James Addy at United Mortgage Corp NMLS 1161127

James Addy at United Mortgage Corp NMLS 1161127 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.

Y’all should’ve seen how I came into the stadium Sunday… 🏟️😂JUST KIDDING.I GOT CUT LAST WEEK. 😭😂But since I’m apparently...
09/15/2026

Y’all should’ve seen how I came into the stadium Sunday… 🏟️😂

JUST KIDDING.

I GOT CUT LAST WEEK. 😭😂

But since I’m apparently unemployed from the NFL, let me give y’all some REAL mortgage news:

📊 NEW CREDIT SCORE MODELS — VantageScore 4.0 is now part of the new credit-scoring landscape for mortgages, and it can look at things like rental and utility payment history. Depending on the borrower, that could make a difference in qualifying and pricing.

🏢 CONDO REVIEWS — Condo financing continues to be an area where the property itself can make or break a loan. HOA finances, insurance, repairs, litigation and project eligibility matter. So just because YOU qualify doesn’t automatically mean the CONDO qualifies.

🏠 KEEPING YOUR CURRENT HOME? — Fannie Mae recently announced changes to how rental income from a departing residence can be documented and calculated, with the new framework moving toward market-supported rent rather than relying solely on an executed lease. Some lenders may adopt the changes early, with mandatory implementation for applications dated November 1, 2026 and later.

So yeah…

MORTGAGE RULES ARE CHANGING.

And that’s exactly why you shouldn’t be getting your mortgage advice from TikTok University, your cousin, or somebody who bought one house in 2007. 😂

BUT HERE’S THE PROBLEM…

NONE OF THIS MATTERS IF YOU’RE NOT PRE-APPROVED. 🤷🏾‍♂️

You can know every guideline.
Know every credit model.
Know every program.
Know every interest-rate prediction.

But if you don’t know YOUR NUMBERS, you’re just talking mortgage basketball from the bleachers.

🏠 Get pre-approved. Know your budget. Know your options. Then go shopping.

09/14/2026

🚨 NOT ALL PRE-APPROVALS ARE CREATED EQUAL! 🚨

There are LEVELS to this homebuying game. 🏠💰

Getting a quick pre-approval letter is one thing… getting a VERIFIED APPROVAL is a whole different ballgame. 🏆

With a verified approval, we take a deeper look at your income, assets, credit, and documentation before you start making offers.

Why does that matter?

✅ More confidence when you shop
✅ Stronger offers to sellers
✅ Fewer surprises during underwriting
✅ Better understanding of your true buying power
✅ And potentially saving you money by identifying issues and opportunities BEFORE you’re under contract

Don’t just get a letter.

GET VERIFIED. KNOW YOUR NUMBERS. SHOP WITH CONFIDENCE. 🔑

Stop guessing what you can afford. Let’s get your mortgage game to the next level.

📲 Contact me today and let’s get your VERIFIED APPROVAL started.

09/11/2026

PEOPLE YOU SHOULD KNOW 👀🔥

If you’re looking for people in our community who are making an impact, Dr. Rios is definitely someone you should know.

She’s a business owner, community leader, and someone who understands that life doesn’t always go according to plan.

Dr. Rios opened up about running for public office, experiencing the disappointment of not winning, and how that adversity became another lesson in resilience.

But here’s the part I really respect: she didn’t let the loss stop her from serving.

She continues to share the knowledge and life lessons she’s gained throughout her journey because sometimes your greatest impact doesn’t come from a title—it comes from the people you educate, encourage, and inspire along the way.

That’s what People You Should Know is all about: putting a spotlight on the people in our community who have stories worth hearing and knowledge worth sharing.

🎥 Get to know Dr. Rios.

🚨 HEY FUTURE HOMEOWNER… STOP PLAYING! 😂🏡You’ve been saying, “I’m gonna buy a house next year” for the last 5 years… 👀Mea...
09/11/2026

🚨 HEY FUTURE HOMEOWNER… STOP PLAYING! 😂🏡

You’ve been saying, “I’m gonna buy a house next year” for the last 5 years… 👀

Meanwhile, your credit is over there like, “Are we doing this or not?” 😂

That’s why Dr. Ebony and I are bringing you the Credit Playbook: Pathway to Homeownership! 📚🏠

We’re going to break down what you need to know about credit, preparing to buy, and getting yourself in position for homeownership.

And the best part? You don’t even have to leave your couch! 😂

💻 100% VIRTUAL
📅 Wednesday, September 23
⏰ 7:00 PM
🏡 First-time homebuyers — THIS IS FOR YOU!

