J.D. Peck Producing Branch Manager

Did you know VA loans don’t have a minimum credit score requirement? That means even if your credit isn’t perfect—or even if it’s not great at...

Some lenders add their own overlays (extra guidelines), making it harder for veterans to get approved. But at PRMG, we work directly with VA guidelines, allowing us to help where others can’t.

If you’ve been denied before or told you don’t qualify, don’t give up. Let’s talk and explore your real options.

#VALoan #VeteranHomeBuying #NoCreditScoreRequired #MilitaryHomeownership #VAHomeLoan #MortgageTips #HomeBuying #JDMortgage #PRMGInc #ManualUnderwriting #NoMinimumCreditScore #LendingIn49States

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Big Market Shifts! What’s Next for Housing & Rates?...

Inflation is rising , the Fed is holding off on rate cuts , and retail sales just took a major hit . What does this mean for mortgage rates and homebuyers? J.D. & Andres break it all down in this week’s Housing & Market Update!

Mortgage rates, affordability, and the economy are shifting fast—are you prepared? We’re covering what you need to know to navigate this market.

What’s your take? Are you waiting for lower rates or making moves now? Drop your thoughts in the comments!

Subscribe for Weekly Market Updates!

#HousingMarket #MortgageNews #InterestRates #MarketUpdate #RealEstate #HomeBuying #MortgageRates #JDandAndres #FinanceNews #PRMGCOS #PRMGInc #JDPeckPRMG #JDPeckMortgage #Inflation #Jobs #Spending #Debt #Economy #JDMortgage #AndresMortgage #Eggs #Chicken

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The holiday spending spree is catching up with people—Core Retail Sales fell by 0.8%, signaling that many have been relying on credit cards....

Need guidance? Let’s talk about your options.

#DebtConsolidation #CreditCardDebt #FinancialHealth #MortgageSolutions #HomeEquity #PRMGCOS #PRMGInc #JDPeckPRMG #JDMortgage #AndresMortgage #HELOC #consolidation #Debt

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In January, egg prices surged, the largest monthly increase since 2015, primarily due to a severe bird flu outbreak affecting poultry flocks...

Simultaneously, the job market presents a complex picture. While initial unemployment claims remain relatively low, indicating that layoffs are not widespread, continuing claims have risen to a three-year high, suggesting that those who are unemployed are experiencing longer durations without work. 

These economic indicators reflect the ongoing challenges in balancing supply chain disruptions and labor market fluctuations. Staying informed is crucial as we navigate this economic landscape.

Lending in 49 States
jdpeckteam@prmg.net
amadril@prmg.net

#Inflation #EggPrices #BirdFluImpact #JobMarket #UnemploymentClaims #EconomicTrends #FinancialHealth #JDMortgage #AndresMortgage #PRMGInc #PRMGCOS
​⁠@andresmadril ​⁠@PRMGCorp

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We’ve got some BIG numbers to break down, so let’s dive in!...

January added 143K jobs—lower than the 170K expected, but here’s the wild part:
The last two months were revised UP by 100K jobs Not all bad news!

Wall Street got a little nervous because:
Wages increased by 0.5% → More spending = Inflation risk
And we all know the bond market HATES inflation

What does this mean for rates? Stay tuned—more insights coming soon!

jdpeckteam@prmg.net
amadril@prmg.net

#WeeklyMarketUpdate #MortgageRates #HousingMarket #BLSJobsReport #InflationWatch #StayInformed #JDandDre #MarketTrends #FinanceNews #JDMortgage #AndresMortgage #PRMGCorp #PRMGSpirit

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Did you know VA loans have NO maximum debt-to-income (DTI) ratio? If a lender tells you your DTI must be under 45-50%, that’s their rule, not VA’s!...

At PRMG, we’re a direct lender—which means we follow VA guidelines, not our own. That allows us to help service members and veterans qualify when others say no.

Why does this matter?
Higher DTI flexibility helps in today’s market with higher rates & home prices
If you’re active duty, your housing allowance (BAH) can improve your approval odds
You may already be paying rent equal to a mortgage—why not own instead?

