Sam Wagner at Rate NMLS 2561484

10/15/2026

10/14/2026

How you juggle your payments could help you in the home buying process! Having these three types of credit open could help you get the loan you need.

10/14/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/dOWFH7qdJi3/vEdJR



NMLS # 2561484

10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/dOWFH7qdJi3/23DYl



NMLS # 2561484

10/13/2026

Always happy to answer questions through every step of the home buying process. Ready to get started? Reach out today!

10/08/2026

If you always run the cards up, they will not raise your limits. They make high interest on the limit they already gave you. Keep balances low for months and limits usually move about every 6 months. Rule: never put more on cards than you could pay off from savings in 6 months. Keep a small balance on at least one card so utilization still “works.” Paid-down cards could take 1–3 months to lift the score.

10/08/2026

Don’t go into your mortgage blind. A loan estimate gives you a preview of what your financing will look like, including the loan terms, interest rate and estimated payment. If mortgage lingo sounds like another language, I’m here to help.

Expand your homebuying vocabulary with our helpful guide or reach out to ask specific questions.
https://myoc.io/dOWFH7qdJi3/Zqd4Y



NMLS # 2561484

10/07/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/dOWFH7qdJi3/gFg1I



NMLS # 2561484

10/05/2026

Happy World Teachers’ Day to teachers everywhere!

10/05/2026

Instead of waiting for the market to give you a sign, find what makes sense for you. Remember, there’s no universal green light signaling it’s time to buy your home. I can help you evaluate your finances, goals and timeline alongside your market’s activity to see when your best moment is.
https://myoc.io/dOWFH7qdJi3/gNXsH



NMLS # 2561484