Is 2026 the Year To Buy Or Refi? Let’s talk!

We are seeing new opportunities opening for buyers, homeowners, and investors. I want to share a quick update on where mortgage rates may be headed, highlight a powerful loan strategy many people don’t realize is available, and showcase a recent client success story that proves creative financing still gets deals done.

Mortgage Rates: Where Are They Going?

Mortgage rates are showing signs of stabilization, with possible room to improve as inflation cools and economic conditions shift. Many experts believe 2026 could present meaningful opportunities for:

• Buyers waiting for improved affordability
• Homeowners considering refinancing
• Investors watching for better cash-flow opportunities

If you’ve been waiting on the sidelines, this may be the year to start planning your move.

Loan Product Spotlight: Reverse Mortgage for Purchase

Most people think of reverse mortgages only as a refinance option — but Reverse Mortgages for Purchase can be a powerful strategy for buyers age 62+.

This program can allow eligible buyers to:

• Purchase a home with no monthly mortgage payment
• No income qualification with a large down payment
• Improve monthly cash flow in retirement
• Buy closer to family or downsize with greater financial freedom

It’s an underutilized tool that can be a game-changer for retirees and their families.

⭐ Client Spotlight: No-Ratio Investor Loan Success (Texas)

Did you know we can finance “business purpose” loans anywhere in the US?  We recently closed a single-family rental property in Texas using a No-Ratio Investor Loan — a program designed for investors that does not require traditional income qualification.

Instead, approval was based on:

• Property cash flow potential
• Asset strength

This allowed the client to secure the loan without jumping through traditional underwriting hoops.

It’s a great reminder that there are still creative lending solutions available — if you know where to look.

How I Can Help This Month

If you or someone you know is thinking about:

• Buying or refinancing
• Investing in rental property
• Exploring retirement-friendly mortgage strategies
• Or simply wants a custom game plan for 2026

I’m here to help. Every scenario is different — and the right strategy can make all the difference.

Let’s make smart moves this year.

Warm regards,
Karen Card