Ross Zimmerman Neo Home Loans MLS# 531277 Mortgage Professional

01/09/2026

Are you overpaying on your mortgage?
With rates moving lower, it’s worth checking. Comment “ANALYSIS” for a free review.

01/31/2024

If you are a homeowner and have not done this, you could be missing out on a huge wealth-building opportunity.

It's called an Equity Analysis Plan 🏠💰📊

You likely have a lot of equity if you have owned your home for a few years. If you want to learn how you can leverage this equity, send us a message to request a personalized Equity Analysis Plan and fast-track your path to financial freedom.

10/19/2023

Buying a multi-unit property just got a lot more affordable! 🏘️💲

Starting November 18, NEO Home Loans can help you purchase an owner-occupied multifamily home (2-4 units) with as little as 5% down. Currently, a 15% down payment is needed for 2-unit properties, while 3–4-unit properties require a 25% down payment.

This new program offers a fantastic chance to generate rental income and/or ease the burden of mortgage payments with only modest upfront costs! And to make things even easier, you will be able to use the projected rents from the other units as income to help with qualification.

If you’d like to explore your options for buying a multi-unit property with minimal cash investment, send me a message!

09/15/2023

If you Google “recession” today, you’ll find thousands of differing opinions about when (or even if) the US economy will slow down enough to enter a recession.

Recessions are a big deal for the housing market because they mean lower mortgage rates. But the question is: WHEN will we actually be in a recession?

There are several economic indicators that help us predict when this might happen:

1. Americans are saving less money than they were before the pandemic, and the amount of consumer debt is MUCH higher than it has been for years.

2. Short-term bonds are yielding higher returns than long-term bonds. This is called an Inverted Yield Curve, and every time it has happened a recession has followed without fail.

3. Banks are tightening their standards for credit and loan approvals across the board.

4. Student loan payments are resuming next month, which will have a significant impact on personal finances.

5. A pending commercial real estate crisis, due to high interest rates and very high vacancy rates.

Remember, home values do NOT go down during recessions. The only time this happened was during the Great Recession in 2008, but that recession was caused by the housing bubble. Today’s housing market could not be more different.

For more insight on the main economic factors that indicate we are heading for a recession, check out our latest blog below!

[email protected]" rel="ugc" target="_blank">https://neohomeloans.com/09/08/2023/yes-housing-will-become-more-affordable-but-not-for-the-reasons-you-think/?lo=[email protected]

08/03/2023

08/02/2023

"Ahoy, home sweet home!" 🗺️🏠

Whether ye seek a new home or refinancin' yer ship, trust NEO Home Loans to be yer guide to navigate the dangers of the mortgage seas!

Yer journey awaits! Hoist the sails of homebuying opportunity at https://rosszimmerman.neohomeloans.com/

07/12/2023

Lost in the mortgage wilderness? 🏜️ No worries, partner! As the Loan Ranger, I'm your guide. Got mortgage challenges? Reach out to me, let's conquer them together! rosszimmerman.neohomeloans.com 🤠

07/11/2023

Do you think that homeowners who bought their homes five, ten, or 30 years ago regret their decision to buy? 🤔
They likely don’t, even if they paid more than they wanted to at the time.

Why is that? Because home prices always appreciate in the long term 📈
Data from the FHFA show that the average home has appreciated 56% in the last five years and 290% since 1991- that’s nearly triple the value in 32 years. Even through financial hardships, homeownership is a reliable way to grow your wealth over time.

The sooner you buy, the sooner you will start building up equity- send me a message to make a plan for your financial future.

07/06/2023

What’s up with Wall Street buying up so many single-family homes?? 🤔

Pretium Partners is a hedge fund that owns $50 billion in real estate across the country, and they’ve just announced that they purchasing 4,000 more rental homes from a builder called D. R. Horton 🏠💰

Why are they doing this? Because they recognize the consistent lack of supply and increasing demand in the housing market, and they anticipate prices rising significantly in the future.

This is the smartest money in the country- you might want to pay attention to where it’s being invested. Reach out to me if you want to follow their lead and start building your real estate portfolio.

05/23/2023

05/09/2023

You’ve heard that owning real estate is a great way to build wealth and protect against inflation 🏠
But how exactly does that work? 🤔

Once you’re ready to move into a new house, you can keep your current residence as a rental property rather than selling it. Repeat this process every 2-5 years, and you’ll develop a portfolio of rental properties to provide you with cashflow for an early and comfortable retirement, avoiding high interest rates and down payments along the way 💰

Check out this article that takes a deeper dive into a strategy just like this, and reach out to me with any questions:
[email protected]" rel="ugc" target="_blank">https://neohomeloans.com/04/24/2023/the-straightforward-real-estate-strategy-for-financial-independence/?lo=[email protected]

04/24/2023

Are you waiting to buy until home prices drop? 🤔
It might be time to reconsider.

Reports from Black Knight, Core Logic, and the FHFA are all saying the same thing: home prices are on the rise 📈

Just as we’ve anticipated, rates are going down, bringing more buyers into the market, and there has been no increase in inventory to meet that demand. This is causing prices to creep up for the first time in eight months.

This inventory problem is not going to end soon- demand is going to keep going up, bringing prices up with it. Now is the time to lock in a low interest rate before prices rise higher. Message me to get started.