Unitas Lending Brent Starts

10/18/2026

Homeownership Tips - Mortgage Pre-Approval Basics
Let’s connect and talk about the latest insights in the industry!
https://www.housing-trends.com/agent-news/brent-starts/373058-Homeownership-Tips---Mortgage-Pre-Approval-Basics

10/17/2026

How Some Areas Are Overcoming Mortgage Challenges in America
As someone who's spent over two decades guiding clients through the mortgage landscape, I keep a close watch on trends that could impact homeowners. Recently, national mortgage delinquency rates have climbed to 3.53% as of August 2026. Even more concerning, serious delinquencies are up by 19% and foreclosure inventory has jumped 41% year-over-year. We're seeing the greatest financial strain in certain states, particularly for those with FHA loans—often due to the rising burden of insurance and tax costs. At Unitas Lending, helping clients navigate these shifts and understand the factors affecting their homeownership journey has always been a core part of my mission here in Stuart, Florida.


https://www.housing-trends.com/agent-news/brent-starts/2118763-How-Some-Areas-Are-Overcoming-Mortgage-Challenges-in-America

10/16/2026

Innovative Solutions Boost Homebuyer Support in Florida Market
As someone who’s been helping Floridians navigate the mortgage landscape for over 20 years, I’ve seen how high home prices, rising interest rates, and tough lending standards have made it increasingly challenging to afford a home here. Recently, tools like buydowns and lender credits have become critical supports for buyers, offering temporary payment relief upfront. While these options can provide much-needed breathing room at the start, it’s important to remember they don’t address the long-term cost or make qualification easier. At Unitas Lending, our focus remains on guiding clients through these complexities so they can pursue home ownership with clarity and confidence.


https://www.housing-trends.com/agent-news/brent-starts/2125670-Innovative-Solutions-Boost-Homebuyer-Support-in-Florida-Mark

10/15/2026

Three Ways to Keep Mortgage Payments Current
With over two decades of helping homeowners navigate their mortgage journey, I’ve seen firsthand how easy it is for financial stress to creep in—even for those who feel confident about their mortgage. A recent lender’s study revealed that 51% of U.S. homeowners carry credit card debt each month, and 67% feel overwhelmed. Despite 89% feeling secure about their mortgage, only 48% feel truly in control of their finances. It’s a reminder of why budgeting is so crucial.

If you’re looking to keep your mortgage payments on track, start by taking a clear look at your actual monthly cash flow. Distinguish between true necessities and areas you can temporarily trim. Measure any shortfall precisely, and always prioritize your mortgage before smaller budget issues become bigger problems.

If you anticipate a hardship that could disrupt your payments, don’t wait—reach out to your mortgage servicer early. There are potential solutions, from repayment plans and forbearance to loan modifications or other forms of assistance. If you’re considering consolidating card balances with home equity, remember that steady income and strict repayment discipline are essential. And if the hardship is more than temporary, sometimes an early voluntary sale is the best way to preserve your hard-earned equity.

At Unitas Lending, we’re committed to helping clients in Stuart, Florida, and beyond make informed decisions about their home financing. Staying proactive and informed is always the best path forward.

10/14/2026

Brent and Pam were incredible to work with. We had a quick 15 day turn around and they made it work!...
Let’s connect and talk about the latest insights in the industry!

10/14/2026

How Buyers Can Budget for Mortgage Rate Swings
As someone who's spent over two decades helping clients navigate the mortgage landscape, I know how important it is to plan for rate changes when budgeting for your next home. Right now, with 30-year fixed rates hovering around 7%, it’s wise to stress-test your payment scenarios. Here’s a practical approach: consider today’s rate as your base, and look at potential swings—plus or minus 100 basis points if you’re 12 months out, 75 at 6 months, and 50 at 3 months. For a $2,000 monthly principal-and-interest target, that could mean qualifying for about $327,000 on the low end or $268,000 on the high end if you’re buying in a year. As your timeline shortens, the gap narrows—about $44,000 at 6 months and $30,000 at 3 months. Remember, this isn’t a forecast, but a framework to help you set realistic expectations. Economists note that near-7% mortgages might be the new normal for now, and future drops aren’t guaranteed. At Unitas Lending, my focus is always on keeping you equipped for wherever the market moves next.

10/13/2026

How to Buy a Foreclosed Home
With over 20 years guiding clients through the maze of home financing, I've seen interest in foreclosed properties rise—especially with foreclosure filings up 21%, which means more inventory on the market. If you're considering a purchase, foreclosed homes are available through short sales, auctions, or directly from the bank. Remember, these sales are typically 'as is,' so inspections may be limited and auctions often come with additional buyer premiums. One tip from my experience: getting preapproved is essential if you want to compete with cash buyers. At Unitas Lending, we focus on making these complex transactions as smooth as possible for homebuyers in Stuart, Florida and beyond.

10/13/2026

High-Value Home Financing Tailored to Your Needs
Jumbo and specialty loans provide flexible financing for luxury homes, unique properties, and high-value real estate investments.
https://www.roomvu.com/services/page/jumbo-specialty-loans?agent_profile_name=brent-starts

10/12/2026

Closing Costs Can Reach 5% of Your Loan
One aspect of the mortgage process that often surprises homebuyers is closing costs. With more than 20 years in the mortgage industry—and as the owner of Unitas Lending—I’ve seen firsthand how these expenses, which are separate from your down payment, can add up quickly. Typically, closing costs in the U.S. run about 2% to 5% of your loan amount (not the purchase price), and they’re paid upfront to finalize your mortgage. These charges cover everything from lender and property fees to legal, tax, insurance, and escrow requirements.

Common costs include things like origination or underwriting fees, appraisal, inspection, survey, title work, attorney expenses, recording fees, prepaid taxes, insurance, and initial escrow funding. Buyers are usually responsible for most of these, while sellers have their own set of costs—though in a slower market, you might see concessions or credits worked into the deal (sometimes in the form of a higher offer price).

From my experience, it’s important to compare lender estimates, review your closing disclosure well before signing, and ask about possible credits or assistance. Always watch out for duplicate charges or fees that might strain your savings. Thoughtful preparation helps ensure your path to homeownership is as smooth as possible.

10/12/2026