Regina Stearns - NMLS # 391594

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Regina Stearns - NMLS # 391594 Regina Stearns, MLO, NMLS #391594. Custom Rate Mortgage PLLC NMLS #1613207

Helping Florida homebuyers understand the mortgage process with education, honest guidance, and personalized solutions so you feel confident every step of the way.

🎃👻 Trick or Treat Safety! 🦇🍬Halloween is almost here! Before your little ghosts and goblins hit the streets, here are fo...
10/23/2026

🎃👻 Trick or Treat Safety! 🦇🍬

Halloween is almost here! Before your little ghosts and goblins hit the streets, here are four quick tips to keep the fun safe!

👻 Stick Together! Younger children should have an adult along, and older kids should travel in groups.

🧙‍♀️ Watch for Traffic! Use sidewalks and crosswalks, and always look both ways before crossing.

🦇 Be Seen! Add glow sticks, reflective tape, or flashlights so drivers can spot your little monsters.

🍬 Check the Candy! Have an adult inspect treats before anyone digs into their Halloween haul!

A little preparation makes for a whole lot of safe, spooky fun! Wishing everyone a safe and SPOOK-tacular Halloween! 🎃🕸️💜🌻

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

VA Loans Aren't Just for First-Time Buyers! 🏡Did you know that using your VA home loan benefit once doesn't necessarily ...
10/22/2026

VA Loans Aren't Just for First-Time Buyers! 🏡

Did you know that using your VA home loan benefit once doesn't necessarily mean you can't use it again? Many Veterans and eligible military borrowers don't realize that VA home loan benefits can be used more than once! Whether you purchased a home years ago, are thinking about moving, or simply need a home that better fits your life today, your VA benefit may still have opportunities available to you.

Depending on your circumstances, you may be able to restore your VA entitlement after selling a home and paying off your previous VA loan. In some situations, you may even qualify for another VA loan while still having an existing one. And eligible borrowers with sufficient entitlement may be able to purchase with no down payment!

Of course, every situation is different, and understanding your eligibility and available entitlement is an important part of the conversation.

If you've served our country & are wondering whether your VA home loan benefit could help you with your next move, I'd love to help you explore options. You've earned this benefit, and you deserve to understand how it works! ❤️🤍💙🌻

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

What an amazing day! Heather with Your Media Matters always plans the best events down to the smallest detail. I can't...
10/21/2026

What an amazing day! Heather with Your Media Matters always plans the best events down to the smallest detail. I can't wait for our The Brand Edit!

☕ Coffee with Regina: What Is Escrow, Anyway?If you've ever heard the word "escrow" during the homebuying process and wo...
10/20/2026

☕ Coffee with Regina: What Is Escrow, Anyway?

If you've ever heard the word "escrow" during the homebuying process and wondered what it actually means, you're not alone! It's one of those mortgage terms that sounds more complicated than it really is. Let's break it down!

💰 When you have an escrow account with your mortgage, your lender or loan servicer typically collects a portion of your property taxes and homeowners insurance with your monthly payment.

🏦 That money is held in a separate account until those bills are due.

📋 When it's time to pay, your loan servicer uses the funds in that account to cover those expenses.

Pretty simple, right? Here's something else worth knowing: Escrow can also refer to money held during the homebuying process, such as your earnest money deposit. That's different from the escrow account used for taxes and insurance!

And remember, your escrow portion can change over time as property taxes and insurance costs change.

My goal is to make sure you understand what you're paying, why you're paying it, and what to expect along the way. 💙🌻

☕ Have a mortgage question you'd like me to cover during a future Coffee with Regina? Drop it in the comments or send me a message!

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

🏡 Should You Buy a Home NOW… or WAIT?It's one of the biggest questions homebuyers are asking right now, and my answer mi...
10/16/2026

🏡 Should You Buy a Home NOW… or WAIT?

It's one of the biggest questions homebuyers are asking right now, and my answer might surprise you. There isn't one right answer for everyone! Buying now might make sense if your finances are stable, you've found a home you love, and you're comfortable with the monthly payment.

⏳ Waiting might be the smarter choice if you're building savings, improving your credit, or simply aren't comfortable with the numbers yet. Here's what I want you to remember: You don't have to time the housing market perfectly. You need to make a decision that works for YOUR finances, YOUR goals, and YOUR peace of mind. And sometimes, the best thing we can do today is create a plan that gets you ready for tomorrow.

🌻My job isn't to convince you to buy a home. It's to help you understand your options so you can make that decision with confidence. What's your biggest hesitation about buying right now: interest rates, home prices, monthly payments, or something else?

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

🎉🏡 WOO HOO WEDNESDAY!Today we're celebrating Misty T. and the closing of her new home! 💙 There's nothing quite like the...
10/14/2026

🎉🏡 WOO HOO WEDNESDAY!

