The Mortgage Maven

Are you making your landlord’s American Dream come true and not your own?

Own for 5.625% interest, or
Rent for 100% interest

•Build Equity
•Provide Stability
•Never Pay Pet Fees
•Decorate Your Way
•Avoid Being Told To Move Out

Healthcare Hero’s, this is for YOU!

The Doctor Loan allows you to finance up to 100% of your primary home purchase!

•Medical Doctor (MD)
•Doctor of Osteopathic Medicine (DO)
•Dentists (DDS/DMD)
• Ophthalmologist
• Psychiatrist
• Pharmacist
• Veterinarian (DVM/VMD)
• Podiatrist (DPM)
• Certified Registered Nurse Anesthetist
• Medical residents, fellows and interns with these degrees

Call The Mortgage Maven to get pricing and guideline’s to see if a Doctor Loan is a good fit for you!

Looking for creative financing to get around sourcing and/or seasoning funds, reserve requirements, or condo approval?

Maybe the 1st Lien HELOC is a great fit for you! There’s only one way to know for sure, CALL ME!

🇺🇸 GOOD NEWS FOR VETERANS 🇺🇸

VA funding fees are again tax deductible beginning in 2026 for eligible borrowers.

Many veterans don’t realize this deduction, which previously expired in 2021, has been revived by Congress for 2026, potentially allowing qualifying homeowners to deduct thousands of dollars in VA funding fees paid on their home loan.

What is the VA funding fee?

The VA funding fee is a one-time fee charged on most VA loans that helps keep the VA loan program running for future veterans. In many cases, borrowers finance the fee into their loan rather than paying it out of pocket.

Potential benefits of the renewed deduction:
✅ Reduce taxable income
✅ Potentially lower your tax bill
✅ Keep more of what you earn
✅ Added savings for VA homeowners

A few important things to know:

⚠️ Income limits may apply
⚠️ Deductibility may phase out at higher income levels
⚠️ Always consult your CPA or tax advisor for personal tax guidance

How to find your VA funding fee amount:

📌 Check your Closing Disclosure (CD) from your home purchase or refinance
📌 Look for “VA Funding Fee” in your loan costs section
📌 Your lender or mortgage servicer may also be able to help you locate it

For many veterans, the funding fee can range from several thousand dollars to well over $10,000 depending on loan size, down payment, and prior VA loan usage — so this deduction could become meaningful for qualifying households.

As always, my goal is to help veterans and military families stay informed so they can make smart long-term financial decisions.

Ashley Collier
The Mortgage Maven
Barrett Financial Group
NMLS #1869060
📞 801-706-2929
🌐 www.themortgagemaven.com

🇺🇸 VETERANS, DID YOU KNOW….

The Veterans Benefits Expansion Act has passed the House and is now heading to the U.S. Senate for review and vote.

This bill could create meaningful new benefits for some veterans and surviving families — but it may also increase certain VA loan costs for military borrowers.

Here are some of the key highlights:

✅ Additional support for severely disabled veterans requiring full-time care
✅ Increased benefits for some surviving spouses and families
✅ Expanded VA home loan eligibility for some Guard & Reserve members

Potential trade-offs being discussed:

⚠️ IRRRL (VA Streamline Refinance) funding fee could increase from 0.50% to 1.42%
⚠️ VA loan assumption fee could increase from 0.50% to 1.00%
⚠️ Current VA funding fee schedules could be extended through 2036

Stay informed about legislation that could impact your benefits and VA loan options.

As always, I believe military families deserve transparency, education, and honest guidance when making financial decisions.

Ashley Collier
The Mortgage Maven
Barrett Financial Group
NMLS #1869060
📞 801-706-2929
🌐 www.themortgagemaven.com

4 MONEY MISTAKES FIRST-TIME BUYER MAKE (AND HOW TO AVOID THEM)

Before closing day, small money mistakes can turn into big delays. Watch out for things like new credit inquiries, large purchases, changing jobs, or moving money around without documentation. Remember to stay steady, keep things consistent, and reach out if you’re unsure about anything that could impact your approval.