Rhonda L Wayne-Smith

09/02/2026

Americans: When Refinancing Can Pay Off

09/01/2026

How to Get a 4% Mortgage Rate in 2026?
Let’s connect and talk about the latest insights in the industry!

08/31/2026

https://www.cnbc.com/video/2026/08/01/how-fannie-mae-and-freddie-mac-are-making-condos-harder-to-buy.html

Do you want to buy a house or a condo?

Buying a condo may be about to become significantly more difficult, even for buyers with good financial standing. Beginning August 3rd, Fannie Mae and Freddie Mac are making big changes to how condominium mortgages are reviewed. Streamlined review process that applied to many transactions will now b...

08/31/2026

US HOA Costs Demand Closer Review

08/30/2026

Mortgages in 2026: What to Expect if the Fed Cuts Interest Rates and How to Prepare Before Buying
Thinking mortgage rates will drop fast if the Fed cuts rates in 2026? 🏠 Not so fast—other factors matter too! Want to buy a home? Focus on getting financially ready now instead of waiting for the "perfect" rate. 💡 Ready to start planning?
http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/1784198-Mortgages-in-2026%3A-What-to-Expect-if-the-Fed-Cuts-Interest-R

08/29/2026

How to find the best mortgage rate - it could save you $3,300 a year
With mortgage rates now at 6.55%, the cost of borrowing has become a real concern for many, and it’s surprising how much buyers can overpay—sometimes upwards of $3,300 each year—simply by not exploring all their loan options. Over the years, helping clients in Massachusetts, North Carolina, and now Florida, I’ve seen firsthand how comparing multiple lenders and reviewing your credit report can make a substantial difference in your bottom line. My passion is helping you find the right mortgage fit, whether it’s for your next home or an investment property, by tapping into a diverse network of over 150 lender partners. A strategic approach to financing doesn’t just save money—it puts you closer to your financial goals. If you want to make sure your mortgage supports your bigger picture, let’s make sure you’re equipped with every advantage available.
http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/1820980-How-to-find-the-best-mortgage-rate---it-could-save-you-%243%2C30

08/28/2026

Breaking down barriers to achieve the American dream: How first-time homeownership is possible
As someone who’s helped clients navigate the highs and lows of the real estate market from Massachusetts to North Carolina and now Florida, I’ve seen firsthand how challenging it can feel for first-time buyers today. With home prices and interest rates on the rise, only 21% of buyers are purchasing their first home—the lowest percentage since 1981—even though nearly half of people still hope to buy. The good news? There are still pathways to homeownership. Low down payment loans and a range of assistance programs are opening doors for those ready to make their move. My approach is all about connecting you with financing solutions designed for your unique situation. Whether your goal is to buy your first home or start building long-term wealth, I believe the right guidance and access to strategic loan options can help you achieve your version of the American dream.
http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/1911839-Breaking-down-barriers-to-achieve-the-American-dream%3A-How-fi

08/27/2026

Why Do Investors Choose Bridge Loans First?
Bridge loans: why do savvy investors often look here first? In my experience working with both residential and commercial clients, I see time and again how a well-timed bridge loan can be the difference between landing the right property and watching it slip away. When you find an ideal investment but your cash is tied up elsewhere, bridge loans buy you the time you need—letting you secure opportunities now, without waiting months for another deal to close. It’s not just about having more funds at your disposal; the real advantage is speed, especially when strong properties attract quick competition. Bridge loans essentially link two key moments: purchasing today, then moving to permanent financing when it’s right. Of course, it’s important to weigh the benefits of acting quickly against the higher short-term costs. The most successful investors are strategic—calculating the opportunity gained before making a move. My role is to help you find financing solutions that fit your goals and move you forward, whether it’s your first investment or your next big leap.

08/26/2026

U.S. VA Loans vs. Conventional Loans
Sorting through FHA vs. conventional loans can feel overwhelming, especially when you’re trying to find the best fit for your unique financial goals. FHA loans are often a solid option if your credit isn’t perfect or if your down payment is on the smaller side. Just keep in mind that every FHA loan comes with insurance, and putting down less than 10% means those premiums could stick around for the life of the loan.

Conventional loans, on the other hand, generally call for stronger credit—but they offer flexibility: you can use them for your primary home, a second property, or even an investment. Down payments can be as low as ~3%, and private mortgage insurance can be removed once you build enough equity.

As of early Q3 2026, the average 30-year rate was in the high-6% range for conventional loans and low-6% for FHA. But don’t forget: FHA’s upfront and annual insurance costs can add up and impact your overall budget. Loan limits matter too—conforming conventional loans go up to $832.8K in most areas, while FHA caps most loans at $541.3K and typically requires you to use the property as your primary residence.

Having worked in several markets and with access to over 150 lender partners, I know firsthand how much these details matter when structuring the right loan solution. If you’re weighing your options, it’s a smart move to ask for a clear side-by-side comparison—from rates and cash to close, to monthly payments and insurance—so you can see how each loan stacks up over the next 5-7 years. Navigating these choices with a tailored strategy is how you unlock real financial progress.

08/25/2026

How Property Owners Are Using Home Equity to Manage Increasing Household Expenses
With U.S. housing costs up 26% since 2000—far outpacing income growth—many homeowners are turning to their hard-earned equity to help manage rising household expenses. I’ve seen younger clients especially put their home equity to work by consolidating debt, investing in needed improvements, refinancing for better terms, or even building an emergency fund, all while maintaining that smart 20% equity buffer. Having worked across several states and with clients from all walks of life, I’m passionate about finding creative, practical financing solutions tailored to your unique goals—whether that means optimizing your current home’s value or setting up a plan to build long-term wealth through real estate. With the right strategy and lending partner, your home equity can become a powerful financial tool.