The Jackson Team

10/30/2026

Building wealth in real estate can start with a property you live in.

I help buyers explore options like an FHA 203(k) renovation loan, which can combine the purchase price and eligible repairs into one mortgage, with down payments as low as 3.5% for qualified buyers.

For an eligible two- to four-unit property, you could live in one unit and rent out the others. That rental income could help offset your mortgage payment while you make improvements and potentially build equity.

You must meet primary residence requirements, and it’s important to budget for repairs, vacancies, insurance, and maintenance. Rental income and equity growth aren’t guaranteed.

Have a property in mind? Send me the listing, and let’s talk about your financing options.

10/30/2026

When you buy a home with leased solar, your lender will take some extra steps within the loan process to make sure you qualify, the property meets requirements, and the terms of the energy agreement meet lending guidelines.

Plus, depending on your loan type, the lease payment may have to be factored into your debt-to-income ratio. Here’s the rules:

FHA

Leases do not need to be included in the qualifying ratios.

VA & USDA

Leases must be included in the qualifying ratios.

Conventional

Lease payments for solar panels may be excluded from the monthly debt payment-to-income ratio if the lease:
• Provides for delivery of a specific amount of energy for an agreed upon payment during a given period;
AND
• Includes a production guarantee under which the Borrower is compensated on a prorated basis when the energy produced by the solar panels is less than the level required in the lease agreement
OR
• Payments under power purchase agreements where the payment is calculated solely based on the energy produced

Valuation

Value can only be given to the equipment when the borrower is the owner of the equipment and the lien is secured directly to the property, with no UCC Filling. This includes when the borrower has purchased the equipment via loan or paid in full.

The appraised value should include the value of the equipment subject to neighborhood and market comparisons.

My take: Just make sure you know what you’re getting into BEFORE you sign a contract.

Looking at a home with solar? Drop your question below and I’ll answer it.

Home pictured is 7922 East 36th Place

Listed by Sonia Speck, ERA Matt Fischer Realtor.

Check out the details here: https://www.jacksonteamloans.com/FfWDlVJB

10/28/2026

🏡 REALTORS & LENDING PROFESSIONALS -YOU’RE INVITED! ☕📚

Are you looking for more ways to help your clients make the most of their home equity?

Join us for an informative FREE LIVE WEBINAR as we explore HELOCs, home equity loans, and financing options that could open new opportunities for homeowners and investors!

📅 Thursday, October 29, 2026
⏰ 2:00 PM Arizona Time
💻 Live via Zoom

✨ What we’ll cover:

✅ HELOCs & fixed-rate second mortgages

✅ Investment property equity & DSCR HELOC options

✅ Reverse mortgages & retirement planning opportunities

Whether you’re a Realtor helping clients explore their financial options or a lending professional looking to expand your knowledge, we’d love to have you join us!

📲 Reserve your spot today!

🔗 CLICK HERE TO REGISTER FOR THE FREE WEBINAR⁠

Hosted by Daniel Jackson | The Jackson Team at NOVA Home Loans
NMLS #169485

💙 Tag a fellow Realtor or lending professional who would benefit from this conversation!

Come learn about homeowner options for accessing home equity: * HELOCs and fixed-rate second mortgages * DSCR HELOC options for investment properties * Reverse mortgage options for eligible homeowners planning for retirement This is a practical conversation you can use to stay connected with past cl...

10/28/2026

Outgrowing your home but love your low mortgage rate? Selling may not be your only option.

Keeping your current home as a rental could allow you to retain your existing mortgage while purchasing a home that better fits your needs.

Start by comparing local rental rates with your full monthly housing costs, including principal, interest, taxes, insurance, and any HOA dues. Be sure to budget for maintenance, vacancies, and property management, too.

Depending on the loan program and required documentation, some rental income may help you qualify for your next mortgage.

Send us “UPGRADE” and we’ll help you explore the numbers before you decide on your next move.

10/26/2026

Found the perfect couch for your new home? Before you buy it, give us a call.

Your mortgage approval is based on a snapshot of your finances. Financing furniture, opening a new credit card or making a large purchase before closing could change your debt, credit score or available funds. That may affect your loan approval or delay your closing.

Even if a store offers no payments for several months, the new account could still affect your loan.

We know it’s exciting to plan for your new space! Let’s talk before you make a major purchase so we can help you stay on track for closing day.

10/26/2026

Most people stay average not because they pick bad investments, but because they keep making the same basic mistakes.

The boring formula that actually works: high savings rate + start early + stay consistent + low-cost diversified portfolio + zero high-interest debt.

Do that for decades and the gap closes itself.

10/23/2026

That “four easy payments” option could affect more than your shopping budget.

Buy now, pay later services split purchases into smaller installments, but several purchases can leave you juggling payments that add up quickly.

When you apply for a mortgage, those obligations may need to be considered when we review your monthly debts and ability to qualify. Even if an account doesn’t appear on your credit report, that doesn’t automatically mean it can be left out of your application.

Planning to buy a home? Before adding another payment or paying off accounts, give us a call. We can review your situation and help you understand how those payments could affect your buying power.

10/23/2026

Big housing news this week. 🏡

A new Executive Order was signed with five ideas aimed at making homeownership more affordable. Easier refis. Lower closing costs. PMI relief without refinancing. Lower rates on VA and USDA loans. And more home options down the road.

Here’s the honest part. None of this changes your loan today. These are proposals. The agencies still have to write the actual rules.

So don’t make a move based on a headline. Make it based on your real numbers.

If you want a heads up the moment any of this becomes real, comment WATCH and I’ll send you my refi watch list link. And if you know someone paying PMI or sitting on a refi, send this their way.

Daniel Jackson | NMLS #169485 | NOVA Home Loans NMLS #3087 | Equal Housing Opportunity

10/21/2026

One buyer saved $200 a month by negotiating seller concessions as part of their offer.

We helped structure the offer so the seller contributed toward a rate buydown, reducing the buyer’s monthly mortgage payment. That’s $2,400 in savings over a year.

This is why we look beyond the purchase price. How you structure your offer can make a meaningful difference in what you pay each month.

Every transaction is different. Before you make an offer, give us a call. Let’s compare the numbers and see how seller concessions could work for you.