James Addy at United Mortgage Corp NMLS 1161127

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Rockville, MD
James Addy at United Mortgage Corp NMLS 1161127

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James Addy, NMLS 1161127
Mortgage Lending

📱: 703.597.2192
📧: [email protected]
💻: https://unitedmortgage.com/loan-officer/james-addy/

A mortgage company where homebuying meets well-being. Rate combines your home, financial and personal well-being to spark a more balanced life.

11/01/2026

🏡✨ BETHESDA, WE’RE BRINGING THE INFLUENCE TO YOU! 🔥

INFLUENCERS DAY: WHERE LUXURY MEETS OPPORTUNITY! 🥂

Calling all Realtors, Content Creators, Entrepreneurs, Influencers, and DMV Professionals! 📣

This isn’t your average networking event. We’re bringing together some of the DMV’s brightest minds, biggest personalities, and most ambitious professionals for an exclusive afternoon of LUXURY, CONTENT & CONNECTIONS! 💎

Imagine creating incredible content inside a stunning luxury property while building relationships that could open doors to your next BIG opportunity!

📅 Tuesday, November 3rd
⏰ 12:00 PM – 2:00 PM
📍 6201 Plainview Rd, Bethesda, MD

🔥 HERE’S WHAT’S WAITING FOR YOU:

🏡 TOUR LUXURY — Experience a beautiful Bethesda property firsthand.

📸 CREATE CONTENT — Bring your camera, your creativity, and your best energy! This property is the perfect backdrop for your next viral moment.

🤝 BUILD YOUR NETWORK — Connect with Realtors, business owners, creators, and professionals who are making moves throughout the DMV.

🥂 ENJOY THE EXPERIENCE — Light bites, drinks, great conversations, and even better company!

💡 Your network is your net worth, but only if you’re willing to get in the room!

Whether you’re looking to grow your brand, expand your business, build meaningful partnerships, or simply surround yourself with people who are WINNING — THIS IS THE ROOM YOU WANT TO BE IN!

🚨 TAG SOMEONE WHO NEEDS TO BE THERE!

10/30/2026

🔥 THE CREDIT PLAYBOOK: THE GATEWAY TO HOMEOWNERSHIP 🔥

Join me, James Addy — Mr. What’s Your Addy, and Dr. Ebony McArthur of McArthur Realty Group for a FREE virtual webinar designed to help you understand your credit, strengthen your finances, and position yourself to become a homeowner!

📅 Wednesday, November 18, 2026

⏰ 7:00 PM EST

📍 LIVE VIA ZOOM — FREE TO ATTEND!

💡 HERE’S WHAT WE’RE UNLOCKING:

💳 Credit Score Truth: What really impacts your score and how to improve it.

📆 Reporting Date vs. Due Date: Learn the credit card strategy most people overlook!

🏡 Down Payment Options: You may need WAY less money than you think!

✅ Pre-Approval vs. Pre-Qualification: Understand the difference before you start shopping.

💰 Budget & Affordability: Stop guessing and start knowing your numbers!

🔑 Know Before You Owe: Learn how to prepare financially before making one of life’s biggest purchases.

🚨 HERE’S THE REAL TRICK OR TREAT…

You could be closer to buying a home than you realize, but you’ll never know if you don’t take that first step!

Stop letting fear, misinformation, and credit myths keep you paying somebody else’s mortgage.

KNOWLEDGE TODAY. KEYS TOMORROW. 🔑

🎟️ CLICK THE LINK IN MY BIO TO REGISTER FOR FREE! 🔗

10/30/2026

CHANGE YOUR MINDSET ABOUT DEBT! YOUR MONEY SHOULD BE BUILDING WEALTH, NOT JUST PAYING BILLS! 🏡💰

We talked about the importance of making your payments ON TIME, but let me tell you something…

STEP 3 SHOULD’VE BEEN STEP 1! 🎯

Everybody wants a better credit score, but what are you actually building that credit FOR?!

💳 Credit cards? You’re borrowing money to spend.

🚗 Car loans? You’re financing something that typically loses value.

