Janice Nugent - Mortgage Planning Specialist

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Walnut Creek, CA
Janice Nugent - Mortgage Planning Specialist

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NMLS #289353, California

Divorce Mortgage Planning Specialist helping clients navigate life transitions with clarity and confidence, guiding homebuyers and homeowners with thoughtful, long-term mortgage planning.

11/04/2026

🏡 Mortgage Planning Minute: Buying a Home With Cash? Why the First 90 Days May Matter.

Thinking about paying cash for a home?

Here's something worth considering before you close.

If you purchase a home with cash and later decide to take out a mortgage, **the timing may affect how the mortgage interest is treated for tax purposes.**

Under certain IRS rules, financing obtained within 90 days of purchasing a home may qualify as home acquisition debt.

That could make the interest eligible for a deduction if you itemize and meet the applicable requirements.

But not everyone will benefit, and borrowing against a home isn't automatically the right financial move.

The bigger question is whether keeping more of your cash available makes sense for your long-term goals.

I can help you explore the mortgage options while your CPA or tax advisor evaluates the tax considerations.

Need an introduction to a tax professional? I'm happy to connect you.

Mortgage interest deductions are subject to IRS rules and limitations. Individual tax circumstances vary.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

11/02/2026

**Weekly Market Thoughts: November 2–6, 2026**

We're starting November with some encouraging signs in the mortgage market!

After a stretch of higher rates, mortgage rates moved down from their recent highs last week. The bond market has also shown some improvement, helped in part by lower oil prices.

This week brings two events worth watching: Tuesday's midterm elections and Friday's monthly jobs report.

Election results could influence financial markets as investors consider how changes in government spending and tax policies might affect the economy and interest rates.

For anyone thinking about buying a home or refinancing, this is a good example of why it's helpful to have your financing options worked out ahead of time.

You don't have to know exactly where rates are headed to start exploring what's possible. Understanding your budget, monthly payment, and available mortgage options puts you in a better position to make decisions when the timing is right.

If you're considering a move, or have clients who are, I'm happy to help you look at the numbers.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/29/2026

**Thinking Beyond House Flipping? Two Real Estate Strategies Worth Exploring.**

House flipping isn't the only way to invest in real estate.

Here are two other approaches worth considering:

🏡 **Rent-to-Own:** Purchase a property and potentially offer a tenant the opportunity to buy it later through a properly structured agreement.

🏡 **Second Home With Rental Potential:** Enjoy a property personally while potentially renting it during other parts of the year, subject to financing, occupancy, and local rental requirements.

Both approaches come with important considerations, including financing, ongoing expenses, taxes, and long-term goals.

**And not every property or financing program will work for every strategy.**

I can help you explore mortgage options and understand how the intended use of the property affects financing.

If you need an introduction to a tax professional, I can help with that too.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/28/2026

🏡 **Mortgage Planning Minute: What Happens to the Mortgage When You Inherit a Home?**

If you inherit a home that still has a mortgage, do you have to refinance it?

**Not necessarily!**

Depending on the circumstances, you may be able to keep the existing mortgage in place and continue making payments.

But there are a few things to consider:

🏡 Is there an existing mortgage balance?

🏡 Are multiple family members inheriting the property?

🏡 Do you plan to keep, rent, or sell the home?

🏡 Would refinancing make sense for your financial situation?

There are specific federal protections and mortgage rules that may apply when a home is inherited.

Before making decisions, it's important to understand your options.

I can help with the mortgage planning side and work alongside your estate planning attorney to help you navigate the financing considerations.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/26/2026

**Weekly Market Thoughts: October 26–30**

There's more happening in the mortgage market than what we hear about in the news.

This week, the Federal Reserve meeting will get plenty of attention. But mortgage rates are also influenced by inflation, economic growth, oil prices, and what's happening in the bond market.

All of these factors can affect rates differently, which is why predicting exactly where mortgage rates will go isn't always straightforward.

If you're thinking about buying a home or refinancing, the most helpful place to start is with your own numbers.

