David Nelson - Professional Mortgage Consultant

06/04/2026

📣 Agents, read this before your next condo deal!

Condo financing rules are changing, and most agents don't know it's coming. Here's what's happening:

✅ Fannie and Freddie are doing away with the "limited review" that made a lot of condo loans quick and easy. Now most condos require a FULL review.

✅ That means three things have to qualify, not one: your buyer, the appraisal, AND the HOA itself (budget, reserves, insurance, and any litigation).

✅ HOAs are the wild card. They can take up to two weeks just to hand over their budget, so a deal you thought was conventional can suddenly need a different program.

It's not the buyer. It's the BUILDING. More condo buyers (and the agents who represent them) are going to get surprised mid-transaction. Buildings that closed fine a year ago may not clear today.

Send me a message if you want the full breakdown of what's changing. Let's make sure none of your condo deals get caught off guard! 🏙️

06/03/2026

After being turned down by multiple lenders, he thought the deal was dead.
With earnest money already on the line, the fear wasn't just missing out on the house. It was losing money, losing time, and having to start the entire process over.
The challenge?
A mix of W-2 and 1099 income.
Unfortunately, many lenders struggle with income that doesn't fit neatly into a standard box. Instead of finding a solution, they simply say no.
Fortunately, a referral led him to our team before he gave up.
We took the time to understand the full income picture, structured the file correctly, and helped get the loan approved.
If you've been told your income is too complicated, don't assume you're the problem.
Chances are, you're dealing with a lender who doesn't know how to properly structure a complex income file.
Before you walk away from the home you want, get a second opinion.
📩 DM "SECOND OPINION" if another lender has told you no.

05/12/2026

You found the perfect home…
Then lost it to a cash buyer.
Again.
In today’s market, sellers often choose cash offers because they feel faster, cleaner, and less risky.
Even well-qualified buyers can lose simply because financed offers come with more uncertainty.
But what if your offer could compete like cash?
NEO’s Cash Buyer Program helps financed buyers submit cash offers by purchasing the home in cash on your behalf first — giving sellers the speed and certainty they want while you still secure financing afterward.
That means:
• stronger offers
• fewer contingencies
• faster closings
• and a better chance of winning the home you actually want
Comment “WIN” and we’ll send you the full guide explaining how it works.

04/15/2026

Would you rather have a smaller loan with a higher payment… or a larger loan with a lower payment?
Most homeowners don’t realize they’ve been limited to outdated options.
You’ve built equity in your home, but traditional banks often restrict how you can use it.
There’s a smarter way to think about it:
More access. More flexibility. More control.
Instead of letting your equity sit unused, you can turn it into a tool that works for you.
Comment “EQUITY” and we’ll show you how to unlock it.

04/10/2026

https://www.experience.com/reviews/david-nelson-401501/a1b92fa8-a6e7-4a59-8c4e-f6daac705c3e

Click to see all 179 reviews of David Nelson, LOAN OFFICER NMLS # 223291

03/27/2026

Unlock the power already inside your home
Your equity is waiting to be turned into real financial freedom.
DM “HELOC” to get started.

03/26/2026

Real people. Real experiences.

Grateful to help great families navigate the process with clarity, speed, and confidence—and even more excited to be part of what comes next for them.

03/25/2026

Your home equity could be doing more than you think.
Let’s find out what your home is really worth and what it can do for your future. Comment HELOC to learn more!

03/23/2026

Stressed about high-interest debt or rising costs? You might be sitting on the solution. Tap into your home equity and start breathing easier financially.
Comment “HELOC” to get started.

03/20/2026

🎉 Congratulations on Matching into Residency!
All the hard work, long nights, and sacrifices have paid off. This is a huge milestone—and the start of an exciting new chapter.
Now that you know where you're headed, it’s time to start thinking about what’s next… including where you’ll call home.
Our Resident Home Loan programs are built specifically for you:
✔ 0% down options
✔ Competitive rates
✔ Flexible approval with student loans
✔ Close anytime before your residency begins
You’ve earned this moment. Let’s make your transition as smooth as possible and help you step into homeownership with confidence.
👉 DM me “HOME” to get your free consultation started.