Rene Adkins - Shore United Bank

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Rene Adkins - Shore United Bank We are an Equal Housing Lender. NMLS 607844

I’m Rene Adkins, a seasoned Mortgage Loan Officer If you’re a first-time buyer, a seasoned homeowner, or looking to refinance, I’m here to make your goals a reality.

🏡🔑 “Is now still a good time to buy?”With mortgage rates moving up 📈, it’s completely understandable to wonder whether y...
09/17/2026

🏡🔑 “Is now still a good time to buy?”

With mortgage rates moving up 📈, it’s completely understandable to wonder whether you should purchase now or wait.

The truth is, the right time to buy isn’t determined by the interest rate alone. It also depends on:

💵 Whether the payment comfortably fits your budget
📅 How long you plan to own the home
💰 Your available savings and loan options
👨‍👩‍👧‍👦 Whether buying supports your family’s goals

⏳ Waiting may make sense for some people—but others may find the right home, negotiate seller assistance 🤝, or purchase now and explore refinancing later if rates improve.

Refinancing is never guaranteed, so the home should still be affordable at today’s payment. ✅

You don’t have to guess or figure it out alone! I can review your numbers, explain your available options, and help you decide whether purchasing now makes sense for you—without pressure or obligation. 💬

📲 Message me for a personalized mortgage review!

Rene Adkins
Mortgage Banker | Shore United Bank
NMLS #582422

✨🏠 From First-Time to Forever — Rene Has You Covered! 🏠✨

09/08/2026

This morning back in 1937 we opened our doors for the very first time! Over the past 89 years we have seen a little bit of everything when it comes to business! We try everyday to keep providing the best products to our customers and continue to expand our options. Our fresh meats are still the top product that sets us apart from others! If you haven’t stopped in and tried it you should. We can’t thank our amazing customers for all of their past and continued support over the years! Here is to another year! Ps if you’re driving by in the next few weeks check out our new windows going in!

🚫 Mortgage Myth: “I should wait until I have a 20% down payment.”Many homebuyers are surprised to learn that 20% down is...
09/01/2026

🚫 Mortgage Myth: “I should wait until I have a 20% down payment.”

Many homebuyers are surprised to learn that 20% down is not always required. Depending on the loan program and your qualifications, options may be available with a much smaller down payment. 🏡

The right amount to put down depends on more than just the minimum requirement. We should also consider:

💰 Your available savings
📦 Moving and household expenses
🔨 Possible repairs or improvements
📊 Your estimated monthly payment
🛟 The emergency funds you’ll have left afterward

Using every dollar you have for the down payment may not always be the best financial strategy.

Before assuming you aren’t ready to buy, let’s look at the actual numbers together. You may have more options than you realize! 🔑

📩 Message me with the words “DOWN PAYMENT,” and I’ll help you understand which options may fit your situation.

🏡 Mortgage MondayThinking about buying a home, but not sure where to begin? You don’t have to figure it out alone!Whethe...
08/24/2026

🏡 Mortgage Monday

Thinking about buying a home, but not sure where to begin? You don’t have to figure it out alone!

Whether you’re:

🔑 Buying your first home
🏠 Ready for your next home
💰 Exploring down-payment assistance
📉 Wondering what loan programs you may qualify for
🤔 Or simply trying to decide if now is the right time

I’m here to explain your options, answer your questions, and guide you through the mortgage process—without pressure or confusing mortgage jargon.

I proudly help homebuyers throughout Maryland and Delaware. Let’s talk about what may be possible for you!

📲 Send me a private message to get started.

From First-Time to Forever—Rene’s Got You Covered!

08/20/2026

🏡 Mortgage Market Update

Financial markets rallied this week after the U.S. Treasury announced plans to increase purchases of longer-term Treasury bonds, a move that helped push long-term yields lower.

Because mortgage rates are heavily influenced by what's happening in the bond market, this is welcome news for prospective homebuyers and homeowners considering refinancing.

Although rate movements change daily, it's encouraging to see positive momentum in the market.

If you've been wondering whether now is the right time to buy, build, or refinance, I'd be happy to review your options and provide a personalized strategy.

This is great information and crucial during the loan purchase process.
04/29/2026

This is great information and crucial during the loan purchase process.

Thinking about buying a home? Let's get you started!
03/06/2026

Thinking about buying a home? Let's get you started!

Address

112 N Talbot Street
Saint Michaels, MD
21663

Telephone

+14432354226

Website

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