What monthly payment feels comfortable? What financing options are available? And how does your decision fit into your longer-term plans?

Those answers can be much more valuable than trying to guess what rates will do next.

If you're exploring your mortgage options, or have clients who could use some guidance, I'd be happy to help.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/22/2026

Buying a Home With Someone You’re Not Married To? Have the Money Conversation First.

Buying with a partner, friend, sibling, or family member can be a great path to homeownership.

But there's more to plan than whether you can qualify for the mortgage together.

How much will each person contribute? How will monthly expenses be divided? How will ownership be structured? And what happens if one person eventually wants out?

These aren't reasons not to buy together. They're reasons to plan together.

I can help you work through the mortgage and financing side, while an attorney can help with the legal considerations around ownership and title.

A little planning upfront can help everyone go into the purchase with clearer expectations.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/21/2026

**Mortgage Planning Minute 🏡**

**Investment Property Financing: 15-Year or 30-Year Mortgage?**

If you're buying an investment property, choosing the right mortgage term can make a difference in your monthly cash flow and long-term returns.

Here's what to consider:

🏡 **30-Year Mortgage:** Generally offers a lower monthly payment, leaving more flexibility for property expenses, maintenance, or unexpected vacancies.

🏡 **15-Year Mortgage:** Typically has a higher monthly payment but allows you to pay off the property sooner and save on total interest.

🏡 **Your Investment Goals:** Are you focused on monthly cash flow, building equity faster, or paying off the property sooner?

**Neither option is automatically better. It depends on what you're trying to accomplish.**

If you're considering purchasing an investment property, I can help you compare the financing options and determine which approach may better support your goals.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/19/2026

Weekly Market Thoughts: October 19–23

There's more to watch in the housing market this week than just mortgage rates!

New reports on home construction, building permits, and pending home sales will give us a closer look at what's happening in the housing market.

Last week's inflation numbers were higher than expected, which continues to put pressure on mortgage rates. But that doesn't mean everyone needs to put their homeownership plans on hold.

If you're thinking about buying or refinancing, it's worth looking at the complete picture. What would your monthly payment look like? What financing options are available? And how does a potential move fit into your plans?

Those are the questions that can help you make a decision that feels right for you.

If you have questions about your mortgage options, I'm happy to help you explore the possibilities.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/15/2026

How You Use Borrowed Money May Affect Its Tax Treatment

Did you know that the way you use borrowed money can affect how the interest is treated for tax purposes?

For example, if funds from a mortgage or another loan are used for qualifying investments, some of the interest may be eligible for an investment interest deduction.

This is different from the traditional home mortgage interest deduction.

There are important rules and limitations, including how the funds are used, documented, and the amount of qualifying investment income.

**The bigger point? A mortgage decision can involve more than the interest rate and monthly payment.**

I can help with the mortgage and financing options, while your CPA or tax advisor can determine whether an investment interest deduction may apply to your situation.

If you need an introduction to a tax professional or financial planner, I can help with that too.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

10/14/2026

**Mortgage Planning Minute 🏡**

**How Can a 1031 Exchange Benefit Real Estate Investors?**

Thinking about selling an investment property and buying another?

A 1031 exchange may allow you to defer capital gains taxes when you exchange one qualifying investment property for another.

But timing matters!

There are generally two important deadlines:

• **45 days** to identify potential replacement properties.

• **180 days** to complete the exchange, subject to applicable tax return deadlines.

You'll also typically need a qualified intermediary to handle the exchange proceeds.

**The goal is to keep more of your equity working for you rather than immediately paying taxes on the gain.**

If you're considering a 1031 exchange, I can help you explore the mortgage and financing options while your CPA and qualified intermediary handle the tax and exchange requirements.

If you need an introduction to a tax professional or qualified intermediary, I can help with that too.

📩 [email protected] | ☎ 925-683-0787 | 🌐 JaniceNugent.com

Address

1212 Broadway Plaza, Suite 2100
Walnut Creek, CA
94596

Website

http://JaniceNugent.com/

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