Dejana Veseli, Loan Officer NMLS ID# 1749777

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Dejana Veseli, Loan Officer NMLS ID# 1749777 Loan Officer NMLS ID # 1749777
Madison Mortgage NMLS # 1862796

Mortgage broker with 12+ years of experience helping buyers, homeowners, and real estate agents across North Carolina and neighboring states find the right loan — not just any loan. As a broker with Madison Mortgage Services, I have access to 40+ wholesale lenders — which means more options and better outcomes for my clients across North Carolina and beyond. Whether you're buying your first home, refinancing, or navigating a complex scenario — I'll find a way. (586) 899-4924 | [email protected]

NMLS #1749777 | Madison Mortgage Services NMLS #1862796
Join my free Facebook group for homebuyers and homeowners

🎃 TRICK OR TREAT 👻Some homebuying “rules” sound scary, but they’re really just myths in a costume. Swipe to see what’s h...
28/10/2026

🎃 TRICK OR TREAT 👻
Some homebuying “rules” sound scary, but they’re really just myths in a costume. Swipe to see what’s hiding behind the mask ➡️

Buying a home from Mom, Dad, or Grandma? The equity they give you can count toward your down payment. That’s a family treat!

Veterans, your VA benefit isn’t one-and-done. You can use it again, and sometimes you can even have two VA loans at the same time!

First-time buyer worried about saving up? Between state programs and help from some lenders, your down payment might not be the monster you think it is.

Thinking about refinancing? You may not need a pile of cash to close. In many cases, you can add your closing costs into the new loan, whether you’re paying off debt, taking cash out, or dropping mortgage insurance.

The only truly scary thing? Trying to figure it all out alone. 😱 As a mortgage broker, I shop 40+ lenders to find the loan that fits YOU. No tricks, just treats. 🍬

👇 Which slide surprised you the most? Tell me in the comments!

Thinking about using down payment assistance (DPA)? Read this first. DPA can be a great tool for some buyers, but not al...
07/10/2026

Thinking about using down payment assistance (DPA)? Read this first.

DPA can be a great tool for some buyers, but not all down payment assistance is created equal.

Most DPA is a second loan, and those loans are handled different ways. Some are forgiven over time. Some are paid back when you sell or refinance. Some have a monthly payment. True grants exist, but they’re rare. And some programs depend on available funding.

That last one is REALLY important.

You could qualify, get pre-approved, and even get under contract… and if the program’s funds run out before the assistance is reserved for your loan, you may lose it.

😬 That’s not something you want to find out halfway through a purchase.

Before choosing a DPA program, make sure you understand:
✔️ Is it a grant or a loan?
✔️ When does it have to be repaid?
✔️ What happens if you refinance or sell?
✔️ When are the funds reserved for you, and how long does that last?
✔️ What happens if the money runs out?
✔️ Can your lender offer this program? Not every lender is approved for every one.

And remember, down payment assistance doesn’t mean you’ll bring nothing to closing. You’ll still have earnest money, your due diligence fee, the inspection, and the appraisal along the way.

The goal isn’t just to get you into a home with the least amount of money down. It’s to make sure you understand the loan you’re getting into.

rs

06/10/2026

🚨 VA LOAN UPDATE FOR VETERANS 🚨

Have a collection account on your credit report? Don’t automatically assume it means you can’t qualify for a VA loan.

VA recently clarified how lenders calculate certain non-medical collections when there’s no payment arrangement.

The old calculation could mean a $10,000 collection was counted as $500/month.

Under the updated calculation:

$10,000 collection
➡️ 5% = $500
➡️ ÷ 12 months = $41.67/month

That’s a HUGE difference when we’re looking at your debt-to-income ratio and residual income.

And no, having a collection doesn’t automatically mean you have to pay it off to get a VA loan.

There are still underwriting requirements, and lender requirements can vary depending on the overall file.

So if you’re a veteran who was previously told your collections were keeping you from qualifying, it may be worth taking another look. 🇺🇸

Send me a message and let’s run the actual numbers under the current VA guidelines.

Conforming loan limits may be climbing again 📈Swipe to see what it could mean for your home search →Some wholesale lende...
24/09/2026

Conforming loan limits may be climbing again 📈
Swipe to see what it could mean for your home search →
Some wholesale lenders are already originating loans against an estimated $847,440 limit for 1-unit conventional & VA loans — up from $832,750. Heads up: this isn’t official yet — it’s pending confirmation from the Federal Housing Finance Agency (FHFA). Multi-unit limits are expected to rise too.
Once FHFA makes it official (historically late November), FHA usually follows with its own updated limits shortly after.
Buying or refinancing in NC and want to know what this could mean for your numbers? Send me a message.

