Adam Carney Mortgage NMLS# 1099997

06/03/2026

🏡 Quick homebuying myth I want to clear up:

You do not need a 700 credit score to buy a house.
In fact, FHA financing may be available with credit scores as low as 580 with 3.5% down.

I've talked to a lot of first-time buyers across Middle Tennessee who assumed they were years away from buying a home when they were actually much closer than they thought.

If you're trying to improve your score, focus on the basics:
✅ Keep credit card balances low
✅ Pay every bill on time
✅ Don't close old accounts
✅ Don't open new accounts unless necessary
✅ Check your credit reports for errors

That's most of it.

Credit improvement is usually a lot less mysterious than people think.

If you've been wondering whether homeownership is realistically in reach, let's talk. I'd rather help you build a plan based on real numbers than have you spend another year guessing.

📩 Send me a message or give me a call.

For my friends in compliances: Adam Carney, NMLS #1099997 | Equal Housing Lender

03/05/2026

🚨 The new First Mortgage website is officially live!

We built it to make things simpler for Middle Tennessee homebuyers — whether someone is just starting to explore or ready to talk with a loan officer.

You’ll find:
• Our loan officer team
• Helpful homebuyer resources
• Market insights
• Easy ways to connect

Take a look and tell us what you think 👇
🔗 https://firstmortgage.loans

10/29/2025

The Fed cut rates again today… so why will mortgage rates get WORSE? 🤔

Quick reality check: A Fed rate cut does not equal lower mortgage rates. Today’s 0.25% cut was widely expected, which means the bond market had already priced it in - and some of you have been able to take advantage over the last week - great job! When today's announcement came, bonds moved predictably—and not in our favor—pushing mortgage rates slightly higher in the short term.

So what does it mean?

✅ Short-term (weeks): Expect some volatility
✅ Long-term (months): The overall trend toward the end of the year still looks downward for mortgage rates
✅ Big picture: Timing and strategy matter more than headlines

If you're house hunting, refinancing, or just trying to make sense of the noise—don’t get caught reacting to clickbait finance posts. This is a market you have to navigate, not guess at.

I’m watching rates and bonds daily—so when opportunities open up, you're the first to know.

📲 Call me or answer when I call! Let’s be ready when the window opens.

Send a message to learn more

08/22/2025

📊 Mortgage Rate Watch: Inflection Point

A couple weeks ago I shared how mortgage pricing was tightening into a consolidation pattern — and that usually means a breakout is coming. Well, here it is.

On the heels of Powell hinting that a September rate cut is likely, mortgage bonds broke higher today. That’s the kind of move that often marks a shift toward lower rates.

💡 In plain English: Rates may finally be easing — and momentum is building. Buyers and sellers, this is one of those moments to watch closely.

🎥 Watch my video from earlier today for some much-needed context on why this move matters.

08/22/2025

📉 Rates. Rates. Rates. 📉

There’s a lot of noise about mortgage rates moving — here’s what’s actually happening and why it matters.

In this quick update I break down:
👉 the real factors driving rates
👉 why the latest inflation hiccup shook things up
👉 and what it all means if you’re buying or refinancing

🎥 Hit play below - this one’s worth a listen.

And while you’re here, don’t forget to follow this page so you never miss the next update.