Assist Home Loans

10/15/2026

Have $1 Million in Savings or Investments? You May Have More Mortgage Buying Power Than You Think.

Freddie Mac just introduced new guidelines that make it easier for certain borrowers to qualify using accumulated financial assets—even without substantial traditional employment income.

Here's what $1 million in net eligible assets could mean:

Previous qualification calculation: $4,167/month
NEW qualification calculation: $5,556/month

That's 33% more potential mortgage-qualifying income from the same assets.

This could be a significant opportunity for retirees, business owners, investors, and financially independent borrowers.

We've created a FREE interactive calculator to help you understand how your assets may count toward qualifying for a mortgage.

No application. No credit check.

Calculate your potential qualifying income:
https://assisthomeloans.com/blog/freddie-mac-asset-based-income-mortgage-qualification

Figures are illustrative and assume net eligible assets. Subject to underwriting requirements. Not a guarantee of approval.

Assist Home Loans | NMLS #1678642
Justin Stearns | NMLS #258870

A major update to conventional mortgage guidelines may help retirees, investors, business owners, and financially independent borrowers qualify using accumulated wealth rather than relying exclusively on traditional employment income.

03/26/2025

5.0 star review received on Experience.com for Justin Stearns by Stephanie M - Justin is an absolute GEM!! He is a great loan officer that works so hard for his clients. His communication and understanding of the entire loan process makes him an asset to everyone he works with!!

Click to see all 177 reviews of Justin Stearns, Mortgage Broker

03/26/2025

Thank you so much for the kind words! It truly means a lot to me. I'm grateful for the trust you've placed in me over the years and I'm always here to help however I can. It's been a pleasure working with you on each project, and I look forward to supporting you with whatever comes next!

Justin is truly an exceptional mortgage broker. He's guided me through multiple projects, consistently providing reliable advice and expert guidance. When time is working against you, Justin can conquer challenging timelines that most others can't. He's incredibly knowledgeable and always ready to s...

03/26/2025

🏡 Why rent when you can own and save big over time? While rent keeps rising—up 3.5% a year on average—a fixed mortgage payment stays the same. 📈 Over 30 years, that adds up to big savings! 💰

Locking in a fixed payment not only builds equity, it shields you from inflation and rising housing costs.

Like, share, or follow if you're ready to stop paying someone else’s mortgage. 📲 Reach out today to get preapproved with no cost, no obligation, and no hard credit check!

NMLS 1678642, Equal Housing Opportunity

03/25/2025

💰 Using gift funds for a home purchase? Here are 3 quick tips for conventional loans:

1️⃣ Only for primary or second homes—not investment properties.
2️⃣ Gifts may be taxable unless it's a parent-to-child gift—talk to a tax pro!
3️⃣ Donors should wire funds directly to escrow/closing to avoid extra docs & keep things private.

Plan smart, close smooth! 🏡✨
NMLS 1678642, Equal Housing Opportunity

03/24/2025

Want to buy a new home but keep your current one? 🏡 You can use rental income from your departing residence to help qualify for your next mortgage! This strategy can boost your buying power, turn your old home into an investment property, and build long-term wealth through real estate.

✅ Offset your current mortgage
✅ Increase loan eligibility
✅ Start earning passive income.

Click the link in bio or visit assisthomeloans.com and let’s talk about how to make it work for you!

NMLS 1678642

03/21/2025

🏡 First-Time Homebuyers in SLO County — This One’s for You!

If you make up to $248,000/year, you could qualify for the CalHFA MyHome Assistance Program — a 2nd mortgage that covers up to 3% of the purchase price with just 1% interest and NO monthly payments until you sell, refinance, or pay off the home.

This could be the boost you need to finally own a home on the Central Coast 🙌

📍 Available in San Luis Obispo County
📈 Income limit: $248,000/year
💰 Up to 3% of the purchase price
🕐 1% interest, deferred payments

Pre-Approve at https://buyerprequalify.com/justin28/first_time_buyer

03/18/2025

Considering purchasing a home for a family member? The Family Opportunity Mortgage might be your solution. This program allows you to buy a primary residence for an elderly parent or a disabled adult child using owner-occupied financing, even if you don\'t plan to live there yourself. Benefits include lower down payments and mortgage rates compared to second homes or investment properties. To qualify, the family member must be unable to secure financing on their own. It\'s a great way to support your loved ones while enjoying favorable loan terms.

03/17/2025

Your mortgage "pot of gold" isn't found by chance—it's the result of partnering with a dedicated mortgage lender who understands your unique needs. Let's work together to make your homeownership dreams a reality. Contact me today to start your journey.

03/14/2025

Spring is here! 🌸 Ready to make this season your homeownership season? Here's your ultimate checklist to becoming a homeowner: Assess Your Financial Health: Review your credit score, savings, and monthly budget to determine your purchasing power. Explore Loan Options: Research various mortgage products to find the best fit for your financial situation. Get Pre-Approved: Secure a pre-approval letter to strengthen your position when making offers. Find a Trusted Real Estate Agent: Partner with an experienced agent who understands your needs and the local market. Start House Hunting: Begin touring homes that align with your criteria and budget. Make an Offer: Once you find the right home, work with your agent to submit a competitive offer. Schedule Inspections: Ensure the property is in good condition by arranging necessary inspections. Review and Sign Documents: Carefully go through all paperwork before finalizing the purchase. Close the Deal: Complete the closing process and receive the keys to your new home! What steps are you most excited about? Or perhaps you have questions about any part of the process? Drop a comment below, and let\'s discuss how we can make your homeownership dreams a reality this season!