Judy Cunningham, NMLS 1830874

06/15/2026

If you’re a potential home buyer who feels sidelined by down payments and other costs, listen up!

According to a survey by New American Funding, most homeowners, 85%, wish they knew more about the home buying process before their purchase. Among those, 13% did not know they didn’t have to put 20% down, and 20% wished they knew about down payment assistance programs.

Down payments can feel like a prohibitive cost for many borrowers, and it’s important to know all of your options before taking the leap. In fact, most homebuyers put down 10% or less, making homeownership more affordable for them. Let’s talk today about what the path to homeownership could look like for you!

06/04/2026

Happy June, and welcome to your monthly Western market update!

Whether you’re curious about homes with price reductions or hot markets, I’m always here to talk about anything you need! Click the link to get connected.

http://churchillmortgage.com/get-started

06/02/2026

This is great!😊
Good for him!

In 2017, a highly determined Swedish electrical engineer named Mats Järlström successfully fought an absolutely massive legal and mathematical battle against the entire state of Oregon, fundamentally changing modern traffic laws. Järlström’s wife had previously received a highly expensive automated red-light camera ticket for driving through a specific intersection. Instead of simply paying the annoying fine, he actively mathematically analyzed the intersection and discovered that the timing of the yellow light was fundamentally, scientifically flawed and entirely too short for drivers making right-hand turns. When he publicly presented his highly detailed mathematical research to the state engineering board, they actively fined him five hundred dollars for practicing engineering without a local license and tried to silence him. Refusing to back down, he filed a massive federal civil rights lawsuit arguing that basic mathematical physics cannot be legally censored. A federal judge completely agreed with him, striking down the state's fine and forcing the traffic light formulas to be officially updated nationwide. His brilliant victory proved that sheer mathematical stubbornness can completely defeat a corrupt system.

06/01/2026

Did you know that June is National Homeownership Month?

Whether you’re a current or future home owner, this is always a great time to review your finances and make sure everything is in order. I’m always one call away to discuss your financial journey, what refinancing or buying would look like for you, and to give you expert advice.

05/30/2026

House hunting starts with knowing what you can afford. Churchill Mortgage’s free calculator makes it easy—no guesswork required.

Click the link here to get started: https://www.churchillmortgage.com/how-much-house-can-i-afford?mlo=

05/25/2026

This Memorial Day, we honor and remember the brave men and women who served our country and gave their lives. As we spend time with loved ones, let’s pause to reflect on those whose sacrifice made these moments possible.

05/21/2026

Whether you just got the keys or you’ve been settled in for a while, owning a home is always worth celebrating. Here’s to milestones, memories, and making it yours.

If you’re still searching for that perfect fit, let’s find you a loan that checks all the boxes - click the link to get started on your home buying journey:

05/18/2026

Q: Is 2026 better for buyers or sellers?

A: Trick question - the answer is both. While previous years have favored sellers, we’re entering into a more balanced market that has benefits for both sides of the transaction. According to Redfin, in 2025 almost half of sellers were offering concessions to buyers, and buyers are reentering the market as home prices are becoming more stable.

Do you think this trend of market balancing will continue throughout the year? Comment down below.

05/13/2026

Affordability is UP in these 5 metros.

Are you surprised? Comment your thoughts down below.

05/10/2026

Happy Mother’s Day to the incredible women who make a house feel like home! To moms and mother figures everywhere, thank you for your love, strength, and unwavering support. Tag someone you’re celebrating today in the comments 💐