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Aaron Sievert - Nmls#1400613 - Element Mortgage

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Wauwatosa, WI
Aaron Sievert - Nmls#1400613 - Element Mortgage

08/07/2026

Paying off credit cards before buying a home can help but don’t drain your savings to do it.

Lower balances may improve your credit utilization and reduce the monthly debt counted in your debt-to-income ratio.

But cash matters too. You may still need funds for your down payment, closing costs, and reserves.

The best move is to review the numbers before moving money around.

What would you rather improve first: your credit score or your monthly payment?

Follow for more practical homebuying tips.

08/06/2026

Scaling a rental portfolio starts with protecting cash flow

DSCR loans focus on the property’s rental income instead of your personal income.

That can help investors preserve cash, reduce qualifying roadblocks, and keep buying when conventional financing becomes restrictive.

What matters more on your next deal: cash flow or appreciation?

Follow for more investor mortgage tips.

08/04/2026

Your income may look weak on paper. Your rental property may not.

DSCR loans focus on the property’s rental income instead of traditional income documents and employment history.

For investors, that can mean fewer roadblocks and an easier path to growing a portfolio.

Would DSCR financing fit your next deal?

Follow for more investor mortgage tips.

07/29/2026

Home prices are still rising, barely.

Prices increased 0.6% from April to May and remain 1.1% higher than last year. After seasonal adjustments, prices were nearly flat.

My takeaway: This is not a housing crash. It is a slower, more balanced market.

Follow for more mortgage and housing updates.

07/28/2026

Third property. Bigger portfolio. Stronger momentum. 🏠

Congratulations to my investor client on purchasing their third investment property!

They used a DSCR loan, which qualifies primarily based on the property’s rental income instead of traditional personal income documents.

That can be a powerful option for investors who want to keep building.

Follow for more real estate financing tips.

07/24/2026

Brand new does not mean problem free.

Even new construction can have missed repairs, unfinished work, or installation issues. A professional home inspection gives you an independent look before closing and may save you from expensive surprises later.

Would you inspect a brand-new home?

Follow for more homebuying tips.

07/21/2026

Builder confidence is still stuck in the caution zone.

Homebuilder sentiment fell two points in July to 34, well below the neutral mark of 50.

Builders remain concerned about affordability, construction costs, and economic uncertainty. Buyer traffic also dropped, which may push more builders to offer incentives to move available homes.

For buyers, this creates an opening: new construction may offer more negotiation room than the headline price suggests.

Would you consider a newly built home if the builder offered closing-cost help or a lower rate?

Follow this page for practical mortgage and housing updates.

07/16/2026

A DSCR loan helps real estate investors qualify based mainly on the property’s rental income, not traditional personal income.

We compare the monthly rent to the property’s principal, interest, taxes, insurance, and HOA dues. A stronger DSCR ratio typically means stronger cash flow.

Thinking about buying or refinancing an investment property? Contact me to learn how DSCR financing may fit your goals.

07/14/2026

Inflation finally gave homebuyers a little breathing room.

June inflation came in cooler than expected. Headline CPI fell 0.4% for the month, while core inflation stayed flat.

Why does this matter?

Lower inflation can ease pressure on mortgage rates. It does not guarantee an immediate drop, but it is a step in the right direction for buyers waiting for better affordability.

Follow this page for clear mortgage and housing updates.

07/10/2026

Changed jobs? You may still be able to buy a home.

One of the biggest mortgage myths is that you need to be at your job for years before you can qualify.

The reality? Lenders care more about income stability, your career path, and your overall financial picture than the date you started your current job. In many cases, moving to a higher-paying position in the same field won't hurt your chances at all.

Every situation is different, which is why it's worth asking before assuming you have to wait.

Have you recently changed jobs or are you thinking about it before buying a home? Drop your question below or send me a message.

Follow my page for straightforward mortgage tips every week.

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Wauwatosa, WI

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