Today we're celebrating Misty T. and the closing of her new home! 💙 There's nothing quite like the excitement of closing day! All the planning, paperwork, questions, and anticipation finally lead to one wonderful moment...you're officially a homeowner! 🔑

Misty, thank you for trusting me to be part of your homebuying journey. Wishing you years of happiness, laughter, and wonderful memories in your new home!

And a special thank-you to Realtor Mary Grantham for the teamwork and dedication in helping make this closing happen! 🏡

Congratulations, Misty! Here's to beautiful new beginnings! 🌻

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

☕ Coffee with Regina: What Does My Monthly Mortgage Payment Actually Include?When you're shopping for a home, it's easy ...
10/12/2026

☕ Coffee with Regina: What Does My Monthly Mortgage Payment Actually Include?

When you're shopping for a home, it's easy to focus on the price tag. But what really matters is understanding what you'll be paying each month! Your monthly mortgage payment may include more than just paying back the money you borrowed.

Here's a quick breakdown:

🏠 Principal – The portion that reduces your loan balance.

💰 Interest – The cost of borrowing the money.

📋 Property Taxes – Often collected monthly and held in an escrow account until they're due.

🛡️ Homeowners Insurance – Also commonly included through escrow.

🔑 Mortgage Insurance – Depending on your loan program and down payment, this may be part of your monthly payment, too.

And don't forget! If you're purchasing in a community with HOA fees, those may be an additional expense outside your mortgage payment. Here's what I always want buyers to understand: Just because you qualify for a certain loan amount doesn't mean that's the monthly payment you'll feel comfortable with.

That's why I like to start with the numbers that matter to YOU, not just the price of the house.

☕ Have a mortgage question you'd like me to cover during a future Coffee with Regina? Drop it in the comments or send me a message!

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

🏡 Still want to buy a home in 2026? There's still time to explore your options! Believe it or not, we have about 12 wee...
10/10/2026

🏡 Still want to buy a home in 2026? There's still time to explore your options! Believe it or not, we have about 12 weeks left in the year! And if your goal is to celebrate the holidays in a new home, now is a great time to get the conversation started.

Here's why:

🏡 Getting pre-approved helps you understand your buying power before you start shopping.

🔎 Finding the right home can take time, so the sooner you know your options, the better.

📝 Once you're under contract, a typical closing may take around 30 days, depending on the loan and transaction.

That means buying before the end of 2026 may still be possible!

But here's what I want you to remember: You don't have to have everything figured out before we talk. Whether you're ready to start shopping tomorrow or just wondering if homeownership is possible this year, let's look at where you stand and what makes sense for you.

And if 2027 turns out to be your year? We can start planning for that, too! 💙🌻

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

🏡 UNDER CONTRACT! Now what? You've found the home, negotiated the offer, and signed the contract. Woo Hoo! 🎉 But we're ...
10/09/2026

🏡 UNDER CONTRACT! Now what? You've found the home, negotiated the offer, and signed the contract. Woo Hoo! 🎉 But we're not quite at the finish line yet! There are still a few important steps between getting under contract and getting those keys:

🔑 Earnest money is deposited according to your contract.

🏠 Home inspections help you better understand the property's condition.

📋 An appraisal may be needed to help confirm the home's value.

📑 Underwriting reviews your loan details and final documentation.

✍️ Once everything is approved and ready, it's time for closing!

Every transaction is a little different, and there may be a few bumps or extra questions along the way. That's completely normal! My job is to help you understand what's happening, what comes next, and what we need to do to keep things moving forward. Because getting under contract is exciting, but getting to closing day with confidence is even better! 💙🌻

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

🏡 Here's what I want every nervous homebuyer to know:You do not have to have everything figured out before you talk to m...
09/25/2026

🏡 Here's what I want every nervous homebuyer to know:

You do not have to have everything figured out before you talk to me.

You don't need to know which loan you want.
You don't need to understand every step of the process.
And you definitely don't need to have all the right questions ready.

That's what I'm here for.

Sometimes our first conversation isn't about getting pre-approved at all. It's simply about figuring out where you are today, where you'd like to be, and what steps might help you get there.

Maybe you're ready now. Maybe you're six months away. Maybe there's something we need to work on first. All of those are okay places to start. Buying a home is a big decision. Being a little nervous doesn't mean you're not ready to begin learning what's possible.

So bring me the questions. Bring me the “I have no idea where to start.” Bring me the “This might be a silly question, but…” I promise, I've heard a lot of questions and I'd much rather you ask than sit at home worrying about the answer. 💙🌻

You don't have to figure it out alone.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

Address

360 Central Avenue, Ste. 470
Saint Petersburg, FL
33701

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18636400861

Website

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