If you’ve been told your DTI is too high, let’s talk. You may have more options than you think!

#VALoan #VAHomeLoan #NoDTILimit #MilitaryHomeBuying #VeteranBenefits #DebtToIncome #HomeBuyingTips #MortgageLender #JDMortgage #PRMGInc

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Is the housing market heating up again? Bidding wars are popping up in some areas, and home prices remain strong, with the median home price at...

Key Market Insights:
First-time homebuyers made up 28% of recent buyers
Cash buyers accounted for 29% of purchases
Investors made up 17% of transactions

Job Market & Fed Update:
Job growth is slowing, and initial jobless claims rose to 219,000
The Fed plans to end balance sheet runoff by mid-2025, which means they’ll stop reducing their mortgage-backed securities and Treasury holdings—a positive signal for the bond market and mortgage rates

Home Prices & Market Stability:
CoreLogic forecasts a 4.5% home price increase in 2024
Redfin reports a $50 trillion total home value increase nationwide
Low inventory is leading to more price stability

With changing market conditions, staying informed is key. Thinking about buying or selling? Now’s the time to strategize!

Lending in 49 States
jdpeckteam@prmg.net
amadril@prmg.net

#EconomyUpdate #HousingMarket #JobMarket #FedNews #RealEstate #MarketTrends #Finance #JDMortgage #AndresMortgage #PRMGINc #PRMGCos

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According to Redfin, the total value of U.S. homes has reached a record $49.6 trillion, reflecting a $3.1 trillion increase over the past year. ...

As housing supply tightens, market experts anticipate increased home price stability in the near future. This environment presents a favorable opportunity for prospective buyers to enter the market before prices potentially rise further.

Key Highlights:
• Record-Breaking Home Values: The U.S. housing market’s total value has soared to nearly $50 trillion.
• Tightening Supply: Limited housing inventory is contributing to price stability and potential future increases.
• Buyer Opportunity: Current conditions may benefit buyers looking to invest before further market shifts.

Staying informed on these trends is crucial for making strategic real estate decisions.

Lending in 49 States
jdpeckteam@prmg.net
amadril@prmg.net

#Redfin #HomeValue #RealEstate #Equity #HousingMarket #PriceStability #RealEstateInvesting #PropertyInvestment #HousingMarketUpdate #MarketWatch #RealEstateTrends #HomeOwnership #InvestmentOpportunity #HouseHunting #DreamHome #PropertyMarket #HomeBuying #BiddingWars #MarketUpdate #FirstTimeHomebuyers #JDMortgage #AndresMortgage #PRMGInc #PRMGCos @andresmadril @PRMGCorp

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Are bidding wars making a comeback? 15% of homebuyers paid above listing price in recent transactions, signaling increased competition in certain...

Market Breakdown:
Median home price: $396,900 (down slightly from November but up 4.8% YoY)
First-time buyers: 28% of all homebuyers
Cash buyers: 29% of purchases

Investors: 17% of transactions

With buyers stepping back in, competition is rising. If you’re looking to buy, now is the time to plan your strategy before the market heats up even more! Let’s talk about your options.

jdpeckteam@prmg.net
amadril@prmg.net

#HousingMarket #HomePrices #BiddingWars #OverAsking #RealEstateTrends #HomeBuying #FirstTimeBuyer #CashBuyers #MarketUpdate #MortgageTips #JDMortgage #PRMGInc #AndresMortgage @andresmadril @PRMGCorp

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Did you know VA loans don’t have a minimum credit score requirement? That means even if your credit isn’t perfect—or even if it’s not great at...

Some lenders add their own overlays (extra guidelines), making it harder for veterans to get approved. But at PRMG, we work directly with VA guidelines, allowing us to help where others can’t.

If you’ve been denied before or told you don’t qualify, don’t give up. Let’s talk and explore your real options.

#VALoan #VeteranHomeBuying #NoCreditScoreRequired #MilitaryHomeownership #VAHomeLoan #MortgageTips #HomeBuying #JDMortgage #PRMGInc #ManualUnderwriting #NoMinimumCreditScore #LendingIn49States

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