Rates are climbing again, and we’re getting close to that 7% psychological line… So I’m curious… Would a 7% mortgage rat...
10/09/2026

Rates are climbing again, and we’re getting close to that 7% psychological line…

So I’m curious…

Would a 7% mortgage rate stop you from buying a house?

Or would you buy the right house now and worry about refinancing if rates improve later?

Swipe through — Slide 2 breaks down what’s actually moving rates right now, and Slide 4 lays out what each choice really means before you decide.

Home equity, two different ways to borrow it. 🏡 HELOC (home equity line of credit) works like a credit card backed by yo...
07/09/2026

Home equity, two different ways to borrow it. 🏡

HELOC (home equity line of credit) works like a credit card backed by your home — you get a credit line, the rate can move up or down, and you draw what you need, pay it down, and borrow again.

HELOAN (home equity loan) hands you one lump sum at closing with a fixed rate and a set monthly payment, same as a traditional mortgage.

Which one fits depends on whether your costs are one-time or ongoing, and whether you want flexibility or certainty. Swipe through for the full breakdown 👉

Thinking about tapping your equity? happy to walk through which option makes sense for your situation.

— D.

Grateful I didn’t have to clock into a factory shift at age five — my job at that age was being the world’s shortest, mo...
04/09/2026

Grateful I didn’t have to clock into a factory shift at age five — my job at that age was being the world’s shortest, most unqualified babysitter to my younger siblings. As the oldest of six, I basically ran a daycare before I could tie my shoes. Big respect to the workers who came before us and built the roads, schools, and communities we get to enjoy this weekend.

Take the nap, you’ve earned it.

Have a safe and relaxing Labor Day weekend 🙌🫶🏻

Do you REALLY need a garage in the Carolinas? 🏡We don’t have the brutal winters up North that make a garage feel like a ...
03/09/2026

Do you REALLY need a garage in the Carolinas? 🏡

We don’t have the brutal winters up North that make a garage feel like a necessity… so is it still a must-have here?

☀️ Protection from that summer heat ⛈️ Protection from storms & hail 📦 Extra storage 🚲 Room for bikes, tools & outdoor stuff 🚗 Keeping your car out of the weather

Plus — it can still add value at resale. In Charlotte, homes with a garage sell for about a 13% premium. In Raleigh, it’s closer to 2%, the lowest of any major U.S. metro (Redfin).

So here’s the question: if you found your dream home in North Carolina and it didn’t have a garage… would you walk away?

❤️ LOVE IT — I need a garage! 👋 LEAVE IT — I’ll take the extra living space or yard instead!

Swipe through, then vote below ⬇️

🍑 Georgia peaches, this one’s for you! 🍑Did you know I’m licensed to help with home loans in the great state of Georgia?...
03/09/2026

🍑 Georgia peaches, this one’s for you! 🍑

Did you know I’m licensed to help with home loans in the great state of Georgia?!

Whether you’re buying your first (or fifth!) home, refinancing, tapping into equity with a HELOC, or need something outside the box like a Non-QM, DSCR, bank statement, or self-employed income loan — I’ve got you covered.

Conventional, FHA, VA, USDA, jumbo, manufactured housing, renovation loans (203k/HomeStyle)... if it involves a mortgage, let’s talk.

So be a peach 🍑 and tag a friend, family member, or coworker in GA who’s buying, refinancing, or just curious what their options are — or send them my info. Let’s get them home. 🔑

—D

01/09/2026

“Keep your 3% rate on a new house!”

You may be seeing the MOVE Act all over social media right now.

Yes, the bill is real. No, you can’t use it yet.

The MOVE Act was introduced in Congress on August 3rd and would create a way for certain homeowners to potentially transfer their existing conventional mortgage rate, terms and balance to a new property.

But there’s a lot of fine print.
➡️ It’s not law yet
➡️ Conventional mortgages only
➡️ The transfer isn’t automatic
➡️ Your remaining loan term carries over — not a fresh 30 years
➡️ If your next home costs more, you’d still need to finance the difference separately

Bottom line: Don’t make a moving decision based on legislation that’s still sitting in committee.

Watch it. Don’t wait on it. 👀

Have questions about how this could affect your situation? Reach out directly or drop them below. 👇

— D.

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