Marcos Miller - Licensed Mortgage Loan Officer - NMLS #1034641

08/27/2026

https://cash.zavvie.com/start?lo=marcos-miller-4809

08/15/2026

Your low rate is the reason you're still in a house you've outgrown.
Nobody says it that way. But that's what it is.
Sell, and the current rate goes away with the house. You hand it back and take whatever the new and inflated market is charging that morning. So folks that wanna move — people who NEED to move — just don't.
Some economists call it "lock-in effect". You call it "Lets move when rates lower"
They're not choosing to stay. They're choosing the payment.
There's a bill going straight at it. H.R. 10028, the MOVE Act, introduced August 3rd by Rep. Tom Kean Jr. The idea is portability: your rate, your balance, your term move with you to the next house instead of dying with the old one.
Sit with that one for a second....
It would mean you stop choosing between the home you need and the payment you can live with. Bigger home for a growing family, Downsize now that you're an empty nester, Take the job in another state, PCS, divorce..you get the drift..Keep the terms.

Now the honest version, because I'd rather you hear it from me than from a headline.
It's in committee. It is not available YET or ever. It tells Fannie and Freddie to start buying and securitizing portable loans — and the actual language matters here: mortgages the borrower is permitted by the lender to transfer. The lender still has to offer it. Which means this is not a switch that gets flipped on the loan already sitting on your house. It builds the plumbing for portable loans going forward. Anybody telling you your current rate just became portable is selling you something.
And if it moves anyway?
Every frozen homeowner in the country becomes a possible seller again. Inventory. Movement. A market that finally unsticks. And the people who understood it early are the ones already standing in the right place when it does.
I've been paying close attention to real estate in down markets. It's the thing that gets hit first and the thing people misread the worst — and the misread is usually where the opportunity is sitting.
I'm watching this one. If you want to know what it would actually mean for your situation, lmk in the comments or shoot me DM.

08/11/2026

She rented for nine years because of something her uncle said at a dinner table in 2015.

He told her she needed a huge pile of cash saved before anybody would let her buy a house. He wasn't lying to her. He was repeating what he'd heard, and she built almost a decade of her life around it.

There are programs where that isn't the rule. Hasn't been the rule for a long time.

Nine years of rent. Over one sentence at a family dinner.

If somebody gave you a number, find out whether they were quoting a rule or a rumor before you decide you can't.

08/10/2026

Weekly 30 Minute Mortgage Zoom Call.
Some subjects we will cover:
House Hacking.
New Construction.
Investor Strategies.
Hard Money.
Private Money.
Wholesaling Real Estate.
Money brokering.
True Passive Income Strategies.
No sales, Only Sauce.
*Some light tax strategies that have worked for me and gotten my clients up to 50k back on taxes from the IRS.
*Q&A

Why you should stop by?
-I helped investors raised ~2m in private seed capital for their various private real estate transactions.
-I've helped 100's of homeowners purchase homes in my 13 year mortgage career.
-I've helped realtors, and GCs discover new ways to make money without doing more work.
-Personally mentored 5 real estate investors to make an additional 100k in their business.
-I have personally been in partnership to purchase, renovate, build and sell ~$8m in real in just 6 years.

Some subjects we will cover: House Hacking. New Construction. Investor Strategies. Hard Money. Private Money. Wholesaling Real Estate. Money brokering. True Passive Income Strategies. No sales, Only Sauce. *Some light tax strategies that have worked for me and gotten my clients up to 50k back on tax...

06/25/2026

Thinking about buying a home but not sure if you qualify? 🏡

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Whether you're buying your first home, upgrading, or building a real estate portfolio — we have a loan product for your situation.

I've helped buyers who were told "no" by 3 banks close in under 30 days. The system isn't broken. You just need the right mortgage professional 😃

06/16/2026

Mortagegs for the Tax Savvy!

06/08/2026

Less of me. More about Jesus.

05/27/2026

This mornings anchor: I am a Kingdom builder operating under Philippians 4:19. The supply is not in the market. The supply is in the Father. Go about His business.

05/26/2026

Most investors think you need your own money to get started.

You don't. You need access to money.

Here's how a credit stack works 💪🏼

05/25/2026