Scarlett Roger Mortgage Team

11/04/2026

Apparently, “my friends know what I do” is NOT a marketing strategy. 😂🤦‍♀️

So here I am, putting my pride aside and my competitive side to work! 🏆 This week’s challenge: ask my friends for THREE introductions to people thinking about buying, selling, or refinancing.

You know somebody who knows somebody… and I’m somebody you know! 🤣

Send me a DM or, with their permission, put us in a group text. I’ll take great care of them! ❤️🏡

Help your girl win—don’t make me start reviewing this friends list. 😂😉

Scarlett Roger | Edge Home Finance
NMLS #1877247 | Company NMLS #891664
Equal Housing Opportunity

11/03/2026

🇺🇸 TOMORROW IS ELECTION DAY! GO VOTE! 🗳️

I don’t care how busy your schedule is tomorrow. Please make time to get out and VOTE!

🏡 LET’S KEEP HOMEOWNERSHIP AFFORDABLE!

This isn’t just about us. It’s about our children, our grandchildren, and the generations that come after us.

The rising cost of homeownership is already making the American Dream harder to achieve for so many families. We need to pay attention to decisions that could affect housing affordability for years to come.

Educate yourself on Amendment 3 and make your voice heard at the polls!

🇺🇸 YOUR VOTE MATTERS. OUR FUTURE MATTERS.

11/01/2026

The mad scientist has been at work!! Built out three apps over the past week. Getting ready for the big launch!

Claim your reward for your service. Local deals for heroes, from Heroes Housing.

11/01/2026

**Own a business that honors heroes?** Get listed **FREE** — and our first 20 Tampa Bay businesses can lock in **Featured for 50% off ($24.50/month)**: the big flame pin, top of your category, front and center where heroes are looking. Call our office at (813) 722-0683 to claim your spot.

Heroes Housing has helped 2,890 heroes since 2015 — this is one more way we say thank you. 🇺🇸

Please **share this** with a hero who should see it!

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10/23/2026

What a week in Detroit! 🏙️💙

I spent this week at UWM with some of the most amazing realtor partners anyone could ask for. We sat in sessions packed with new ideas, walked the riverfront, ate way too much good food, and laughed more than we probably should have at a work event. 😄

This business can feel like a lot sometimes, but weeks like this remind me why I love it. It’s the people. When your lender and your realtor are truly on the same team, families get home faster and with a whole lot less stress.

Thank you, UWM, for an incredible event. And to my realtor partners: I’m so grateful for every one of you. Same time next year? ❤️

10/08/2026

We have an amazing VA a couple of different VA’s and another country that can do some amazing things because of the market and some people getting out of the market. I hate to see them not being utilized so if you have any interest in somebody that could run your websites run your CRM‘s do your marketing for six dollars an hour inbox me or say Interested and I’d love to set you up I’d hate to see these people that are so amazing to be affected by our economy. Scarlett RogerKevin J. Roger Heroes Housing Assistance

10/01/2026

🏡 WAITING FOR RATES TO COME DOWN? Don’t look at the rate alone.

There’s a much bigger conversation happening for Florida homebuyers right now.

✔️ More opportunity to negotiate in some situations
✔️ Seller concessions may help with eligible closing costs or a rate buydown
✔️ Permanent vs. temporary 2/1 buydowns can create very different payment strategies
✔️ And now Florida’s proposed Homestead property-tax changes could make timing even more important for buyers already planning to purchase.

Florida voters will decide the proposed constitutional amendment in November. If approved, qualifying homeowners who maintained Florida permanent residence by December 31, 2026 and establish Homestead could receive an exemption of up to $150,000 in 2027 and $250,000 in 2028 from non-school property taxes.

That’s why I keep saying:

❤️ Marry the house.
📉 Date the rate.
💰 Structure the financing.
🏡 And understand the TOTAL cost of homeownership.

If buying a home is already in your plans, don’t automatically sit on the sidelines waiting for the “perfect” rate. Let’s run the numbers and see what actually makes sense for you.

👇 Comment OPTIONS or message me and I’ll walk you through the possibilities.

Scarlett Roger Mortgage Team | Edge Home Finance
📱 813-900-5917
NMLS #1877247 | Branch NMLS #2459303
Edge Home Finance NMLS #891964 | Equal Housing Opportunity

Mortgage examples shown in the video are samples for educational purposes only and are not current rate quotes or commitments to lend. Rates, APR, pricing and program availability are subject to change and qualification. The property-tax amendment is proposed and requires voter approval. Actual Homestead eligibility and tax savings vary. Future property values, interest rates and refinancing are not guaranteed.

10/01/2026

🏡 BUYING A HOME IN FLORIDA BEFORE THE END OF THE YEAR?

Before you automatically escrow your property taxes and homeowners insurance, there’s one question you may want to ask:

👉 “Do I qualify to waive my escrows?”

With potential changes surrounding Florida homestead property taxes, buyers closing toward the end of the year should understand exactly how much is being collected for taxes at closing—and why.

💰 Your TRIM notice may not equal your final tax bill.
🏦 Escrowed money is still YOUR money.
📆 If your taxes ultimately change, your escrow account may need to be adjusted later.
🔑 If you qualify to waive escrows, you may have the option to manage those funds yourself.

But remember: waiving escrows does NOT waive your taxes or insurance. You become responsible for budgeting and paying those bills when they’re due.

Escrow isn’t bad—and waiving it isn’t right for everyone. The important thing is understanding your options BEFORE you get to the closing table.

📲 Comment or message me “ESCROW” and I’ll help you understand whether an escrow waiver may be available for your loan.

Scarlett Roger | Edge Home Finance
NMLS #1877247

Loan programs and escrow-waiver eligibility vary. Property-tax proposals are subject to voter approval and implementation. Educational purposes only; not tax or legal advice.

09/28/2026

🏡 MONDAY MORTGAGE MARKET UPDATE
The Positive in Today’s Market ❤️

There’s a lot of noise about interest rates right now, but I want to talk about something different: the opportunities this market is creating for buyers.

Yes, rates are higher—but buyers have some negotiating power that we simply didn’t see a few years ago.

🏠 More homes to choose from in many areas
🤝 Opportunities to negotiate purchase price
💰 Sellers may contribute toward closing costs or rate buydowns
🔑 Down-payment assistance may be available for qualified buyers
🇺🇸 FHA, VA, USDA and conventional options give us different ways to structure financing
❤️ And for our teachers, nurses, firefighters, law enforcement and military families, we can also explore programs designed specifically for our Heroes.

Affordability is the key.

I don’t want to simply tell you how much you’re approved to spend. I want to understand what monthly payment you’re comfortable with and how much money you want to bring to closing.

Then we can work backward and look at your buying power, today’s rates, the property, available assistance and what we may want to negotiate from the seller to help reach those goals.

The market doesn’t have to be perfect for you to find the right opportunity.

At the Scarlett Roger Mortgage Team, we believe Knowledge is Power! ❤️ Our job is to educate you on your options and empower you through the homeownership process.

📲 813-900-5917

TampaBayRealEstate

09/28/2026

A lot can happen on a day! Driven by speed with a focus on excellence! Our team is better than it’s ever been! Reach out to us if you know anyone looking to buy or refinance! ❤️