Chad Kuebler - Loan Officer - NMLS 2720023

09/03/2026

08/28/2026

COMING SOON
Available for showings September 1st
330 W. Lytle Street, Fostoria
Call Michaela Brown, Agent at American Heritage Realty inc.
419-455-0988 for more information.

08/26/2026

A lot of buyers are sitting on the sidelines waiting for mortgage rates to ease up. But waiting for a lower rate often costs far more than buying now and refinancing later.

Here is the actual breakdown on a $400,000 purchase (20% down / $320k loan on a 30-year fixed):

7.00% ➡️ $2,129/mo (Principal & Interest)
6.75% ➡️ $2,076/mo (Saves $53/mo)
6.50% ➡️ $2,023/mo (Saves $106/mo)
Saving $106/month sounds great on paper.

Here’s the catch:

If home values appreciate by a modest 4% over the year you wait for rates to hit 6.50%, that same $400,000 home now costs $416,000.
At $416,000, your new 20% down loan amount is $332,800. At a 6.50% rate, your payment is $2,104/mo.

The Reality Check

By waiting a year for rates to drop 0.50%:
❌ You save just $25/month on the payment.
❌ You missed out on $16,000 in equity growth.
❌ You need $3,200 more cash out-of-pocket for your down payment.
❌ You face stiffer competition as other buyers jump back in.

Marry the house, date the rate. Lock in today’s purchase price, build your equity now, and drop your payment with a simple refinance when rates ease down.

Thinking about making a move this year? DM me to run the numbers for your specific price point! 📩

Data reflects principal & interest calculations for illustrative purposes; excludes taxes, insurance, and HOA fees.

08/22/2026

08/10/2026

🏡 Did You Know? ITINs Can Get You Homeownership Too.

Not having a Social Security Number doesn’t mean you can’t buy a home. ITIN loans let borrowers use an Individual Taxpayer Identification Number to qualify for a mortgage — no SSN required.

Here’s who this helps:
✅ Immigrants without SSNs who file taxes with an ITIN
✅ Self-employed borrowers building credit outside traditional channels
✅ Buyers who’ve been told “no” elsewhere simply because of documentation

What it typically takes:
📋 Valid ITIN
📋 2 years of documented income (tax returns, bank statements, etc.)
📋 Down payment (often higher than conventional — usually 15-20%)
📋 Established credit history (traditional or alternative)

07/31/2026

Check out these specials from our branch!

07/29/2026

Self-employed buyer? Tax returns don’t tell the whole story.

If you own your own business — contractor, salon owner, consultant, whatever — chances are your tax returns are optimized to minimize taxable income. Great for your CPA. Terrible for debt-to-income ratios on a conventional loan.

That’s where a Bank Statement loan comes in. We qualify based on 12-24 months of actual bank deposits, not their tax-adjusted net income. No tax returns needed. It’s often the difference between a self-employed buyer getting declined and getting into contract.

If you’re a self-employed buyer who “makes great money but keeps getting told no,” give me a call. Let’s look at your bank statements before we assume you don’t qualify.

📲 DM me — happy to run a quick scenario.