Amy The Lending Lady

Amy The Lending Lady NMLS #2060645 I have joined forces with The Force Group
Address: 15450 New Barn Rd. Miami Lakes, FL 33014
NMLS: 1739326
Equal Housing Lender
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Whether you're a first-time buyer, long-time homeowner, or planning your next move, homeownership is a milestone worth c...
06/03/2026

Whether you're a first-time buyer, long-time homeowner, or planning your next move, homeownership is a milestone worth celebrating. Here's to building strong communities, one home at a time! My brokers and loan officers work hard to assist you! They have my full support too!

05/28/2026

Thursday Thoughts

I am surprised to find that there are a lot of experienced mortgage professionals that still do not understand the Non-QM sector. Non-QM loan products do not follow the standard TRID guidelines. If a loan doesn't qualify because of TRID you have not lost a loan. It may qualify for Non-QM funding. I understand that there are a lot that understand this but, I am surprised by the ones that don't. If you want to learn more let me know.
Follow me for more mortgage tips and advice!

04/27/2026

Condensed Summary (Author: Fergal McAlinden)
Florida’s condo market, which suffered a sharp correction in 2025 due to soaring fees, insurance costs, and climate‑risk concerns, is showing early signs of stabilization in 2026.

Naples led the improvement, with February condo sales jumping nearly 40% year‑over‑year, while Miami‑Dade and Palm Beach also saw stronger activity in the $400K–$500K price range. Prices remain mostly flat, and inventory—though still elevated—has tightened.

Mortgage loan officer Kelly McBride notes that buyers appear more confident this year as they adjust to current mortgage rates and a more predictable market. Retirees and second‑home buyers from Northeastern and Midwestern states continue to drive demand, many paying cash, though mortgages remain common as buyers prefer to keep funds invested.

Still, major obstacles persist:

Rising HOA fees and mandatory repair assessments

Escalating insurance premiums tied to weather‑related risks

Stricter building regulations for pre‑1995 structures

Lender scrutiny of condo association financial health

A major surge in purchases isn’t expected soon, but higher inventory and softer prices mean motivated buyers currently hold more negotiating power. For those seeking low‑maintenance living in areas like Naples, condos may offer strong value right now.

I have experienced brokers can assist you. Or would like to work with my team and I?  AIME Association of Independent Mo...
04/22/2026

I have experienced brokers can assist you. Or would like to work with my team and I?
AIME Association of Independent Mortgage Experts Jan Hoover Ditrapano Broker Amy Hass

04/08/2026

April is the start of Quarter 2 and NAMB's 2nd big event of the year - ADVOCACY DAY!

Your NAMB association has a full lineup of April events designed to keep you informed, connected, and positioned for what’s ahead.

Register today for April events:
namb.org/events

And don’t forget — Advocacy Day is happening THIS MONTH. If you plan to be in Washington, D.C., now is the time to secure your spot and make sure your voice is part of the conversation shaping our industry’s future.

These events are not just calendar fillers. They are where policy updates are discussed, strategies are sharpened, and relationships are built with professionals who are committed to the long game.

Mortgage careers are strengthened by consistent engagement and a seat at the table when decisions are being made.

Not a NAMB member yet?
Join us and support your business and our industry: namb.org

📌 Save this so you can reference it throughout the month.

Link in comment to view all upcoming events and register.

Which April event is on your calendar? Will we see you in Washington DC? Comment below if you are attending!

04/08/2026

Condo financing is changing and the professionals who understand it first are the ones who stay in control of the deal.

We put this together so you don’t have to piece it all together yourself. This kit gives you ready-to-use graphics, captions, and a Realtor cheat sheet so you can clearly explain what’s happening and guide your clients through it with confidence.

Download the graphics, share them on your social media, and help your clients understand what these changes mean for approvals, timelines, and their overall mortgage experience.

And here’s the opportunity most brokers miss…

Brokers are always wondering how to start more conversations with Realtors. This is it.

• Send these to your Realtor partners so they can post them on their own social media.
• Use them as a reason to reach out.
• Walk into condo open houses already knowing what questions to ask.

This brings value. This is how you can show up.

Today, condo financing is still a hot topic:
• More condos require full reviews
• HOA reserves are under more scrutiny
• Insurance and property conditions matter more than ever

These deals are still happening. They just require a more informed approach and the brokers who lead with that are the ones getting the calls.

Download. Share. Start the conversation.

Link in comment.

This is exactly what NAMB does for you. Giving you the tools, resources, and advocacy to stay ahead and grow your business.

Become a member at namb.org and click the red “Join” button.

02/27/2026

Just a little knowledge for today!
Happy Friday Everyone!

Glen Weinberg of Fairview Commercial Lending told Mortgage Professional America he doesn’t see affordability issues easing if the government doesn’t address its swelling deficit, which has ballooned to nearly $700 billion.

“All of the proposals are short-term fixes,” he said. “The fundamental issue is government spending leading to deficits, which is driving up mortgage rates.

“It’s important to note that mortgage rates aren’t set by the government. They’re derived from the 10-year Treasury. If the government could get its fiscal house in order, mortgage rates would come down, which would spur the housing market.”

Persistent deficits and higher government spending have proven an important part of why 10-year Treasury yields have jumped since the 2010s. That’s partly because the Treasury has to issue more bonds when the federal government runs big deficits, with foreign central banks – especially China – becoming less aggressive buyers.

