Loan Sherpa - Clint Madison

10/30/2026

Pop quiz. What credit score do you need to buy a home?

If your answer was B) 660 or C) 700 … you’re not alone. A lot of people believe you need "perfect" or “near perfect” credit.

But you probably don’t need as high a credit score as you think.

Even though a Veterans United survey shows 57% of would-be buyers think you need at least a 660, the long-standing benchmark for Fannie Mae and Freddie Mac loans is 620, and even that isn’t a hard rule for every loan.

So the real answer? Both A) 620 and D) “it depends” are right.

And with all the changes to credit models lately, even more people will be able to buy than before.

Don’t let myths keep you locked into a lease. Let’s find out where you actually stand.

10/30/2026

Here's what you need to know in today's changing credit climate...

Quick, what credit score do you need to buy a home? If a number pops into your head, there's a pretty good chance it's wrong.

10/21/2026

5.0 star review received on Experience.com for Clint Madison by John B - Clint was attentive and handled everything efficiently to ensure a smooth transaction. Would recommend.

10/15/2026

Home sales may be slower than last year. But that doesn't mean buyers have disappeared.

At the current pace, almost 4 million homes are expected to sell this year. That's about 11,000 each day, 450 an hour, and nearly 8 every minute.

Why? Because even in this market, there are still buyers out there who have a reason to move.

People get new jobs, families grow, people retire, downsize, and move closer to the people they love. And those changes create buyers and sellers in every kind of market.

In fact, the latest report from NAR shows sales actually ticked up slightly in September, even though they're still below last year's pace.

The media wants your rapt attention - they thrive on adversity and nothing attracts more eyes for them like fear. Don't let a headline dash your confidence to keep moving forward, toward your dreams and goals. Sellers are finally negotiating much more these days. If you plan to move, now is a great time to snag some opportunities that didn't exist before.

10/06/2026

Over half of homes (60%) are selling below their original asking price right now. That stat has held steady for about a year and a half.

With affordability still tight, having room to negotiate on price will take some of the biggest financial pressures off your move.

Where you've got the most pull comes down to the neighborhood. Let's chat, and we'll pinpoint where you can push hardest.

10/06/2026

Good news if you're house hunting: the asking price may not be the final word. Right now, about 60% of homes are selling below their original asking price. With budgets stretched thin, a little give on price or terms can take some pressure off your wallet. But how much you can negotiate depends on where you're buying. So, let's chat about what you can ask for in the neighborhoods you're eyeing.

09/29/2026

The number of homes for sale just reached its highest point since 2019.

That gives you the most choice you’ve had in 7 years.

With affordability still so tight, having that many options opens up your odds of finding a home you love that still works for your budget.

Want to see if you qualify for what’s on the market in your desired area? DM me the price point you’re looking at to get started.

09/29/2026

If you're lucky enough to be house hunting now, you've got more homes to choose from than have been available in years.

Right now, the number of homes for sale is the highest it's been since 2019. That's basically back to pre-pandemic normal – so there's more to pick from, and it's easier to find one that fits your budget. So, if you’re ready, it's a great time to find your home and negotiate a deal you'll feel good about.

09/14/2026

Need to move, but worried you missed the window to buy or sell your house until next year or next spring? Don’t count yourself out of the market so fast.

About a third of all home sales happen in the last four months of the year – and that share has been growing every year since 2023.

Based on the forecasts, that means roughly 11,800 houses are expected to sell every single day between now and the end of December.

The buyers are out there, and sellers are more apt to negotiate so they can also be ready to move before the new year. Let’s connect to discuss your strategy.

09/09/2026

Homes priced under $250,000 saw sales drop 2-3% compared to last year, while homes priced above $750,000 saw sales climb by double digits (see graph)

Ask a couple people how the housing market is doing and you’ll probably get a couple different answers. That’s because right now, the market runs on 2 very different tracks, split by price point.