🏡 A MORTGAGE? NOW WE’RE TALKING ABOUT BUILDING WEALTH!

A mortgage is one of the few major debts that can help you finance an asset with the potential to APPRECIATE over time!

10/29/2026

🚨 YOUR CREDIT CARD DUE DATE AND STATEMENT DATE ARE NOT THE SAME THING! 💳📈

And understanding the difference could be the CREDIT HACK that gets you one step closer to HOMEOWNERSHIP! 🏡🔑

Most people think paying their credit card on time is all they need to do to build their credit score.

WRONG! Well… not completely. 😂

Let me put you on game! 👇🏽

📅 PAYMENT DUE DATE: This is when your minimum payment must be received to avoid being late. Paying on time protects your payment history.

📊 STATEMENT CLOSING DATE: This is when your billing cycle ends and your statement balance is calculated. Many credit card companies report this balance to the credit bureaus, although reporting dates can vary.

💡 HERE’S THE PLAY:

Let’s say you have a credit card with a $5,000 limit and a $4,000 balance.

That’s 80% credit utilization! 😳

Even if you pay that balance off by the due date, your credit report could still show high utilization if the issuer already reported it.

🔥 THE STRATEGY:

✅ Know BOTH dates for every credit card.

✅ Pay your balance down BEFORE your statement closes.

✅ Aim to keep reported utilization below 30%, and ideally below 10% when possible.

✅ Always pay at least the minimum by your due date. Paying your full statement balance by the due date generally helps you avoid purchase interest.

✅ Monitor your credit report to see when your lender actually reports.

Your credit score doesn’t just care that you paid. Your reported balance matters too!

And when you’re preparing to purchase a home, a few points could make a difference in your financing options, mortgage insurance, and potentially your interest rate! 💰

Stop letting something as simple as TIMING stand between you and your next address!

📲 DM me “CREDIT” and let’s build a strategy to get you mortgage-ready!

10/27/2026

📈 PRICES ARE GOING UP… BUT THAT DOESN’T MEAN YOUR DREAMS HAVE TO GO ON HOLD! 🏡🔥

Let’s be real! The cost of EVERYTHING is increasing. Groceries, gas, insurance, and yes, even housing.

But that hasn’t stopped you from ordering your favorite meal on DoorDash 🍔, clicking “Buy Now” on Amazon 📦, or treating yourself to something you want!

So why let a changing housing market stop you from investing in something you NEED?

💰 Got a raise? Let’s put some of that additional income to work.

💰 Have extra money sitting around? Let’s explore how it could help with your down payment or closing costs.

💰 Think you can’t afford to buy? You might be surprised by the programs and opportunities available to you!

I’m not telling you to stop enjoying life. I’m telling you to START PRIORITIZING THE LIFE YOU WANT TO BUILD!

The market isn’t going to wait for you to get comfortable. But with the right strategy, preparation, and financing options, we can find a way to make homeownership work for your budget.

🏡 Let’s combat this increasingly expensive market TOGETHER!

Stop guessing. Start planning. Know your numbers.

📲 DM me “ADDY” today and let’s build your homeownership strategy!

10/26/2026

🚨 SAME STREETS. SAME ROUTINE. SAME RENT. WHEN ARE YOU GOING TO MAKE A CHANGE? 🏡💰

Another month. Another rent payment. Another year telling yourself, “I’m going to buy a house when the time is right.”

But here’s my question… WHAT IF THE RIGHT TIME STARTS WITH A PLAN TODAY? 👀

You work hard. You pay your bills. You show up every day. But are you making financial moves that position you for the future?

Rent provides a roof over your head, but it doesn’t build equity for YOU. Homeownership gives you the opportunity to turn those monthly payments into something you can eventually own.

💰 HOMEOWNERSHIP IS ABOUT MORE THAN A HOUSE!

🏡 Building equity over time.
📈 Creating long-term wealth opportunities.
🔑 Establishing stability for your family.
💪🏾 Having something you can call YOURS.

