Todd Bultman, Senior Loan Officer, Certified Mortgage Advisor, NMLS 1484950

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Todd Bultman, Senior Loan Officer, Certified Mortgage Advisor, NMLS 1484950 PRMG NMLS #75243 Equal Housing Opportunity, Product and service availability may vary by state. https://www.nmlsconsumeraccess.org/

Thank you for taking the first step in the process of home ownership. I have been in the mortgage industry since 2001 and have worked on both the sales and servicing side of the mortgage industry. If there is a question about any of the different steps along the way, chances are I will be able to explain what is happening. I happen to love being a loan officer because I feel fulfilled when I can help someone achieve the dream of homeownership. I am also a CMA CERTIFIED MORTGAGE ADVISOR™ which is the standard of excellence in the mortgage industry. I am a father of 5 children, and we keep very active within our church, school and the community we live in. I have a passion for sports and that has been passed along to all of my children as they are involved in baseball, football, basketball, soccer and cheerleading. I am here to serve you when it is convenient for you. I don’t consider this a 9-5 job, but I am here when you need me. If it’s a pre-approval on a weekend, or a call after work in the evening, I can help you out. I look forward to helping you navigate your way through the home buying process.

Read the full article to stay in the know
21/10/2026

Read the full article to stay in the know

20/10/2026

Got my eye on the perfect home — and my pre-approval’s ready to strike!
Getting pre-approved before house hunting means you can move fast and confidently when your dream home hits the market.

The home appraisal is getting a makeover, and if you're buying or refinancing this fall, it's worth knowing about.First,...
20/10/2026

The home appraisal is getting a makeover, and if you're buying or refinancing this fall, it's worth knowing about.
First, a quick refresher: an appraisal provides an independent estimate of a home's value. For a mortgage, it helps the lender evaluate whether the property supports the loan.
Now the report itself is changing. Fannie Mae and Freddie Mac, which back many conventional home loans, are introducing a new appraisal format called UAD 3.6. It's designed to:
• Adapt to the type of property being appraised
• Put photos alongside the details they support
• Replace shorthand codes with plain-language descriptions
Here's the timeline:
October 1, 2026: PRMG started ordering appraisals in the new format for standard conventional loans backed by Fannie Mae and Freddie Mac, ahead of the requirement.
November 2, 2026: appraisals submitted for those loans are required to use UAD 3.6.
FHA, VA and USDA loans follow their own timelines, which haven't been finalized yet.
For most buyers and homeowners, there's nothing extra you need to do. Your lender orders the appraisal in the format your loan requires. If you're already in the process, I'm happy to let you know whether this change affects your loan.
What I like about this update: you'll typically receive a copy of your appraisal, and the new format is designed to make it easier to see how your home's value was determined. When you get yours, it's worth a few minutes to check that the property details are right, that recent upgrades are reflected and that the comparable homes make sense for your area. If anything looks off, bring it to me.
Have a question about appraisals? Send me a message anytime.
Know someone with a home purchase or refinance on their fall to-do list? Share this with them.

More than 6 in 10 Americans think they have to put 20% down to buy a home, but that misconception could make homeownersh...
20/10/2026

More than 6 in 10 Americans think they have to put 20% down to buy a home, but that misconception could make homeownership feel further away than it actually is. 🏡 There are loan programs with a variety of down payment requirements, and knowing what options you may qualify for can give you a much clearer picture of your path to buying.

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+12623977096

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