Stacie Newman, Mortgage Originator

04/13/2026

Paying PMI every month? Let's talk about how to get rid of it! 💰
A lot of homeowners don't realize they have options to eliminate their mortgage insurance once they've built up equity. Here are 4 ways to ditch that extra payment:
1️⃣ Refinancing – If rates have dropped or your home value has increased, refinancing into a new loan without PMI could save you money.
2️⃣ Request PMI cancellation at 80% LTV – Once you've paid down your mortgage to 80% of your home's original value, you can request to have PMI removed. (It's automatic at 78%, but why wait?)
3️⃣ Get a new appraisal – If your home has appreciated in value, a new appraisal might show you've already hit that 80% threshold – even if you haven't paid down that much yet.
4️⃣ Pay down your mortgage – Making extra principal payments gets you to that magic 78% number faster, and PMI automatically terminates.
PMI can add $100-$300+ to your monthly payment depending on your loan amount. If you've been in your home for a few years, it might be time to explore your options!
Questions about whether you qualify to remove PMI? Drop a comment or send me a message – I'm happy to help! 👇

03/12/2026

Quick myth buster: You DON'T need a 20% down payment! 🎉

Seriously, this is one of the biggest misconceptions out there. Most of my buyers put down way less:
• FHA loans: 3.5% down • Conventional loans: as low as 3% down • VA loans: 0% down (for eligible veterans) • USDA loans: 0% down (in eligible rural areas)

Yes, you'll likely pay mortgage insurance with less than 20% down, but you can START building equity NOW instead of waiting years to save up.

Don't let this myth keep you renting!
Let's talk about what works for YOUR situation.

03/06/2026

Friday mortgage tip! 💡

Your debt-to-income ratio (DTI) is one of the most important numbers in your mortgage application. Here's the quick version:
DTI = All your monthly debt payments ÷ Your gross monthly income

Most lenders want to see 43% or lower. So if you make $5,000/month, your total debts (car payment, credit cards, student loans,
AND your future mortgage) should be under $2,150.

How can you quickly estimate your future mortgage?
Using a rate of 6%, every $10,000 of loan amount is $60 per month in payment. A loan amount of $200,000 at 6% is $1200 ($200,000/$10,000= 20 X $60 = $1200). Add to this property taxes, homeowners insurance and HOA.

Questions about qualifying? Send me a message! 📩

03/05/2026

"But aren't mobile homes cheaply made?" 🤔

Let me set the record straight. Manufactured homes built TODAY are nothing like the ones from 40 years ago.

Here's what changed:
✅Stricter HUD building codes (updated regularly)
✅Better insulation = lower energy bills in FL heat
✅Hurricane-rated construction (big deal in Florida!)
✅Modern materials: granite, stainless steel, luxury vinyl
✅Energy Star appliances standard in most
✅Longer warranties on major systems

I've toured dozens of newer manufactured homes, and honestly? Most people can't tell the difference between them and site
built homes. The quality is THERE.

Thinking about making the switch? I can help you finance a home you'll actually be proud of.🏡

03/04/2026

Let's talk about the reality of home prices in Florida right now 🏠

Average site-built home in Florida: $400k+
Average manufactured home in Florida: $150k-$250k

Same quality of life. Same pride of ownership. WAY more affordable.

If you're tired of watching home prices climb while you're stuck renting, it might be time to look at manufactured homes.
They're not what you remember from the 80s – these are beautiful, modern homes that just happen to cost a fraction of
traditional construction. 💰✨

I specialize in financing manufactured homes across Florida. Let's find a path to homeownership that actually fits your budget.

02/18/2026

This home is eligible for USDA financing with 0% down payment!
Call me for details!

Charming 5-bed, 3-bath mobile home at 10545 Beckenger Ave, Hastings, FL 32145! This cozy gem features an open layout, modern kitchen with wood cabinets, laminate flooring, and plenty of natural light. Set on a spacious lot surrounded by Florida’s beautiful pines—perfect for peaceful country living just a short drive from St. Augustine or Jacksonville.

Ready to make it yours? Send a message, Scan the QR code or contact Ellie at 252-340-5607 [email protected]

01/28/2026

This is is eligible for USDA home loan 100% financing!

This 2250 square feet Mobile / Manufactured home has 4 bedrooms and 2 bathrooms. It is located at 598 OLD SAN MATEO Road, San Mateo, FL.

01/28/2026

All mortgage programs are not created equal. Choosing the wrong program could cost you thousands of dollars in closing costs or down payment. Before starting the home buying process, speak with a mortgage professional who can understand your unique situation and goals and help guide you to the best mortgage program for YOU!

01/07/2026

The best homes aren't measured in square feet—they're measured in love, laughter, and memories. 🏡
No matter the size, every home has the potential to be filled with warmth and connection. As your mortgage loan officer, I'm here to help you find the financing that opens the door to YOUR perfect space.
Let's make your homeownership dreams come true. Message me today!

12/18/2025

https://finance.yahoo.com/personal-finance/mortgages/article/when-will-mortgage-rates-go-down-looking-ahead-to-2026-190610028.html

Mortgage rates are up this week. The Fed cut its rate in December, so will rates drop in 2026? Learn more about when mortgage rates will go down.

12/16/2025

Own a mobile home but rent the lot? That $600-900/month lot rent will
NEVER stop increasing.
What if you could own your home AND your land for the same monthly payment?
It's more possible than you think.
Free consultation - no obligation. Call/text: 386-627-3471