Jay Vallieres, NMLS 194574

09/08/2026

5.0 star review received on Experience.com for Jay Vallieres by Lindsay D - Jay was very responsive while i was searching for my home and helped lay out all the financial responsibilities for each property.

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08/10/2026

5.0 star review received on Experience.com for Jay Vallieres by Helina J - Jay helped us with our home purchase, and we had a very positive experience working with him. He was extremely helpful, responsive, and prompt throughout the process. Communication was excellent, and the documentation was handled very professionally.
We would definitely recommend Jay and Movement Mortgage to anyone looking for a smooth and supportive home financing experience.

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08/08/2026

5.0 star review received on Experience.com for Jay Vallieres by Karen M - responsive in a timely manner

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06/27/2026

5.0 star review received on Experience.com for Jay Vallieres by Robert F - Jay and summer were great and made the complicated process streamlined, props and thanks!

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05/26/2026

5.0 star review received on Experience.com for Jay Vallieres by Heather C - Jay was amazing! He helped my clients navigate preparing for a new investment property. His guidance helped them make the right choices and they were so happy with how smooth the process was from start to finish.

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05/26/2026

5.0 star review received on Experience.com for Jay Vallieres by Laurie T - Good understanding of the process each step and prompt, excellent communications.

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05/22/2026

5.0 star review received on Experience.com for Jay Vallieres by Lauren T - I went into the process knowing very little and felt supported throughout the experience . Communication was great and I felt confident in the team of people helping me that we would be able to get to closing smoothly!

05/22/2026

5.0 star review received on Experience.com for Jay Vallieres by Ivy N - Thank you Jay! You and your team went the extra mile.

04/14/2026

🏡 Did You Know?
Most major mortgage programs have the same hard rule for manufactured homes.
If a manufactured (mobile) home was built before June 15, 1976, it does not qualify for financing through:

✅ VA
✅ FHA
✅ USDA
✅ Fannie Mae
✅ Freddie Mac

Why? Homes built before that date were constructed before federal HUD building standards existed. Even if the home is in great shape, no renovations, retrofits, or engineer certifications can change its age or HUD status.
🔍 Important clarification:
Engineer certifications do help with foundation requirements on newer HUD‑code homes — but they cannot make a pre‑1976 home eligible for agency financing.

✅ So what options do exist?
Pre‑1976 homes are often financed through:

💰 Cash
🤝 Seller financing
🏦 Local bank or portfolio loans
🚚 Chattel (personal property) loans

Each comes with different terms and considerations, so it’s important to know upfront.
💡 Pro tip: Verifying the build date and HUD certification early can save buyers, sellers, and agents a lot of time and frustration.

03/26/2026

🚨 Major Condo Financing Update 🚨
Big news from Fannie Mae & Freddie Mac that opens the door for more condo approvals and fewer roadblocks for buyers and sellers.
✅ More flexible insurance requirements
✅ Easier approval for smaller condo projects
✅ Fewer issues with investor concentration
✅ More previously “non‑warrantable” condos back in play
If you or your clients have struggled with condo financing in the past, it may be worth another look.
Happy to be a resource and talk through how these changes could impact a specific condo or project. Just reach out. 👋