02/23/2026

Good day everyone! I am an Account Executive at HomeXpress Mortgage Corp. I would love the opportunity to work with you! Stop wasting your time trying to find out where to place you loan! If you are not doing Non-QM and lending in all of our 46 states, that we are approved to lend in, then you are leaving money on the table. I can teach you how to farm for leads! Let's make 2026 a great year!

Amy Hass
Kenny Hass

02/10/2026

Business ManagementSmall Biz Owner
Published: December 6, 2016 Updated: November 6, 2025
Sleep and Productivity: Here’s How Science Says It’s Linked
Kathy Simpson

Tags for this article: wellness
Running a small business can be demanding, and you’ve probably found yourself working late into the night on more than one occasion or unable to sleep due to the stresses of the day. Naturally, this can erode your ability to be a productive small business owner.

If so, you’re not alone. More than one-third of American adults are sleep-deprived.

But to give each day their best, adults need seven to eight hours of sleep each night. Getting less than the required amount of sleep can affect your health, your mood and your brain’s ability to function—and the longer you go without the sleep you need, the more the harmful effects compound.

So it pays to make sleep a priority every night of the week, even if you need to cut back on your work time to do so. Here’s what science has to say about sleep, why you should make it a priority and how to make sure you get the ZZZs you need.

What Happens When You Sleep?
Sleep is a mysterious and complex part of our lives, and not at all the passive state it appears to be. Some functions of the body and brain are actually more active during sleep than they are during waking hours, busily performing a collection of housekeeping tasks necessary for health and homeostasis.

During sleep, your brain consolidates the information you have taken in during the day, cementing new memories in long-term storage. It also clears away toxins that have built up in your brain during your waking hours that could otherwise lead to neurodegenerative diseases, such as Alzheimer’s.

The rest of your body also undergoes its own nightly tune-up as you sleep. The immune system is strengthened, tissue and nerve cells are renewed and repaired, and hormones are synthesized. When you get the right amount of rest, you awaken with your body restored and ready to take on the demands of a new day.

The Sleep Research Society says that sleep influences nearly all of the body’s molecular, cellular, physiological and neurobehavioral processes. Meeting our bodies’ need for sleep is essential to life, health and productivity.

Why Should You Make Sleep a Priority?
Sleep’s most obvious benefit is energy. With a good night’s sleep, your mind is alert and your body is responsive and resilient. You can learn more quickly and better remember what you learned. Your judgment is more likely to be on target, and your reaction time optimized. On the other hand, lack of sleep can negatively affect your mood and your ability to think and function. Your productivity and your creativity are likely to be compromised as a result. This can translate into being less responsive to customers and employees, and less effective as a leader. You’re also more likely to make mistakes and have accidents.

Over time, lack of sleep can have consequences to your physical health. Heart disease, high blood pressure, weight gain, diabetes, depression and anxiety are among the many conditions that have been linked to insufficient sleep.

How to Get the Sleep You Need
Although cutting into your sleep time may give you more time to get things done, making you feel more productive, the reverse is actually true. Getting your seven to eight hours of sleep in each night is a wellness formula for you and your business. These suggestions can help you get the sleep you need.

Stick to a schedule.
Go to bed and get up at the same time every day, even on weekends. This will keep your internal clock, or “circadian rhythm,” regulated. This tells your body when to sleep, rise and eat, and also controls body temperature, blood pressure and the daily release of hormones. When your sleep schedule is disturbed, such as by jet lag or from staying up late or sleeping in, your circadian rhythm can be disrupted, and sleep can become elusive until the rhythm is reestablished.

Dim the lights.
Your brain has receptors that sense light and dark, helping you to fall asleep at night and wake in the morning. Light promotes wakefulness by inhibiting the production of melatonin, the hormone that is released in preparation for sleep. To set the stage for sleep, avoid bright light after dusk, and dim the lights you do use.

Put electronic devices away.
Experts believe that cell phones, computers, tablets and televisions are a leading contributor to America’s epidemic of sleeplessness. The short-wavelength or “blue” light these devices emit is the most melatonin-suppressive of all artificial light. Some newer-model smartphones and computers have a night shift option that softens the light emitted at night. Another option, of course, is to put the devices away an hour before bedtime.

Set the right bedroom conditions.
A healthy sleep environment is relaxing, peaceful and cool (60-67 degrees is optimal). Your room should also be dark. Use blackout shades to maintain darkness, and make sure you have a good mattress and pillow that are free of allergens.

Exercise regularly.
Moderate to vigorous activity on a regular basis can improve sleep quality and also help you feel less sleepy during the day. Just be sure to not exercise too close to bedtime. It may have the unwanted effect of energizing you rather than helping you fall asleep.

Watch what you consume in the evening.
Avoid big meals that can cause digestive discomfort and make it difficult to sleep. Limit how much you drink before bed to prevent having to get up in the middle of the night. Be cautious with stimulants, such as caffeine and ni****ne, as they can keep you up. Also avoid alcohol after dinner. It may help you fall asleep quickly but tends to disrupt sleep in the middle of the night.

Practice relaxation.
Try different relaxation exercises once you’re in bed. Mentally relax your body, beginning with your toes, feet and ankles and gradually working your way up to your shoulders, neck and head. Repeat several times. Another option is to breathe deeply at a slow and controlled rate for five or 10 minutes until you drift off to sleep.

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