Don’t wait until you find your dream house to start getting your finances together. By then, I’m gonna be asking you for documents and you’re gonna be asking me, “Can I send you my credit karma screenshot?” 😂😂

Register TODAY! 🚨 SPACES ARE LIMITED!

Dr. Ebony brings the knowledge on home buying.
I’ll bring the mortgage game.
YOU bring the commitment! 💪🏾🏡

Let’s stop talking about homeownership and start making a plan.

Register now — link in bio!

🤯🤪 apparently, I GOT CUT FROM THE TEAM. 🤣Good news: I may not have made the Cowboys roster, but I’m still starting at qu...
09/10/2026

🤯🤪 apparently, I GOT CUT FROM THE TEAM. 🤣

Good news: I may not have made the Cowboys roster, but I’m still starting at quarterback for YOUR HOME PURCHASE. 🏠🏈

🏡 You don’t need 20% down.
🏡 You don’t need perfect credit.
🏡 You don’t need to wait for the “perfect” market.
🏡 You DO need to know your numbers.

That’s why getting pre-approved BEFORE you start house hunting is so important. We can look at your income, credit, assets, debts, down-payment options and monthly payment so you know what you’re working with.

Because trying to shop for a house without knowing your budget is like being a Cowboys fan without knowing the season is going to hurt eventually. 😂💀

KNOW BEFORE YOU OWE. 🤝🏠

And if the Cowboys want to cut me, that’s fine. I’ll just take my talents to the DMV housing market. 😂

I’m still here helping buyers put together a game plan, understand their options and get to the closing table. 🏠🏈

📲 Ready to see what you qualify for? Let’s get you pre-approved and find out what your home-buying budget REALLY looks like.

09/09/2026

🎤 STOP LETTING THE INTERNET BE YOUR MORTGAGE BROKER! 😂

“Wait until prices crash.”
“You need 20% down.”
“Rates are going to drop next month.”
“Just keep waiting…”

Everybody’s got a verse, but not everybody knows the mortgage game. 🎧🏠

Here’s the real talk: You don’t automatically need 20% down, and waiting for the market to “crash” may mean watching someone else build equity while you’re sitting on the sidelines.

Instead of listening to every mortgage guru on TikTok, IG and Facebook… GET PRE-APPROVED.

Know your budget.
Know your payment.
Know your numbers.
Know what programs you actually qualify for.

Because in this game, you need to KNOW BEFORE YOU OWE! 😂💰

Don’t freestyle your home purchase like it’s a cypher. 🎤
Get the numbers first, then make your move.

And remember: 20% down is not the entry fee to homeownership.

📲 Hit me up. Let’s get you pre-approved and put some facts behind the plan.

09/08/2026

Sometimes serving your community isn’t about having all the answers—it’s about sharing the lessons life has taught you. ❤️

In this conversation, Dr. Rios talks about the importance of giving back by sharing her experiences, knowledge, and the things she’s learned throughout her journey.

Because what you’ve learned along the way shouldn’t stop with you. If your experience can help someone avoid a mistake, make a better decision, or simply see what’s possible for their own life… share it.

That’s how we build stronger communities—one conversation, one lesson, and one person at a time. 🙌🏾

🎥 Watch the full conversation with Dr. Rios and let us know: What’s one lesson life has taught you that you believe everyone should know?

09/07/2026

🚨 HEY FUTURE HOMEOWNER… STOP PLAYING! 😂🏡

You’ve been saying, “I’m gonna buy a house next year” for the last 3 years… 👀

Meanwhile, your credit is over there like, “Are we doing this or not?” 😂

That’s why Dr. Ebony and I are bringing you the Credit Playbook: Pathway to Homeownership! 📚🏠

We’re going to break down what you need to know about credit, preparing to buy, and getting yourself in position for homeownership.

And the best part? You don’t even have to leave your couch! 😂

💻 100% VIRTUAL
📅 Wednesday, September 23
⏰ 7:00 PM
🏡 First-time homebuyers — THIS IS FOR YOU!

Don’t wait until you find your dream house to start getting your finances together. By then, I’m gonna be asking you for documents and you’re gonna be asking me, “Can I send you my credit karma screenshot?” 😂😂

Register TODAY! 🚨 SPACES ARE LIMITED!

Dr. Ebony brings the credit knowledge.
I’ll bring the mortgage game.
YOU bring the commitment! 💪🏾🏡

Let’s stop talking about homeownership and start making a plan.

Register now — link in bio!

Address

11820 Parklawn Drive
Rockville, MD
20852

Telephone

+17035972192

Website

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