Bridgett Neto - Loan Officer

03/31/2026

Buying your first home? Avoid these 7 common mistakes 👇

A lot of buyers don’t find these out until it’s too late… but you don’t have to learn the hard way.

Save this before you start house hunting 🏡

03/23/2026

🤔 Still think you need 20% down to buy a home? Not quite. Different loan programs offer much lower options than most people expect. Here’s a quick breakdown of the minimums. ⤵️

03/23/2026

Take a look at this beautiful, newly listed condo! It won't stay on the market long. Call Mikeneto.realestate to schedule a showing!

Welcome home to this beautiful ranch condo in Scott Lake Cove offering comfort, space, and convenience. This home has been completely updated with too many improvements to list and is truly a must see. The great room features cathedral ceilings and a gas fireplace, creating a warm and open living area perfect for relaxing or entertaining.
The bright kitchen provides plenty of cabinet space and storage, while the primary suite offers a vaulted ceiling, spacious closet, and private bath. The second bedroom includes a charming bay window bringing in natural light.
The unfinished basement with rough plumbing for a bathroom provides endless possibilities to customize the space. Additional features include a 2-car garage, generous deck off the great room, and laundry area with stackable washer/dryer, sink, and storage.

03/11/2026

Wednesday Wisdom 💡

A lot of buyers plan for the down payment, but forget about closing costs.

Closing costs usually run about 2–6% of the purchase price and cover things like the appraisal, title work, lender fees, and escrow.

The good news? Buyers don’t always have to pay all of it themselves.

A few ways to lower out-of-pocket costs:
✔ Ask for seller concessions to help cover closing costs
✔ Look into down payment or closing cost assistance programs
✔ Structure your offer strategically with your lender and agent

Most of the time, there are ways to make the numbers work so buyers aren't bringing as much cash to closing as they expected.

If you're thinking about buying and want to see what the numbers would actually look like for you, feel free to reach out. I’m always happy to run the numbers.

02/17/2026

💡 Tip Tuesday: VA Assumable Loans = Hidden Opportunity

Did you know some homes with a VA loan can be assumed by a new buyer?

That means instead of getting a brand-new mortgage at today’s rates, a buyer may be able to take over the seller’s existing VA loan rate. 👀

Why does that matter?
Because if the seller locked in a lower rate a couple of years ago… that rate could transfer with the loan.

A few things to know:
• The buyer does NOT have to be a veteran (in some cases)
• The buyer must qualify with the lender
• The difference between the sales price and loan balance must be covered
• It can be a powerful marketing tool for sellers

This is one of those strategies most buyers are not even asking about yet.

Curious if a home you’re looking at has an assumable loan? Send me a message and I’ll help you dig into it. 🙂

02/16/2026

Freedom, leadership, and the American Dream!

Presidents Day is more than a long weekend and mattress sales.

It’s a reminder that this country was built on the idea of opportunity. The chance to own land. To build something. To create stability for your family.

Homeownership is still one of the most powerful ways to build long-term wealth in America.

Whether you’re buying your first home, upgrading, investing, or just exploring your options, this is a great time to revisit your goals and make a plan.

If owning a home is on your radar this year, let’s talk strategy. Message me “PLAN” and we’ll map out your next move. 💬

02/13/2026

Think you can’t qualify for a mortgage because your income is “too low”? Think again.

Did you know you may not even need traditional income to qualify?

If you have substantial assets sitting in retirement accounts, investment accounts, or savings, there’s a strategy called an asset depletion loan that can use those funds to help you qualify instead of pay stubs.

This can be a game changer for:
• Retirees
• Self-employed borrowers
• Investors
• Anyone living off assets instead of W-2 income

You worked hard to build those assets. They can work for you.

Curious if this could apply to you? Send me a message or comment “ASSETS” and I’ll reach out to see if it’s a fit.

02/12/2026

These are not suggestions. 😅 If you’re under contract or thinking about buying soon, save this. Your future self (and your loan officer) will thank you.

02/11/2026

Want to boost your buying power?💸

Keep your debt low and your savings growing. 🌱 Message me for a step-by-step home readiness checklist!

02/09/2026

✨Good news for buyers and homeowners! 🏠

Mortgage rates have come down and are hovering near their lowest levels in three years. We’re seeing more stability, more opportunities, and more options for buyers and refinancers.

While we may not see dramatic drops, experts are forecasting slow, steady improvement through 2026. Even small shifts in rates can mean real monthly savings and better buying power!

Translation:
If you’ve been waiting on the sidelines, this could be a smart time to revisit your plans and see what’s possible.

Curious what today’s rates could mean for your situation? DM me and let’s run the numbers!

01/26/2026

Your homeownership journey starts today, not tomorrow!

Your path to homeownership starts with small steps taken today. 🚶‍♀️ Ask me how to take your first step.