Sherrie Bloomfield - Integrity Home Mortgage

11/01/2025

It’s that time again — 2025 style!

The only clocks you’ll actually have to change are the ones in your car and on your oven. Don’t forget to move them back 1 hour!

What will you do with your extra hour — sleep, sip, or scroll?

10/31/2025

Happy Halloween everyone! 🎃👻💀🎃

10/31/2025

Rates improved early during the week ending October 31, 2025, yet are now under pressure after Powell dampened expectations for another policy rate cut in December. Integrity Home Mortgage Corporation is an Equal Housing Lender.

Markets in a Minute

10/31/2025

This Halloween, skip the candy — treat yourself to a new home instead!

We promise… no tricks, just clear communication and smooth closings.

10/30/2025

No Ratio, No Stress!

Traditional debt-to-income rules don’t tell your whole story — and that’s okay.

Our No Ratio Loan looks beyond the numbers to help more buyers qualify.

· Up to $2M loan amounts
· Fixed & adjustable options
· Primary or second homes
· Gift funds accepted
· 401(k) & stock may count as reserves

Not available in DC, MD, PA, or WV. Minimum requirements apply.

Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program

Sherrie Bloomfield
[email protected]
(540) 974-5866

10/29/2025

October is Breast Cancer Awareness Month — a time to honor survivors, support those in the fight, and raise awareness for early detection.

Together, we stand for hope, strength, and awareness.

10/28/2025

Did you know your assets can help you qualify for a mortgage — even without a traditional paycheck?

It’s called asset-based income, and it’s designed for borrowers with strong savings or investments.

Through asset depletion loans, your accounts (like savings, investments, or retirement funds) can be used to calculate qualifying income — even if you’re not actively drawing from them.

Perfect for:
· Retirees without steady income
· Self-employed borrowers
· High-net-worth clients leveraging portfolios

Curious how it’s calculated? Let’s find out if this could work for you!

Sherrie Bloomfield
[email protected]
(540) 974-5866

10/27/2025

All eyes are on the Fed this week! The next rate decision could shift mortgage rates — up or down.

If you’re thinking about buying or refinancing, now’s the time to get your ducks in a row.

Let’s review your options before the market reacts.

What do you think the Fed will do this week?

· Cut rates
· Keep steady
· Hike again



Sherrie Bloomfield
[email protected]
(540) 974-5866

10/24/2025

Rates held mostly steady during the week ending October 24, 2025, with little data to guide the markets. Integrity Home Mortgage Corporation is an Equal Housing Lender.

Markets in a Minute

10/23/2025

The holidays are coming fast…is your budget ready?

If you have a VA loan, the VA IRRRL streamline refinance may help lower your payment before the season of giving.

· Lower rate
· Fast, simplified process
· Potential savings each month

Honoring your service means helping your dollars go further.

*Integrity Home Mortgage Corporation (IHMC) is not affiliated with or acting on behalf of or at the direction of VA or the Federal government. For informational purposes only. All Mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Sherrie Bloomfield
[email protected]
(540) 974-5866

10/21/2025

Don't forget! Fannie Mae & Freddie Mac have waived certain Loan Level Price Adjustments (LLPAs) — and Integrity Home Mortgage is on board.

Who qualifies?
• First-time* buyers (*no home in 3 years)
• Income ≤100% AMI (or ≤120% in high-cost areas)
• AUS approval with LLPA waiver

What’s an LLPA? Since 2008, it’s been an extra fee added to offset loan risk. In general, lower credit scores + lower down payments = higher risk of default — so LLPAs acted like an extra layer of “insurance.”

Bottom line: With these waivers, buying just got more affordable!

Sherrie Bloomfield
[email protected]
(540) 974-5866

10/20/2025

November is approaching. That typically marks the time when many recent grads start repaying student loans.

· Mortgage Myth: “Student loans will keep me from buying a home.”
· Fact: Lenders focus on your debt-to-income ratio (DTI) — not just your loans. Many buyers still qualify, even with student debt.

Why Buy Younger? The earlier you start, the more time you have to build equity while your loans go down — instead of paying rent.

You may be closer to homeownership than you think

Sherrie Bloomfield
[email protected]
(540) 974-5866