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Amber Moser, Certified Mortgage Advisor NMLS #1996946

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Springdale, AR
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.

11/03/2026

Could a HELOC be the answer to your cash flow problems?

11/02/2026

Mortgage Market Update 11/2/2026: Rates improved last week, but buyers are still trying to solve the payment. Purchase applications bounced 4%, ARM usage reached its highest share in more than a year, and nearly 45% of buyers are receiving seller concessions nationally.

So I’m less interested in asking, “What’s the rate?” and more interested in asking, “What does the payment need to be?”

Seller credits, buydowns, ARMs, down-payment strategy and builder incentives can all change the conversation. I broke down the numbers and a few real examples in this week’s full Mortgage Market Update at MortgageWithMoser.com.

10/22/2026

What shows up on your credit report—and what doesn’t?

When we pull your credit for a mortgage, we’re not just looking at your credit score.

We’re looking at your debts, because they directly affect how much home you can qualify to buy.

It’s called your debt-to-income ratio (DTI).

We compare your required monthly debt payments, including your proposed mortgage payment, to your qualifying monthly income.

Think about it this way: Two people could make the exact same income, but if one has a $900 car payment and the other doesn’t, they could qualify for very different mortgage payments.

And here’s where things get interesting.

Not every financial obligation appears on your credit report.

Affirm payments, IRS tax debt, child support, and other obligations can still affect your qualification—even when they aren’t showing on credit.

For VA buyers, childcare expenses also matter because they can reduce residual income.

On the flip side, your groceries, utilities, streaming subscriptions, and other everyday expenses generally aren’t included in your mortgage DTI.

That’s why pulling credit is so important.

It gives us a starting point for understanding your existing debt, and your application helps us fill in the gaps.

Because I don’t just want to tell you how much house you qualify for. I want to help you understand the numbers and build a mortgage strategy that actually works for you.

Want to understand the full picture? Visit MortgageWithMoser.com.

Amber Moser
Loan Officer | Gershman Mortgage
NMLS #1996946
(479) 871-6849
[email protected]

MortgageStrategy

10/20/2026

A mortgage strategy call isn’t just an option to me anymore. I want every client to feel empowered to have a mortgage strategy that aligns with their goals for monthly payment, cash to close and their short/long term goals. And I think I’ve gotten too quiet about this but being able to do this process well for clients starts with referrals coming in the right way.
- warm introduction
- consult call to establish trust and rapport to feel comfortable working together
- application and credit pull
- mortgage strategy presentation email and then call

Every client that goes through, this is feels confident in how they need to move forward, even if that means continuing to rent and wait.

If you’re in need of a mortgage or you have a client that is in need of a mortgage, we would love to help you out!

Amber Moser
NMLS #1996946
Text or Call 479–871–6849

10/19/2026

Mortgage Market Update 10/19/2026: Rates gave us a little breathing room last week, but buyers are still feeling the payment, and that is showing up in mortgage applications.

At the same time, builders are offering more incentives, buyers have more choices, and there may be more room to structure a deal than people realize.

A few tools I’m using with buyers right now:
• Rate Sale through November 1, 2026
• Lock & Shop for up to 120 days
• Closing Cost Calculator to help agents and buyers understand what the numbers could look like before writing an offer

The goal is not to sit around waiting for some perfect market. It is to figure out what works now and use the tools available to us.

Agents, if you want my Closing Cost Calculator, text me and I’ll send it over.

Amber Moser | Gershman Mortgage
NMLS #1996946
479-871-6849 | [email protected]

MortgageStrategy

10/05/2026

Mortgage Market Update 10/5/2026: Mortgage rates finished last week near the top of their 52-week range, even after weaker-than-expected jobs data initially gave the bond market some relief. Mortgage News Daily’s 30-year fixed national average ended Friday at 7.57%, with FHA at 7.20%, VA at 7.21%, Jumbo at 7.66% and the 7/6 SOFR ARM at 6.85%.

At the same time, the market has changed its mind pretty dramatically about the Fed. CME FedWatch now shows about a 76% chance the Fed leaves rates alone on October 28, although markets are still pricing a strong chance of another move later this year.

This week I’m watching the Fed minutes. Next week, inflation data becomes the bigger story.

For buyers, this is exactly why I don’t love building a home-buying plan around waiting for one Fed meeting or one headline. Start with numbers that work today, protect the deal when it makes sense, and if the market improves later, we adjust.

09/29/2026

9/29/26 - Car Line Classroom
what to do with all of that money that you’re getting in seller concessions right now.
Step 1. Get preapproved with Amber
Step 2. find property
Step 3. Amber and your agent collab on negotiating and using seller concessions to save you $$$!
Step 4. 😌

09/24/2026

Buying your first home can feel like you’re supposed to understand mortgages before you even get started.

You’re not.

You don’t need to know mortgages. You need to know the next play.

For a first-time buyer, I don’t want to start with “What’s the most you can qualify for?” I want to know what payment actually feels comfortable, how much cash you want to use, what you want to keep in savings, and what you’re trying to accomplish.

Then we build the financing around that.

By the time the right house shows up, you should already know what you’re comfortable doing and have a plan for how to do it.

If buying a home is somewhere on your radar for the next year, this is exactly what we work through in a mortgage consult. You do not have to wait until you’re ready to make an offer to start the conversation.

First-time homebuyer questions, mortgage preapproval, down payment planning, and home financing strategy for buyers in Northwest Arkansas and beyond.

Amber Moser
Mortgage Loan Officer | Gershman Mortgage
NMLS #1996946 | Company NMLS #138063
479-871-6849
[email protected]
Licensed in AR, MO, OK, TX & AL

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

Address

123
Springdale, AR
72762

Opening Hours

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

Website

https://www.gershman.com/loan-officers/amber-moser/, https://calendly.com/amoser-gershman, http://mortgagewithmoser.com/

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