The Mortgage Page - Andrew Buno

06/15/2026

🏡 FREE LIVE INVESTOR WEBINAR

Thursday, June 18th | 6:00 PM – 7:00 PM EST | Zoom

This Thursday I'll be co-hosting a free webinar focused on how investors use Home Equity Lines of Credit (HELOCs) to help fund real estate investments.

Most investors use cash, hard money, private lenders, or traditional financing. Those can all be great options.

A HELOC is simply another tool that can provide flexibility, speed, and control.

Instead of applying for financing on every deal, many investors use a HELOC to access available equity once and then draw funds as opportunities arise.

During the webinar, we'll discuss:

✅ Using existing equity to fund fix & flips

✅ How a HELOC can fit into the BRRRR strategy

✅ Exit strategies for hard money loans

✅ Using one line of credit across multiple deals

✅ Accessing funds quickly when opportunities arise

Whether you're an experienced investor or just exploring your first investment property, this session will provide practical examples and real-world strategies.

🔗 Register here: https://us05web.zoom.us/meeting/register/C0I22tmBTeavpIm7A7oAVQ

05/18/2026

I'll be hosting 2 First-Time Homebuyer Seminars this week! Here's a small preview of what we'll be covering 👇

Pre-approval process ✅
Home buying process from start to finish ✅
Industry terms explained in plain English ✅
The importance of having a great realtor and home inspector ✅
First-time homebuyer programs & low down payment options ✅
Real-world scenarios and examples ✅

A lot of people think you need perfect credit, 20% down, or that buying a home is way more complicated than it really is.

The goal isn't pressure, it's education. Ask questions, learn the process, and walk away with a better understanding of what buying a home actually looks like.

These two events are specifically for private groups, but if there's enough interest I'd be open to putting together additional seminars or webinars in the future.

If you'd be interested in something like that, drop a comment or send me a message.

05/14/2026

Did you know there are legitimate 0% down payment options available with no PMI for qualified buyers?

Including:
• First responders
• Medical professionals
• Educators
• Even general homebuyers

One of the biggest hurdles for first-time buyers is the upfront cash needed just to get in the door.

These programs can potentially save buyers tens of thousands upfront, while keeping more money in the bank for emergencies, renovations, furniture, or savings.

These programs aren’t for everyone, but many buyers are more qualified than they think.

Message me if you’d like to see what options may be available!

02/27/2026

Did you know mortgage rates follow the 10 year treasury bond and not necessarily the Fed Rates?

We've seen the 10 year dip below 4% a few times over the last 12 months, which created an opportunity window for rate and term refinances that actually make sense.

If you bought within the last 3 years, it may be a good time to look into reducing your interest rate - especially if you're in an FHA or VA loan.

FHA and VA rate reductions are streamlined to where you don't need an appraisal or income verification. If the loan makes financial sense, you qualify for it.

If you're in a conventional loan, we could look at possibly removing PMI and reducing the rate as well.

Reducing your rate and or PMI can save you money monthly - if you're comfortable with your payment, we can look at shortening the term. Keep your payment the same, pay it off years faster, save 10's if not 100's of thousands in interest.

The time of 7%+ mortgages are in the past, brighter days seem to be ahead!

02/03/2026

New Fed Chairman has been nominated. Do we hope for lower rates? Yes - however nothing is guaranteed.

If you're a homeowner above 6.5% - it's a good time to consider looking at reducing your rate. If you're above 7% it's more than likely a no brainer.

Reduce your rate and payment while the market allows instead of gambling and waiting for lower rates. Nothing is guaranteed - if you can save money now, it makes sense.

If rates go up while you're waiting on the sideline - you're stuck in the higher rate and payments until they come back down. Opportunity costs...

You can always reduce your rate again when and IF rates continue to go down.

You don't have to add thousands to your loan to lower your rate and you don't have to go back to a 30 year term either - there's flexible options that make sense depending on your goals.

Ask me about what is available! We're sitting at a good spot for most who closed in the summer of 2023 up until recent.

Home shoppers waiting for significantly lower mortgage rates this year may be disappointed, even if the next Federal Reserve chair wants to lower interest rates.

01/23/2026

Congratulations to one of my buyers on their accepted offer!

USDA Rural Development Loan - 100% Financing AND the seller is covering all closing costs! Only thing out of pocket for the buyer is the appraisal and earnest money deposit. Monthly payments in line with what they were wanting as well...

Affordability is still a thing !

Next steps; processing, underwriting, and closing.

01/22/2026

Mortgage market is always changing - Sad to see these products go away/change - they do help first time homebuyers with affordability.

With that said, I'm sure something new will come in to take the place of One+ (one % down payment program)

There are still other grants, down payment assistance programs, and low down payment options available - this isn't the end of the world - just a slight change.

Curious on eligibility for down payment assistance? Give me a call! I'm happy to help

Stay tuned for what may replace these two products, whenever something gets removed, something usually gets added - lets see how this plays out!

01/21/2026

New guideline change - properties owned under an LLC are now eligible for a 7 day closing HELOC - previously it must've been held in your name personally.

Quick product highlight:

- Home Equity Line of Credit (doesn't change your first mortgage)
- Fast closings (receive funds as quickly as 4 days after application)
- Electronically connect bank statement for proof of income
(no need for W2's/paystubs/tax returns)
- No appraisal needed (desktop appraisal is used)
- Can be used for primary, 2nd homes, and investment homes

This is a great loan if you need equity fast and don't want to touch your first mortgage rate.

01/09/2026

Big mortgage news today…

For the first time since COVID, the government is stepping back into the mortgage market.

The plan is for Fannie Mae and Freddie Mac to buy up to $200 billion of mortgage bonds.
That may sound boring - but here’s what it really means:

👉 When the government buys mortgage bonds, it pushes mortgage rates lower
👉 Lower rates = lower monthly payments
👉 Lower payments = more buyers able to qualify

This is basically the same type of tool that helped drive rates into the 2–3% range a few years ago - and it hasn’t been used since 2022.

Will rates crash overnight?
No.
But this is a clear signal that the government wants housing to move again and wants borrowing to get cheaper.

If you’ve been sitting on the sidelines waiting for rates to come down, this is one of the biggest moves we’ve seen in a long time that could actually make that happen.

I’ll be watching it closely 👀
If you want to know what this means for your buying power or refinancing options, just shoot me a message.

FHFA Director Bill Pulte says Fannie and Freddie will buy bonds from the public market.

12/26/2025

Wishing everyone a great holiday season - perfect time for rest, relaxation, reflection and goal/intention setting for the new year. If home ownership is on your 2026 bingo sheet - give me a call! With my recent ACL/MCL tear, I've got nothing but time to help crunch numbers and see what your new year could look like.