Amie Dail, Home Loan Consultant

09/10/2026

Selling a home with a reverse mortgage is possible, and understanding what happens to the loan can make the process feel much clearer.

When the home is sold, the reverse mortgage balance generally becomes due and is repaid from the proceeds of the sale. Any remaining equity after the loan and applicable selling costs are satisfied belongs to the homeowner or their estate.

For some homeowners, selling may be part of downsizing, relocating closer to family, or simply choosing a home that better fits retirement needs. Knowing how a reverse mortgage works when plans change can help homeowners make informed decisions with greater confidence.

Borrowers remain responsible for property taxes, insurance, and upkeep while the reverse mortgage is in place. Every situation is different, so taking time to review the loan and available options can help determine the right next step.

09/08/2026

People often ask whether they need to own land before they can get a construction loan. The answer is not necessarily.

There are different ways to approach land and construction financing. Some borrowers already own the land where they plan to build, while others may be able to purchase the homesite and finance the land and construction as part of the same transaction. In other situations, land may be purchased separately before construction financing begins.

The right approach can depend on the property, construction budget, builder, timeline, available equity, and loan program.

Construction financing can vary significantly by lender, so it's worth having the financing conversation early. I'm happy to walk through the available options and help you understand how the land and construction may fit into the overall financing plan.

09/08/2026

🪛🔨Are you a DIYer or a hire-someone-else-to-doer? Either way, share with me which room you've been dreaming of remodeling. 😀

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09/06/2026

In a competitive market, being prepared can give you an important advantage when the right home comes along. 🏡 Getting preapproved helps you understand your budget and shows sellers that you’ve already taken an important step toward securing financing. That means you can house hunt with greater confidence and be ready to act when it matters. If buying a home is on your radar, send me a message and let’s get your preapproval started! 📲💬

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09/05/2026

Real estate marketing has come a long way, but some things never change, especially the importance of making homes stand out. 🎬🏡 It’s pretty wild to think one of the most recognizable landmarks in the world started as an advertisement for a housing development.

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09/05/2026

For many buyers, the first time they see a home isn’t at a showing, it’s on a screen. 📸🏡 Great listing photos can highlight a home’s best features, capture attention, and help buyers decide which properties they want to see in person. If you’re preparing to sell, working with an experienced real estate agent who knows how to showcase your home can make a meaningful difference. A strong first impression can start long before a buyer walks through the front door.

09/05/2026

📈📉Will the Fed raise rates or stay pat on 9/16? The markets think it's a 50/50 call. Yet the latest ADP data was even weaker than the previous month, and inflation has been fairly tame. What could tip the balance? The CPI report coming out on 9/11.

National news and local views for the week

09/03/2026

Building a home is an exciting opportunity, and asking the right questions early can help set expectations for the entire project. Topics such as construction financing, builder timelines, customization options, project costs, and the overall building process are all worth discussing before construction begins.

Having these conversations early can help buyers make informed decisions and feel more confident throughout the building journey.

09/03/2026

Homeownership isn't reserved for couples or families. More women are achieving this milestone on their own and building a strong financial foundation for the future. 🏡 If buying a home is one of your goals, understanding your financing options is a great place to start. I'd love to help you explore what's possible and create a plan that fits your needs. Send me a message, and let's take the first step together! 📲💬

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09/01/2026

As homeowners make mortgage payments and property values change over time, home equity may grow. For some homeowners, a cash-out refinance offers the opportunity to refinance an existing mortgage while accessing a portion of that available equity.

Depending on individual goals and qualifications, those funds may be used for home improvements, debt consolidation, education expenses, or other financial priorities. Understanding how a cash-out refinance works can help homeowners determine whether it aligns with their current financial goals.

If you're interested in learning more about your home equity or available refinancing options, I'm happy to answer questions and help you explore what may be available.