Reg Gustin at Select Rate Mortgage NMLS #249410

10/10/2026

MY FOURTH QUARTER 🌎
Preparing Today for Tomorrow’s Adventures!

Thailand — October 2027! 🇹🇭

The journey doesn’t begin when the plane takes off. It begins right here, in the gym.

One of the most important parts of My Fourth Quarter is preparing myself physically for the adventures ahead.

I don’t want to simply visit other countries. I want to experience them. Walk through villages, explore remote places, climb into fishing boats, meet local people, and immerse myself in their everyday lives.

And to do that, I need to be healthy, strong, and physically capable.

Getting older is inevitable. Giving up on adventure isn’t.

This isn’t about building the perfect body. It’s about building a body that allows me to keep living the life I want to live.

Every workout is an investment in the experiences still ahead.

The goal isn’t just to live longer. It’s to live better.

Go far enough to feel completely alive. Come home often enough to never lose what matters most.

My Fourth Quarter — Live doing something worth living for.

10/03/2026

Should you buy a home now or wait for rates to go down?

Here’s what a real estate expert says:

With home prices and rates still high, deciding when to buy can be tricky. A real estate agent shares what to consider before making your move.

09/29/2026

FHA loans can make homeownership more accessible. 🏡

Lower down payment options and flexible credit guidelines could put your next home closer than you think.

Let’s see what you qualify for.

MortgageGuy360 | SelectRate Mortgage

09/24/2026

🏠 Waiting for lower mortgage rates? There’s another side to that equation.

Lower rates are great for affordability — but they can also bring more buyers back into the market.

More buyers = more competition.
More competition can = higher home prices.

Right now, buyers in many markets may have something they won’t have when rates improve: negotiating power.

You may be able to negotiate the price, ask for seller concessions, or even have the seller help buy down your interest rate.

Then, if rates improve later, refinancing may be an option.

The point isn’t to try to perfectly time the housing market. It’s to understand the entire equation — rate, price, competition, and negotiating power.

If you’re considering buying, let’s run the numbers and see what buying today actually looks like.

Mortgage Guy360

M2 Communities LLC Mitch Roschelle advises home buyers not to sit on the sidelines waiting for mortgage rates to fall. He says that lower rates will only drive home prices higher, recommending buyers purchase now and refinance later.

09/22/2026

🏠 RATES ARE UP. SO WHY MIGHT NOW BE A GOOD TIME TO BUY?

Because the interest rate is only one part of the deal.

Higher rates have pushed some buyers to the sidelines. That means LESS COMPETITION for the buyers who are still shopping — and MORE NEGOTIATING POWER with sellers.

Right now, buyers may be able to negotiate:

• Seller-paid closing costs
• Rate buydowns
• Repairs
• A better purchase price

Here's the part people sometimes miss:

If rates come down, more buyers may jump back into the market. More buyers can mean more competition and less negotiating power.

You may be able to refinance a mortgage if rates improve later.

But you can't go back and renegotiate the price you paid for the house.

Don't just ask, “What’s the rate?”

Ask, “What kind of DEAL can I get right now?”

If you're thinking about buying, let's run the numbers and see what today's market looks like for YOU.

Mortgage Guy 360

08/27/2026

🏡 FIRST-TIME HOMEBUYERS: Should you buy now or wait for lower rates?

It’s tempting to wait for mortgage rates to come down. But what happens if they do?

👉 More buyers may enter the market.
👉 Competition for homes could increase.
👉 Sellers may be less willing to negotiate.
👉 Home prices could rise.

Right now, you may have something that could disappear when rates fall:

NEGOTIATING POWER.

And remember:

🔑 You may be able to refinance your mortgage rate later. You can’t refinance the price you paid for your home.

Before deciding to wait, let’s look at what buying today would actually look like for you.

Message me and I’ll help you run the numbers.

Reg Gustin | Select Rate Mortgage
Mortgage Guy360

Equal Housing Opportunity 🏠

08/27/2026

Happy National Dog Day! 🐾❤️

Around here, these three are an important part of the Mortgage Guy360 team — although their productivity is questionable. 😂

They make every day a little better.

Give your four-legged family members some extra love today!

07/29/2026

🏡 Your first home may be closer than you think.

FHA financing allows qualified buyers to purchase a home with as little as 3.5% down—and it isn’t limited to first-time buyers.

Want to know what you may qualify for? Message me today, and let’s explore your options.

Reg Gustin
Mortgage Guy360
NMLS #249410

Equal Housing Opportunity. Program guidelines and borrower qualifications apply. This is not a commitment to lend.

07/23/2026

🏡 FHA Loans Can Make Homeownership More Accessible

Buying your first home may be easier than you think.

An FHA loan offers flexible qualifying guidelines and may require less money upfront than many buyers expect. Whether you’re purchasing your first home or returning to the market, FHA financing could be a great option.

FHA Loan Benefits may include:
✅ Low down payment options for qualified borrowers
✅ Flexible credit guidelines
✅ Seller concessions may be available
✅ Gift funds may be used for eligible costs

If you’re looking to buy, let’s explore whether an FHA loan is right for you.

📲 Click Learn More to get started.

Equal Housing Opportunity. Loan approval is subject to credit, income, and property eligibility. Not all borrowers will qualify. NMLS #249410

07/16/2026

🏡 Think buying your first home is out of reach because of the upfront costs? Think again.

Many first-time homebuyers are surprised to learn they may qualify for down payment assistance that can help cover both your down payment and closing costs.

That means you could:
✅ Bring less cash to closing
✅ Stop renting sooner
✅ Start building equity in your own home

Every buyer's situation is different, but there are programs available that could make homeownership much more affordable than you think.

If you've been waiting because you thought you needed a huge down payment, let's see what options are available for you.

📩 Send me a message or comment HOME, and I'll help you explore your options.

Reg Gustin
Mortgage Guy360
Select Rate Mortgage
NMLS #249410