Matt Kreger, Mortgage Loan Officer

09/11/2026

Big news if you're looking to relocate #

09/10/2026

08/03/2026

Starting today, 8/3/26, Fannie Mae and Freddie Mac have officially retired the Limited Review process for most established condo projects with more than 10 units, meaning conventional condo loans will generally require a Full Condo Project Review. Lenders will take a closer look at the HOA’s finances, reserves, insurance, special assessments, litigation, and deferred maintenance before approving the project. The good news is that the previous 50% investor-ownership cap has been removed for established projects completing a Full Review, while smaller 2–10 unit buildings may still qualify for certain project-review waivers. Bottom line: Condo buyers may face additional documentation and review time, so getting the project reviewed early is more important than ever.

07/24/2026

🏡💙 CALLING ALL FLORIDA HOMETOWN HEROES! 💙🏡

Nurses, teachers, firefighters, police officers, veterans, court employees — this one's for YOU. 🚨👩‍⚕️🎓🎖️

The Hometown Heroes Down Payment Assistance Program can help get you into your first home with:

💰 Up to 5% of your purchase price toward down payment & closing costs (up to $35,000!) 🚫 NO mortgage stamps or intangible taxes ✅ Only ONE buyer on the loan needs to work in an eligible profession 🏠 Available to 1st-time homebuyers

Eligible professions include: 🩺 Healthcare Workers 🍎 School Staff 🚒 First Responders 🎖️ Military & Veterans 👮 Public Safety Workers ⚖️ Court Employees
..and MORE! Comment "LIST" below or send me a message and I'll send you the full list of approved professions. 📩

You serve our community every day — let's get you home. 🔑✨

📞 727-452-5198 ✉️ [email protected] Matthew Kreger | Custom Rate Mortgage | NMLS #2584737

Call now to connect with business.

07/02/2026

In the world of home loans, getting to "closed" isn't just about finding the lowest rate – it's about smart, strategic deal structuring! As your mortgage loan officer, I see firsthand how crucial it is to arrange all the pieces correctly from the very beginning.

Think of it like building a house: you need a solid foundation and a well-thought-out blueprint for everything to come together smoothly. The same goes for your mortgage! Proper structuring considers:

• Your unique financial situation: We look at income, debts, assets, and credit to tailor a solution that fits you perfectly.
• Loan program specifics: Every loan product has different requirements. Structuring means choosing the right one and presenting your application in a way that meets those guidelines.
• Future goals: We're not just closing today; we're setting you up for success tomorrow. A well-structured deal can save you money and headaches down the road.
An incorrectly structured deal can lead to delays, unexpected hurdles, or even a denial. My commitment to you is to meticulously review every detail, anticipate potential challenges, and structure your loan application to maximize its chances of a swift and successful closing.

Ready to talk about your homeownership goals and how we can structure the perfect mortgage for you? Let's connect!

06/23/2026

If you've been keeping an eye on mortgage rates, here's what's happening...

After improving a little last week, rates have moved back up and are now sitting near their highest levels in about 10 months.

So, why the change?

The biggest reason is that the Federal Reserve recently signaled that interest rates could stay higher for longer than many people were hoping. Even though other parts of the financial market would normally point toward lower mortgage rates, lenders are still reacting to the Fed's latest comments.

What does this mean if you're thinking about buying a home?

Trying to "time the market" is incredibly difficult. Mortgage rates can change every day based on new economic data and market reactions. If you're waiting for the "perfect" rate, you could end up waiting longer than expected.

The good news is that there are still ways to make homeownership affordable, including loan programs, down payment assistance, and the option to refinance later if rates improve.

If you're wondering how today's rates affect your buying power, send me a message. I'm happy to run the numbers and help you understand your options—no pressure, just information.

10/30/2025

Just a reminder, a Fed rate cut does not mean mortgage rate cuts.

Today was not a foregone conclusion and there was no way to know ahead of time that it would end like this, but the outcome is exactly why we've gone to such lengths to warn you about the potentially paradoxical reaction to a Fed rate cut.  Too many people repeat the fallacy that mortga...

10/27/2025

If you purchased your home in the last few years, chances are you could lower your monthly payment with a Refi. Every situation is different and now might not be the right time for you, but if you think it could be and you want an idea of the money you could be saving, shoot me a message or call me at 727-452-5198. The rates below are from Mortgage News Daily as of 10/24.