Todd Leibold NMLS# 466011, Mortgage Sales Manager

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Todd Leibold NMLS# 466011, Mortgage Sales Manager Mortgage professional since 2004. One half of Spouses Who Finance Houses. Competitive rates and fees for purchase or refinance.

How Some Areas Are Overcoming Mortgage Challenges in AmericaMortgage payments are becoming a challenge for more homeowne...
17/10/2026

How Some Areas Are Overcoming Mortgage Challenges in America
Mortgage payments are becoming a challenge for more homeowners across the country. National mortgage delinquency rates climbed to 3.53% in August 2026, with serious delinquencies jumping 19% and foreclosure inventory rising 41% compared to last year. States with higher insurance and tax costs—especially those with more FHA loans—are feeling the greatest strain. As a husband-and-wife team with over 45 years of mortgage experience, we’ve seen firsthand how quickly financial obstacles can impact families’ sense of stability. Our approach is always rooted in honest conversations and steady guidance, whether you’re navigating a first purchase, a refinance, or supporting clients as a real estate partner. In uncertain times, clear communication and thoughtful planning truly make a difference for families and communities.


https://www.housing-trends.com/agent-news/todd-leibold-1/2118763-How-Some-Areas-Are-Overcoming-Mortgage-Challenges-in-America

Innovative Solutions Boost Homebuyer Support in Florida MarketAs Floridians face an unprecedented housing affordability ...
16/10/2026

Innovative Solutions Boost Homebuyer Support in Florida Market
As Floridians face an unprecedented housing affordability crunch—thanks to soaring home prices, rising mortgage rates, and tighter lending standards—we know firsthand how challenging it can feel to make homeownership work for your family. Over our 45 years in mortgage lending, we've seen how creative solutions like buydowns and lender credits have become essential tools. While these options can make that first leap more manageable by reducing upfront payments, it’s important to remember they don’t solve long-term affordability or change qualification hurdles. At Spouses Who Finance Houses, we believe in looking out for families and guiding you through each step with honesty and heart, so you can make informed decisions about your mortgage journey.


https://www.housing-trends.com/agent-news/todd-leibold-1/2125670-Innovative-Solutions-Boost-Homebuyer-Support-in-Florida-Mark

15/10/2026

US Mortgage Refinance Myths to Know
After working with families for decades, we've seen how common it is for myths to swirl around refinancing your mortgage. Let’s set the record straight, Spouses Who Finance Houses style. First, always shop around: we recommend pulling at least three same-day quotes and comparing those APRs—not just the rates—so you get the full picture on lender fees and boost your negotiating power. Remember, refinancing isn’t free; closing costs typically run 2% to 5% of your new loan, so it’s smart to calculate your break-even point before taking the plunge. And while a lower rate sounds appealing, starting a fresh 30-year loan can reset your timeline and increase total interest over time—something we always discuss with our clients to avoid surprises down the road. If you’re worried about future plans, know that refinancing replaces your primary lien without complicating a future sale. Considering a cash-out option? Extra caution is key. And don’t forget: a credit check is part of the process. Strong credit and a DTI under 36% open the door to better offers, but even if you’ve been turned down before, improvements can make a difference. As a family guiding other families, we’re here to help you sort fact from fiction and make refinancing decisions with confidence.

14/10/2026

How Buyers Can Budget for Mortgage Rate Swings
At Spouses Who Finance Houses, we know that buying a home isn’t just about finding the right property—it’s about building a plan that can weather whatever the market brings. If you’re preparing to buy, it’s smart to test your budget against possible mortgage rate swings. For example, with 30-year fixed rates hovering near 7% right now, you’ll want to model scenarios for rates anywhere from 6% to 8%, depending on when you plan to purchase.

Here’s how that can play out: If your target monthly principal and interest payment is $2,000, and you’re looking at a 12-month timeline, your qualifying amount could range from about $327,000 at a lower rate to $268,000 at a higher one. As your closing date approaches, that spread gets smaller—about $44,000 apart at 6 months out, and $30,000 at 3 months out, for the same payment goal.

This isn’t a prediction about where rates will go—economists are signaling that near-7% mortgages may stick around for a while, and lower rates aren’t guaranteed. Instead, use this framework as a practical guide to help your family plan with confidence, no matter what the market does. Guiding families through these decisions with clarity and care is what we’re all about.