Homeownership isn’t a guaranteed investment, but with the right strategy, it can become one of your most valuable financial assets.

🤝 STOP DISQUALIFYING YOURSELF BEFORE SPEAKING WITH A PROFESSIONAL!

You might have more options than you think!

✅ FHA loans with as little as 3.5% down.
✅ Conventional options starting at 3% down.
✅ VA and USDA zero-down options for eligible buyers.
✅ Down payment assistance programs.
✅ Jumbo and Non-QM financing solutions.
✅ Fully underwritten pre-approvals.

My job isn’t just to get you a mortgage. It’s to help you understand your numbers and develop a strategy that works for YOUR life.

🚀 A BETTER TOMORROW STARTS WITH A PLAN TODAY!

Let’s review your credit, income, assets, comfortable monthly payment, and financing options.

Maybe you’re ready now. Maybe you need 90 days. Maybe six months.

Either way, we’re creating a roadmap instead of guessing!

📲 DM ME “CHANGE” TODAY!

Let’s find out what you qualify for and get you from browsing to BUYING!

📍 Serving the DMV and beyond.

James Addy | Mr. What’s Your Addy 🏡

10/25/2026

🚨 IT’S TIME FOR YOU TO WIN THE MARKET! 🏡💰🔥

⏰ THE CLOCK IS TICKING… ARE YOU MAKING MOVES OR MAKING EXCUSES?

The real estate market isn’t waiting for anybody, and neither should YOU!

Whether you’re looking to purchase your first home, upgrade your current one, refinance, or grow your real estate portfolio, the right strategy can make all the difference!

🎙️ JOIN US LIVE ON INSTAGRAM!

I’m teaming up with J.T. Fanning, Executive Director of the Mid-Atlantic Region at United Mortgage, to break down what’s happening in today’s housing market and how YOU can position yourself to WIN!

📅 Thursday, November 19th
⏰ 7:00 PM EST
📲 Instagram Live | James Addy

🔥 HERE’S WHAT WE’RE TALKING ABOUT:

🏡 Market Opportunities: What’s happening in real estate, and where can buyers find opportunities?

📉 Interest Rates: Why waiting for the perfect rate could mean missing the right opportunity.

💰 Loan Programs: From low-down-payment options to creative financing solutions, let’s discuss what’s available.

🔑 Winning on the Buy: How to negotiate smarter, understand seller concessions, and make competitive offers without overpaying.

💪🏽 The Power of Preparation: Why getting fully pre-approved BEFORE shopping can give you a serious advantage.

🎯 LIVE Q&A: Bring your questions! We’re giving you insight from two mortgage professionals who work in this business every day.

💡 HERE’S THE REALITY:

You don’t have to predict the market to succeed in it. You need to understand your numbers, recognize opportunities, and surround yourself with people who know how to execute.

2027 IS RIGHT AROUND THE CORNER! Are you going to spend another year watching everyone else make moves, or are you ready to start making your own?

🚨 DON’T MISS THIS ONE!

📲 Set your reminder for November 19th at 7 PM!

10/25/2026

🚨 YOUR CREDIT SCORE DOESN’T HAVE TO KEEP YOU FROM HOMEOWNERSHIP! 🏡🔑

What if the only thing standing between you and your next home is the information you haven’t learned yet?

STOP GUESSING. START PREPARING. LET’S BUILD YOUR PLAYBOOK! 💪🏽

Join me, James Addy of United Mortgage, alongside Dr. Ebony McArthur of McArthur Realty Group, for a FREE LIVE WEBINAR designed to help you understand your credit, strengthen your financial position, and create a realistic pathway to homeownership.

📅 Wednesday, November 18, 2026
⏰ 7:00 PM EST
💻 LIVE ON ZOOM
🎟️ FREE REGISTRATION!

🔥 HERE’S WHAT WE’RE BREAKING DOWN:

✅ The truth about credit scores and mortgage qualification

✅ Statement dates vs. reporting dates — why timing matters

✅ How to strengthen your credit before applying

✅ Down payment assistance and low-down-payment options

✅ Pre-approval vs. pre-qualification — know the difference!

