options and what the next step could look like.

Address

672 S River Street #310
Plains, PA
18705

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	9am - 2pm

Website

https://ericmccabe.benchmark.us/

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