13/10/2026

How to Buy a Foreclosed Home
Navigating the world of foreclosed homes can feel overwhelming, but with the right guidance, it can also be an opportunity. Foreclosed properties are available through short sales, auctions, or as bank-owned listings, and with foreclosure filings up 21%, there’s an increase in available inventory. One of the most important steps—especially when competing with cash buyers—is securing preapproval. Keep in mind, sales are typically "as is," which means inspections are limited and auction purchases may come with additional buyer premiums. With over 45 years of combined experience helping families find the right mortgage solutions, we know that understanding these details up front is key to making a confident and informed decision. At Spouses Who Finance Houses, we believe that the right preparation opens doors, even in a challenging market.

12/10/2026

Closing Costs Can Reach 5% of Your Loan
As a husband-and-wife team with decades guiding families home, we know the fine print matters when it comes to closing costs. While many focus on saving for the down payment, it’s important to remember that closing costs—covering everything from lender and property fees to legal, tax, insurance and escrow charges—are a separate expense, paid upfront to finalize your mortgage. For most buyers, these costs typically run about 2% to 5% of your loan amount (not the purchase price), so planning ahead can make all the difference in your homebuying journey.

You’ll see charges like origination or underwriting fees, appraisal, inspection, title work, attorney costs, and prepaid taxes and insurance. Most of these fall to the buyer, though sellers cover their own side, and sometimes concessions can ease the burden—especially in a slower market. We always recommend comparing lender estimates, reviewing your final disclosure early, and asking about credits or assistance. And just like we would for our own family, we’ll help you spot duplicate fees and keep your savings protected. At Spouses Who Finance Houses, it’s all about making sure you come to the closing table fully prepared and confident.

11/10/2026

Honoring the Significance of Indigenous Day

How mortgage preapproval works and why it matters before buying a homeOne of the first steps we encourage every homebuye...
11/10/2026

How mortgage preapproval works and why it matters before buying a home
One of the first steps we encourage every homebuyer to take is securing mortgage preapproval. As a husband-and-wife team who’ve guided families through the lending process for over 45 years, we’ve seen firsthand how preapproval can make all the difference. Preapproval isn’t just a piece of paper — it’s confirmation from a lender that you’re qualified to borrow a specific amount, based on a full review of your credit, income, debt, and assets. This step strengthens your offer in the eyes of sellers, helps you move quickly when the right home appears, and typically lasts 30-60 days. It does require documentation and a hard credit check, and while it’s not a final loan commitment, it’s a powerful tool for clarity and confidence. At Spouses Who Finance Houses, we’re committed to helping families navigate each step of this journey with honest guidance and clear communication.


https://www.housing-trends.com/agent-news/todd-leibold-1/2069312-How-mortgage-preapproval-works-and-why-it-matters-before-buy

Florida Renters May Need Less Cash to Buy a Home Than Traditionally ExpectedWe often hear from Florida renters who feel ...
10/10/2026

Florida Renters May Need Less Cash to Buy a Home Than Traditionally Expected
We often hear from Florida renters who feel like a big down payment is an impossible hurdle—but the reality might surprise you. In many cases, setting aside the equivalent of just six months’ rent, combined with today’s low-down-payment loan options and possible seller or lender credits, can be enough to cover both the down payment and closing costs. For those who qualify, FHA and VA loans can make the path even smoother—sometimes requiring little or no cash at closing. After decades helping families navigate these choices, we know firsthand how a little clarity and the right lending strategy can make homeownership feel much more achievable. At Spouses Who Finance Houses, guiding families through these possibilities is at the heart of what we do.


https://www.housing-trends.com/agent-news/todd-leibold-1/2066669-Florida-Renters-May-Need-Less-Cash-to-Buy-a-Home-Than-Tradit

Mortgage preapproval vs. prequalification: Which should you choose?We’re often asked about the difference between mortga...
09/10/2026

Mortgage preapproval vs. prequalification: Which should you choose?
We’re often asked about the difference between mortgage prequalification and preapproval, and it’s a great question—especially for families navigating the early stages of home buying. Prequalification is a quick estimate of your borrowing power based on information you provide, without a credit check. Preapproval, on the other hand, goes a step further: it’s based on verified documents and includes a hard credit check, resulting in a conditional loan commitment (though it’s not a final guarantee). At Spouses Who Finance Houses, we believe that understanding these distinctions gives our clients—and our realtor partners—greater confidence as they plan for a smooth path to the closing table. Our goal is always to make the mortgage process clear, honest, and stress-free, so you can focus on what matters most: your family’s next chapter.


https://www.housing-trends.com/agent-news/todd-leibold-1/2071768-Mortgage-preapproval-vs.-prequalification%3A-Which-should-you-

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