Gary Mouritzen - "The Mortgage Guy"

05/03/2026

A lot of people stay on the sidelines too long waiting for the “perfect” time to buy, but her point is that once you can realistically afford the down payment and the numbers make sense, ownership starts doing something rent never will: it builds equity for you instead of for someone else.

Every rent payment keeps a roof over your head, but it does not move you any closer to owning an asset. Money drained from your pockets giving you anything back. You cover the landlord’s mortgage, help grow their equity, and stay exposed to rent increases, all while owning none of the asset yourself.

That is why buying early can matter so much. The sooner you get into the market, the sooner your monthly payments can start building ownership, the sooner you benefit from appreciation.

The problem is that rent keeps draining money out of your hands without giving you anything back. You cover the landlord’s mortgage, help grow their equity, and stay exposed to rent increases, all while owning none of the asset yourself.

04/13/2026

03/30/2026

🏡✨ Unlock the power of your home equity without messing with your sweet mortgage rate! Planning a dream renovation, education expenses, or just need some extra cash? Let's talk about turning your home's value into a financial superhero—more options, more flexibility! 🏠💸

02/19/2026

Loans for Doctors, up to 100% Financing!

01/22/2026

Streamline Your Home Financing! 🏡 Self-employed? Qualify for loans up to $3M using your bank statements! Our lending options are tailored to provide flexibility, allowing you to stretch your payments over 40 years or opt for interest-only payments. This approach is perfect for entrepreneurs who need a simple, effective way to demonstrate their financial stability without traditional income documentation. Ready to empower your home buying journey with innovative solutions? Contact us today! 🌟

12/30/2025

Traditional lenders say "no" to your tax returns? Don't sweat it! I specialize in mortgages with alternative income documentation.Use bank statements, P&Ls, or asset verification to qualify! Let's chat & see how I can help YOU unlock your homeownership dreams.

12/16/2025

🏠 💝 Give the gift of a new home! 🎁 ✨ Did you know you can use a gift as a down payment on your mortgage loan? 💰 Unlock the door to homeownership with this thoughtful gesture, making your dreams a reality and your future brighter. 🏡 🔑

12/05/2025

🚀 Simplify Home Financing! 🏡 Use a Profit & Loss Statement instead of traditional income docs. Perfect for entrepreneurs and self-employed individuals. Faster, easier, and tailored to your financial reality. Ready to fast-track your dream home? Contact us today! 🌟

11/18/2025

No More 620 FICO Score!

Fannie Mae loans have been updated to remove the minimum Fico requirement of 620. This applies to Purchase, Limited Cash-Out, and Cash-Out transactions, and all occupancies for standard loan amounts and high balance loans with a fixed rate. Fannie Mae will rely on its own comprehensive analysis of risk factors within its Automated Underwriting System (AUS).

HOWEVER ... Some Mortgage Insurance companies have their own FICO score requirements. For example, ARCH, MGIC and Essent Guaranty have minimum credit score requirements of 600 for a 1-unit primary residence, including multi-wide manufactured homes.

So, let's say you a person has a 590 credit score and we get AUS approval, we might not get Mortgage Insurance approval. An alternative solution there would be Lender Paid Mortgage Insurance (LPMI) whereby the interest rate is increased to "self-insure" the loan. Or we can look at an FHA loan with scores down to 550!

So, there are options! Contact me with your questions.

11/17/2025

No More Pennies? Now what??!

The U.S. Mint opted to no longer produce the Penny. With rising costs across the board, one cent may become obsolete. The production of the penny no longer makes sense... In 2023, the US Mint made 4.5 Billion pennies at a cost of $179 Million in tax payer's money. They said it costs $3.69 to make 1 Penny!!!

Retailers have already felt the shortage in pennies and are asking customers to round Up or Down to the nearest nickel. Well, until the nickels goes away!! It actually costs 13 Cents to make 1 Nickel!!

It is said that rounding to the nearest nickel will cost consumers around $6 Million. If we get rid of the nickel, it will then round us up to the nearest dime, which would cost us $56 Million!! (Economist Brandon Sheridan)

Will the penny really disappear? They stopped producing the Susan B Anthony dollar coin, but they're still in circulation. The also stopped making the $2 bill, but we still come across those as well.

There are still 250 Billion pennies in circulation, so they're not completely going away any time soon. Besides, we're eventually heading to a completely cashless system, in my opinion.