Gene Fletcher

Loan Officer

NMLS# 498029

Gene Fletcher Loan Officer

Blog

How Long Does a Mortgage Preapproval Last?

How Long Does a Mortgage Preapproval Last?

Mortgage preapproval can help you shop with more confidence, move quickly when you find the right home, and better understand your price range. But one common question comes up early in the process: how long does mortgage preapproval last? In most cases,

Oct 16, 2026 | Purchasing a Home

New FHFA Loan Limits  for 2027

New FHFA Loan Limits for 2027

Bigger loan limits. Bigger opportunities. That's the story unfolding right now in the mortgage world. Every year, the Federal Housing Finance Agency crunches the numbers from its Q3 House Price Index and decides how much bigger conforming loans can get. T

Oct 14, 2026 | Purchasing a Home

6 Steps to Getting a Mortgage

6 Steps to Getting a Mortgage

Getting a mortgage can feel like a big undertaking, especially if you're buying a home for the first time. The good news is that the process becomes much more manageable when you break it into clear, practical steps. With the right preparation, you can mo

Oct 12, 2026 | Purchasing a Home

How Do You Pay Back a Reverse Mortgage?

How Do You Pay Back a Reverse Mortgage?

A reverse mortgage can provide flexibility in retirement, but many homeowners and families eventually ask the same question: how does repayment actually work? The answer depends on what triggers the loan to become due and what goals you or your heirs have

Oct 09, 2026 | Reverse Mortgage

Your Home Equity: 10 Ways to Cash Without Moving Out

Your Home Equity: 10 Ways to Cash Without Moving Out

Home equity can be one of the most useful financial resources a homeowner builds over time. As you make mortgage payments and your property value changes, equity may grow into a source of funding for major goals, planned expenses, or unexpected needs. Unl

Oct 07, 2026 | Refinancing a Home

Is It Possible to Buy a Second Home without a Down Payment?

Is It Possible to Buy a Second Home without a Down Payment?

Buying a second home is a goal many buyers revisit over time, whether they are thinking about a vacation getaway, a future retirement property, or a home closer to family. One of the most common questions in that process is whether it is possible to buy a

Oct 05, 2026 | Purchasing a Home