Mortgage Do's And Don'ts

Mortgages can be tricky, and it's easy to make mistakes that can end up costing you dearly. That's why we've put together this list of Mortgage Do's and Do not's to help you navigate the process with ease - and a little bit of humor.

DO: Shop around for the best mortgage rates

DON'T: Assume your bank will give you the best rate just because you have a checking account there. Remember, loyalty is a two-way street.

DO: Have a budget in mind

DON'T: Get in over your head. Just because you can technically afford a million-dollar mansion doesn't mean you should buy one. You don't want to be house-poor and unable to afford groceries.

DO: Get pre-approved before house-hunting
.

DON'T: Assume you'll be approved for a mortgage just because you have good credit. Pre-approval is important because it gives you a better idea of how much house you can afford and shows sellers that you're serious.

DO: Consider your future plans

.
DON'T: Assume you'll live in your new house forever. Life happens, and you may need to sell sooner than you think. Make sure you're not getting into a mortgage that you can't realistically afford if you need to move in a few years.

DO: Get pre-approved before house-hunting
.

DO: Consider your future plans

DO: Read the fine print

DON'T: Sign on the dotted line without reading the terms and conditions. There may be hidden fees or clauses that could come back to haunt you later.

DO: Be prepared for unexpected expenses

DON'T: Assume everything will go smoothly. There may be unforeseen expenses, like a leaky roof or a broken furnace, that can quickly drain your savings. Be sure to budget for these types of surprises.

DO: Read the fine print

DON'T: Sign on the dotted line without reading the terms and conditions. There may be hidden fees or clauses that could come back to haunt you later.

DO: Be prepared for unexpected expenses

DO: Have a good sense of humor

DON'T: Take everything too seriously. Yes, buying a house and getting a mortgage can be stressful, but try to find the humor in the situation. After all, laughter is the best medicine for a stressful day.

By following these Mortgage Do's and Do not's, you'll be well on your way to successfully navigating the mortgage process - with a smile on your face. Good luck, and happy house hunting!

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📉 High Rates, High Returns? Why Multifamily Investment Is Booming Again 🚀💵

🏡 CRE Investors Are Back! Multifamily Deals Are Heating Up In 2025 🔥💰

Bill Rapp, Commercial Mortgage Broker

March 14, 2025•3 min read

Multifamily Investors Are Back: 2025 Could Be A Game-Changer For CRE 🚀🏢

After two years of cautious waiting, multifamily investors are ready to dive back into the market. According to a new Berkadia survey, a staggering 83% of investors plan to acquire properties in 2025, signaling a resurgence in deal-making after years of high interest rates and market stagnation.

But what’s driving this shift? Let’s break it down.

📊 The Return of Multifamily Investment

For the past two years, multifamily investment activity slowed dramatically as rising interest rates and pricing uncertainty kept buyers on the sidelines. However, that’s changing fast:

83% of investors plan to buy in 2025, while only 2% plan to downsize their portfolios.
Debt costs remain a hurdle, with 93% of investors citing financing challenges, but capital is still available.
The 10-year Treasury yield recently dipped to 4.2%, and a further drop below 4.25% could unlock even more transactions.

💡 Translation? Investors aren’t waiting anymore—money is ready to move.

💰 Where The Smart Money Is Going

Not all properties are created equal, and investors have clear preferences on where they see the best opportunities:

🏢 Core-Plus Assets (43%) – These properties, offering stable income with some growth potential, are the top choice for most investors.
🔨 Value-Add Deals (30%) – Many see the highest upside in renovation and repositioning projects.
🌍 Regional Focus – The Southeast remains the top choice, followed by the Midwest, which is gaining traction after being largely ignored during the pandemic.

📉 The West and Central regions? Not as attractive right now.

🏗️ What’s Happening With Multifamily Development?

It’s not just investors making moves—developers are also ramping up.

In Houston’s Lake Houston submarket, nearly 1,840 units are either under construction or proposed, showing confidence in demand.

🔹 Recent Openings:

Bluewater at Balmoral – 92 units
Eleve – 322 units
The Residences at Kingwood – 289 units

🔹 Under Construction:

The Oaks – 357 units (ready by 2025)
The Residences at Kingwood East – 181 units

🔹 Proposed Developments:

Evolve Kingwood – 300 units
Generation Park II & III – 500+ units combined
The Grove II – 340 units

💡 Developers and investors alike are positioning themselves for an active 2025.

💡 Why This Matters For CRE

Multifamily real estate is entering a new growth cycle, and with debt markets stabilizing, investors are seizing opportunities. Here’s what to watch:

✅ Sellers are accepting lower valuations, closing the price gap with buyers.
✅ The 10-year Treasury yield remains a key trigger—if it stays below 4.25%, expect even more transactions.
✅ More than 50% of investors expect the market to improve significantly by 2026.

🚀 The Bottom Line: 2025 Will Be A Year Of Action

If you’ve been waiting for the right time to jump into multifamily investment, 2025 might be your best window of opportunity.

Are you ready to explore the best deals in the market? Let’s connect and discuss how you can position yourself for success in this new multifamily boom.

Looking to buy, sell, or finance commercial real estate?

Work with an experienced Commercial Real Estate & Mortgage Broker you can trust!

Call me at 281-222-0433 today!

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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