Amber Moser, Certified Mortgage Advisor NMLS #1996946

Amber Moser, Certified Mortgage Advisor NMLS #1996946 NMLS #1996946 🏡 Certified Mortgage Advisor AR/OK/MO/TX/AL
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The dream of homeownership is a goal many individuals and families have to achieve a sense of stability, financial security, and pride in owning a place to call home. The journey to purchasing your first home, second or fifth can be filled with questions and unique situations. While this only happens a handful of times for most people, for me, I coach and advise people daily to make those goals a reality.

09/01/2026

The quick and dirty of VA Loans…

08/18/2026

Did you know there are different payment strategies to help you build more equity as you pay off your mortgage?

This is a conversation I try to have with all of my borrowers. Especially first time, buyers and individual individuals who are curious if a 15 year might be a better fit than a 30 year. I’m a Mortgage Loan Officer license in Arkansas, Oklahoma, Missouri, Texas, and Alabama. If you need someone to get nerdy with the numbers, I’m your gal!

Amber Moser, Certified Mortgage Advisor NMLS #1996946

buildwealth

08/13/2026

Is a Good Faith Estimate outdated?

08/11/2026

We’re back baby! First Car Line Classroom of the year! This year, I really wanna focus on the questions that you have about all types of mortgage situations. So please do not hesitate to reach out with those directly to me put them in the comments below, and we will try to get those answered as quickly as we can.


08/04/2026

Pay full price: $3,260/mo
Negotiate $10k off the price: $3,185/mo. Saves $75 a month.
Keep the price, take $10k in seller concessions toward your rate instead: $3,086/mo. Saves $174 a month.

Same $10,000 from the seller. One version saves you $75 a month, the other saves you $174. That’s the part most buyers never get shown. And concessions are exactly what sellers are offering in this market. Two years ago you couldn’t ask for any of this. You were waiving inspections and bidding over list.

For everyone waiting on a crash: since 1942 the US has been through 13 recessions. National home prices declined in only 2 of them. Every other recession, including the early 80s when rates hit 16%, prices held or rose. The 2008 crash is the exception in 83 years of data, not the pattern.

Waiting for prices to correct usually means watching the leverage you have right now disappear. The buyers winning in this market aren’t timing it. They’re using it.

If you want to see what these numbers look like on a home you’re watching, that’s what a strategy call is for.

This is not an offer to lend and this is for educational purposes only.

NMLS #1996946

Amber Moser, Certified Mortgage Advisor NMLS 1996946

07/24/2026

Buying your first home is the biggest purchase of your life and most people go in blind.

15 free modules. Self paced. Listen while you fold laundry or mow the yard if reading isn’t your thing.

https://losethelease.com/lo/amoser

07/24/2026

Mortgage Advisor > Preapproval Vending Machine

Amber Moser, Certified Mortgage Advisor NMLS #1996946

arkansas realestate MortgageTips

07/21/2026

👀 new sunroof means new background! Let’s do this! Mortgage Market Update - July 21, 2026! interestrates

06/29/2026

Mortgage Market Update 6/29/26

If you want a plan to purchase or prep to refi, let’s chat!

05/07/2026

Raw video, real talk. No makeup, just hopefully some encouraging truth.

I got this thought on the way home from school drop off and wanted to share it in hopes that someone finds it encouraging.
I had a client get denied for a mortgage two years ago. Instead of giving up, they put in the work. Built their credit, reduced their debt, got a raise, improved their DTI, and saved money. Today they’re back and ready to buy.

No doesn’t mean never. It means not yet.

My job is to give you the tools and resources to understand the process so you know exactly what you need to do to get to a qualified position. But here’s the hard truth. Nobody’s gonna do it for you.

If you’re not making your payments, not working on your credit score, and spending everything you make every month with nothing going to savings, you’re going to stay stuck. And that’s not a judgment. I don’t fault anyone for starting from zero when it comes to financial knowledge. But staying there? That’s a choice.

You can own a home. Let’s build a plan to get you there. 🏡

Address

Highway 112
Springdale, AR
72762

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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