Dayna Black, Mortgage Lender, NMLS #2301674

10/29/2026

Knock knock... 🚪🎃 No tricks here, just a treat.

Opening Doors is officially back with IHDA, and it’s a big one for Illinois homebuyers. 👻

🏡 $9,000 toward your home purchase, a flat amount no matter the price
🍬 It’s a second mortgage that’s forgiven over 5 years
📚 Homebuyer education is required (I’ll point you to the right course)
✅ Income and purchase price limits apply

The scariest part of buying a home is usually the upfront costs. This helps with that. 🧡

Reach out to see if you qualify!

10/28/2026

Three scary myths about buying a home 👻

🎃 “I need 20% down.” Nope. Some programs let you buy with as little as 3%, and some offer zero down.

👻👻"I need perfect credit.” Not necessarily. Programs like FHA are built for buyers with less-than-perfect credit.

💀 “The process is way too complicated.” It can feel that way, but my job is to make sure you understand every step before you take it.

The only thing scary about house hunting is not knowing your options.

Share this with someone who needs to hear it! 🧡

10/08/2026

That new car might fit your budget…

But it could still get in the way of buying a house.

When you apply for a mortgage, mortgage professionals look at your monthly debt. A new car payment adds to that debt and can potentially lower how much home you qualify for, even if you have good credit.

So if buying a house is on your radar, talk to me 𝗯𝗲𝗳𝗼𝗿𝗲 you head to the dealership.

The order matters.

Send this to someone thinking about buying a car AND a house.

10/06/2026

A low rate is great, but it's not the only thing that decides if a home fits your budget. 🏡
Before you fall in love with a house, don’t just ask: “What interest rate can I get?” Also ask: "Can I comfortably afford this payment every month?"

To answer that, we need to look at the full picture:
🏠 Home price
💵 Down payment
📋 Property taxes
🛡️ Home insurance
🏘️ HOA fees

Sometimes the seller can even help with part of your closing costs. 🙌

A payment that fits your life matters most. 💛

Want to see what your real monthly number looks like? Reach out anytime, I'm happy to walk through it with you.

09/04/2026

Have some fun this weekend!!☀️😎🏖️ 🏐

08/26/2026

Your home isn’t just where you live - it’s a financial tool. 🏡💰 Many homeowners don’t understand how much the equity in their home can do for them.

Here are the top 5 reasons homeowners are tapping into their equity right now:

💰 Consolidating high-interest debt
💰 Funding home improvement projects
💰 Cash to purchase an investment property
💰 Covering education expenses
💰 Starting a business

If any of these sound like something you’ve been thinking about, I’d love to walk you through what might be available. You can also quickly check online - close in under 7 days, 100% online, no appraisal required.

https://heloc.neighborhoodloans.com/neighborhoodloans/dayna-black/signup

Reach out anytime 😊 happy to answer questions, no pressure at all.

07/24/2026

We’re #1 in Illinois for helping families secure down payment assistance! 🏡🥇

Neighborhood Loans was just recognized by the Illinois Housing Development Authority as the top DPA lender in the state for 2025. That’s 633 families helped into homes that might’ve felt out of reach otherwise.

Down payment assistance is real, and it works. If “I don’t have 20% saved” has been holding you back, let’s talk about what’s actually possible for you.

Reach out to see if a DPA program is right for you 🏠

We’re proud to recognize the lenders who helped the most homebuyers across Illinois in 2025!
Thanks to their hard work and dedication, hundreds of Illinois families now have a new place to call home. Their commitment to expanding access to affordable housing continues to make a meaningful difference for communities across our state.

Congratulations to our top-performing partners: Neighborhood Loans Inc., Fairway Home Mortgage, Rate - Guaranteed Rate, Flat Branch Home Loans, and New American Funding/

Thank you for helping Illinois residents achieve the dream of homeownership!

07/03/2026

As we celebrate America's 250th birthday, I think about how the American Dream has evolved with every generation.

1776 was about freedom. The Industrial Revolution brought opportunity. After WWII, it became homeownership. And today, we're all still writing the next chapter together.

Homeownership is never just about buying a house. It's about building communities where people live, work, raise their families, and build something to pass down.

Today’s market is not always easy. Affordability and housing supply are real challenges. But every generation before us faced obstacles that once seemed impossible and found a way through. I get to see it happen with families every day, and it's still my favorite part of this job. ❤️

To this next generation of builders, lenders, realtors, and future homeowners out there: let's keep building the Dream, together.

What does the American Dream mean to you and your family?

Happy 250th birthday, America! ❤️🤍💙

06/01/2026

Here’s what you DON’T need when thinking about buying a house:

*You don’t have to have it all figured out.

*You don’t need a perfect credit score.

*You don’t need 20% saved up.

*You don’t even need to know what you’re doing yet.

That’s 👆what I’m here for. 😊

If you’ve been quietly wondering “could I actually buy a house right now?” - the answer might just be yes!

Let’s talk. 🏡

05/18/2026

📉 Rate Recap & Outlook: Still elevated, but today gave us something to watch 👀
Rates have been under serious pressure lately. Last week’s 10yr Treasury hit its highest closing level since early 2025, which tells you how tough this environment has been. Today was a rollercoaster, markets opened with cautious optimism around peace talk developments, then headlines pushed back all afternoon, and THEN Trump posted at 3pm that a planned military operation was cancelled and that serious negotiations are now underway. Bonds rallied on that news and rates finished the day essentially unchanged. Not a win, but not a loss either. The tone heading into the rest of the week feels more hopeful than it has in a while.

🔑 3 Things I’m Watching This Week:

• Iran Negotiations: This is still the whole ballgame. Trump’s 3pm post that a deal “will be made” is the most direct signal we’ve seen yet. If talks progress, expect rates to respond quickly and meaningfully. One negative headline though and we go the other way fast.
• Oil Prices: Crude dropped on today’s news and briefly dipped under $100. Oil cooling down = inflation pressure easing = better environment for mortgage rates. Every dollar lower matters right now.
• Wednesday’s FOMC Minutes: The Fed’s April meeting notes drop Wednesday afternoon and could shake things up mid-week. Any language around inflation will put upward pressure on rates regardless of what’s happening overseas.

Rates are still elevated. But this week has more potential for positive movement than we’ve seen in a while. If you’re closing soon, locking now protects you. If you have time on your side, we’re watching every headline and can move fast when the window opens.