✅ Budgeting, affordability, and understanding your buying power

🏠 HERE’S THE BIG PICTURE:

You don’t need perfect credit to start preparing for homeownership. You need the right information, the right strategy, and the right team.

Whether you’re planning to buy in 30 days, six months, or sometime in 2027, THE TIME TO GET YOUR FINANCES IN ORDER IS NOW!

We’re not just talking about buying houses. We’re talking about building financial confidence, creating opportunities, and positioning yourself for long-term success.

📲 READY TO REGISTER? CLICK THE LINK IN MY BIO!

Tap the link in my bio to reserve your spot for this FREE live webinar. Don’t wait—registration is open now!

Tag someone who’s tired of renting, share this with a future homeowner, and come ready with your questions!

KNOWLEDGE TODAY. KEYS TOMORROW. 🔑

10/22/2026

🏡🔑 EVERY SUCCESSFUL CLOSING HAS A TEAM BEHIND IT… AND COMMUNICATION IS EVERYTHING! 💯🔥

Welcome back to PEOPLE YOU SHOULD KNOW IN THE DMV! 🎥

This time, I’m sitting down with Carolina Martinez of Chalet Settlements to discuss one of the MOST IMPORTANT parts of buying a home — the settlement company!

Everybody loves posting pictures with their keys on closing day! 🔑📸 But do you know how much work happens BEFORE you get those keys?!

Here’s what Carolina and her team handle behind the scenes:

🔎 TITLE SEARCHES: Identifying liens, judgments, and ownership issues that could affect your purchase.

💰 MORTGAGE PAYOFFS: Coordinating the payoff of existing mortgages and other obligations.

📑 TITLE CLEARANCE: Resolving title issues to help ensure ownership transfers properly.

🔐 TITLE INSURANCE: Helping protect buyers against certain covered ownership risks.

🤝 CLOSING COORDINATION: Working with lenders, Realtors, buyers, and sellers to keep everything moving.

✍🏾 SETTLEMENT DAY: Coordinating documents, funds, and the final steps toward homeownership!

But Carolina dropped a GEM that every buyer and Realtor needs to hear…

🗣️ COMMUNICATION AND THE RIGHT TEAM ARE WHAT MAKE HOMEOWNERSHIP POSSIBLE!

And I couldn’t agree more! 💯

Your lender, Realtor, and settlement company should all be working toward ONE GOAL — getting you to the closing table with confidence!

THE RIGHT TEAM DOESN’T JUST CLOSE DEALS. THEY SOLVE PROBLEMS, PROTECT YOUR INTERESTS, AND CREATE OPPORTUNITIES! 🔥

👏🏾 Huge thank you to Carolina Martinez and Chalet Settlements for sharing their knowledge with our DMV community!

🎥 Watch the FULL interview and learn why having the right professionals in your corner matters!

👇🏾 REALTORS & HOMEBUYERS: How important is communication during your transaction? Let’s talk!

10/21/2026

OWNER’S TITLE INSURANCE! 🏠🔐

Listen, you’ve worked too hard, saved too much money, and invested too much into your home to leave your ownership exposed!

Here’s what an owner’s title insurance policy can help protect you against:

🔎 UNDISCOVERED LIENS: Previous owners may have left behind unpaid debts or claims against the property.

📑 PUBLIC RECORD ERRORS: Mistakes in deeds, recordings, or other documents that could create ownership disputes.

🚨 FRAUD & FORGERY: Certain fraudulent signatures, forged documents, or title-related identity theft issues.

🏠 UNKNOWN HEIRS & OWNERSHIP CLAIMS: Someone could come forward claiming they have a legal interest in your property.

⚖️ LEGAL DEFENSE: If a covered title claim arises, your policy can help pay for legal defense and covered losses, subject to its terms and exclusions.

don’t skimp out on coverage that can really save you in the long run!

Address

11820 Parklawn Drive
Rockville, MD
20852

Telephone

+17035972192

Website

https://unitedmortgage.com/loan-officer/james-addy/

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