Travis Waters - NMLS# 150593

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Travis Waters - NMLS# 150593 Union Home Mortgage Corp. NMLS #2229, LO NMLS #150593, IN 11940, IL 031.0037220, MI 150593, FL LO54532. Equal Housing Lender. is an Equal Housing Lender.

nmlsconsumeraccess.org
“Illinois Residential Mortgage Licensee” (219) 246-2478 | nmlsconsumeraccess.org | 8241 Dow Circle, Strongsville, OH 44136 | 800-767-4684 | Union Home Mortgage Corp. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, s*x, handicap, marital status, s*xual orientation, gender identity, familial status (having children under the age of 18), age (if old enough to enter a contract), because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act.

Not every home upgrade automatically means a higher appraised value. 🏡Appraisers consider a number of factors, including...
10/15/2026

Not every home upgrade automatically means a higher appraised value. 🏡

Appraisers consider a number of factors, including the home’s condition, comparable sales, location, and how certain improvements are valued in the local market.

So before tackling a renovation solely to increase your home’s value, it’s worth understanding the bigger picture.

Have questions about how an appraisal fits into the mortgage process? Let’s talk!

10/14/2026

A little bit at a time can add up to more than you think. 💰🏡

If homeownership is one of your goals, try setting aside a manageable amount each month specifically for your future home fund. You may be surprised by how quickly consistent saving starts to add up.

You don’t have to do everything at once — sometimes you just have to start.

Temporary Buydown Options for BuyersA little breathing room during your first few years of homeownership? Yes, please!Wi...
10/12/2026

Temporary Buydown Options for Buyers

A little breathing room during your first few years of homeownership? Yes, please!

With a temporary rate buydown, you may be able to enjoy lower monthly mortgage payments for the first 1–3 years, depending on the program.

That could mean more flexibility as you settle into your new home.

Curious how it works? Let's run the numbers and see whether a temporary buydown makes sense for you!

Higher rates don’t always mean it’s the wrong time to buy. Less competition, more time to make a decision, and the poten...
10/09/2026

Higher rates don’t always mean it’s the wrong time to buy. Less competition, more time to make a decision, and the potential to refinance later are all reasons it may still make sense to explore your options.

The right time to buy is when the numbers and the home make sense for you.

Let’s talk and see what’s possible!

10/08/2026

“I’m waiting for rates to come down.”

Okay…but what happens when everyone else decides to buy at the same time?

Less competition today could mean more negotiating power. Don’t just watch the rate, watch the opportunity.

Fall might be one of the most overlooked times to buy. 🍂🏡If I were buying this fall, I’d focus less on trying to perfect...
10/06/2026

Fall might be one of the most overlooked times to buy. 🍂🏡

If I were buying this fall, I’d focus less on trying to perfectly time the market and more on finding the right opportunity. Knowing my numbers, watching homes that have been sitting a little longer, and looking beyond just the purchase price when it comes time to negotiate.

The right house + the right strategy can make all the difference.

Thinking about buying this fall? Let’s talk through your options and build a game plan.

Appraisals can be one of the most confusing parts of the homebuying process. 🏡One common misconception? Appraised value ...
09/24/2026

Appraisals can be one of the most confusing parts of the homebuying process. 🏡

One common misconception? Appraised value and market value are always the same.

They can be different — and understanding the role an appraisal plays can make the mortgage process a lot less intimidating.

Have questions about appraisals or what happens after you’re under contract? I’m always happy to help break it down.

More opportunities, more financing solutions. Higher loan limits in 2027 could help make homeownership possible for even...
09/24/2026

More opportunities, more financing solutions. Higher loan limits in 2027 could help make homeownership possible for even more buyers! Contact me to learn more. 🗝️

Temporary Buydowns for SellersSelling your home? A price reduction isn't your only option!Offering a temporary rate buyd...
09/22/2026

Temporary Buydowns for Sellers

Selling your home? A price reduction isn't your only option!

Offering a temporary rate buydown could help make your home more attractive to buyers by reducing their initial mortgage payments.

Before you lower your asking price, let's explore how seller concessions could work in your favor.

Reach out to see what options may be available for your listing!

Things that make perfect sense to mortgage lenders… but sound insane to everyone else. “You paid off that debt?!”Normal ...
09/16/2026

Things that make perfect sense to mortgage lenders… but sound insane to everyone else.

“You paid off that debt?!”
Normal reaction: 🎉
Lender reaction: “Okay… but HOW did you pay it off?”

During the mortgage process, even a good financial move can come with a few follow-up questions. Before making any big moves with your money, give your lender a quick call first.

We promise, there’s a reason we ask. 🏡

Address

15 N Franklin Avenue Suite 120A
Valparaiso, IN
46383

Telephone

+12192862211

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