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🚨GAME DAY🚨
🐎SJH vs ST PIUS MATTHIAS

🗓️ FRIDAY, SEPT 11
⏰ 7:00PM
🏟️THE BADLANDS
🎟️ GOFAN

LET’S GO! 🔥

Thank you for your support of Stallion Football: @laderalending

#NoBetterPlace🐎
#BuiltAtTheBadlands🏟️

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In today’s market the question shouldn’t be:

“Can we get the seller to come down on the price a bit?”

It should be:

“How should seller concessions be used?”

On a $500,000 purchase, a $10,000 price reduction might lower the payment by around $60/month.

That same $10,000 used toward a seller-paid 2-1 buydown could lower the payment by hundreds of dollars every month, during the first two years.

Same seller contribution. Very different outcome.

In today’s market, strategy matters just as much as the rate.

DM me if you’d like to see what this could look like for your price range.

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Who is getting excited for the Annual Freedom Run this 4th of July!? Even more exciting, we are celebrating our 20th Anniversary this year. Here is a sneak peek at one of our shirt designs…stay tuned for more🎆 Run sign up linked in our bio #freedom #laderaranch #laderalife

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Sorry in advance for the accent 🤣

Look, whether it’s your current lender or not, if you’re told “no”, even by multiple banks, it does NOT mean you have no options.

These stories happen more than people realize. It pays to have access to unique programs at the best rates.

Even if you think there’s no hope, sometimes there is a program designed for your specific scenario.

Agents, send me your problem files for me to review and maybe save.

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Some borrowers get dismissed too quickly because their file looks small, complicated, or time-consuming.

Self-employed income, non-standard income, lower loan amounts, or property condition questions may take more work — but that doesn’t make the borrower less important.

Not every loan can be approved.

But every borrower deserves a real review, honest guidance, and a clear explanation.

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(Don’t miss the agricultural sector update at the end of the video)

A lot of people assume that a new Fed chair means mortgage rates are about to fall.

Not necessarily.

The Fed chair matters, but mortgage rates are not controlled by one person sitting in Washington.

They are influenced by the bond market, inflation expectations, Treasury yields, and investor confidence.

So if markets believe the Fed is cutting because inflation is actually improving, that can help rates.

But if markets believe the Fed is cutting too soon, or because of political pressure, long-term rates may not fall the way consumers expect.

That’s the part most headlines miss.

Mortgage rates don’t just react to who is in charge.

They react to whether the market trusts the direction of policy.

Before you build a homebuying plan around “rates should drop soon,” build the plan around what works today — and treat lower rates later as upside, not the foundation of the deal.

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Rates are only one piece of the equation.

The negotiating environment in Arizona has changed quite a bit over the last couple years — and a lot of buyers are still looking at this market through a 2021 lens.

Strategy matters more now than ever.

Arizona agents — what are you seeing from buyers lately?

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Most people think getting a mortgage is just about getting approved.

It’s not.

My job is to help you understand the options, structure the loan correctly, and avoid surprises before they become expensive.

Whether you’re buying, refinancing, relocating, or just trying to get prepared, I’m here to make the mortgage side easier.

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Big thanks to @lendingtree for hosting an incredible summit!

Our CEO Josh Friend joined a panel discussion on AI’s role in reshaping the mortgage industry, alongside our customer Scott Contreras from @laderalending

It was an inspiring conversation about how lenders can use AI to improve borrower engagement, streamline operations, and deliver a truly modern lending experience.

We’re excited to keep pushing the boundaries of what’s possible with technology that puts people first.

#LendingTreeSummit #MortgageAI #Innovation #Insellerate #LendingTechnology

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If you’re ready for a Loan Officer who actually listens to you and respects your time. One who will work to find your best solution.

You don’t have to go through multiple others who don’t first…

I’m right here 😎🙌🔥

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Local businesses—we’d love your support! 🐻

Become a Fun Run Sponsor and get your business in front of hundreds of Oso Grande families. Fun Run sponsorships spotlight your business AND provide resources that make our school stronger.

Your partnership helps us fund programs, events, and resources that wouldn’t be possible otherwise—and shows our students the power of businesses that care.

📲 Packages available now—link in bio!

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🌟 Gratitude Beyond Words 🌟 Yesterday we came together for the 1st Annual Lori Coble Family Golf Event for a Cause at Tijeras Creek—and what an incredible day it was.

From the bottom of our hearts, thank you to all of our sponsors, donors, golfers, and volunteers who made this event possible. Your generosity and support filled the day with love, joy, and community spirit. 💜

A very special thank you to our sponsors: Joe’s Italian Restaurant and Bar • Amy Sims Realty • Board & Brew • Carrier Sigler Commercial • The Counter • Chicago Title • Precision Roofing & Waterproofing • EMCOR Services Mesa Energy • Brewery X • Joe’s Italian Restaurant • Doordash • Morena’s Mexican Cuisine • Happy Dad Hard Seltzer • Daylin Emmons & Associates • SB Wealth • Seegertstrom Law • PhilCo Construction • Freedom Run at the Ranch • West Coast Prime Meats • Left Coast Brewing Co. • Selma’s • Ladera Lending • Pure Pilates • Stroll Covenant Hills • Belo Salon • Dana Wharf Sportfishing & Whale Watching • RISK Strategies • Ocean Oaks Lending • The Ranch Sports Bar & Grill • TLD Law • Raising Cane’s • Tim Wolter Group • Ladera Realty • Sign Design • Stradling • Saddleback College

This event was more than just golf—it was a reminder of community, compassion, and the power of coming together for a cause bigger than ourselves.

We couldn’t have done it without each and every one of you. Here’s to honoring Lori and building on this foundation of love for years to come. 💕

#LoveForLori #CommunityStrong #GolfForACause #TijerasCreek #Gratitude #FamilyAndFriends #MakingADifference #LoveAndSupport #TogetherForACause

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