Brian Holiman - Nova Home Loans, NMLS 175182

Carrying a balance on your credit card doesn’t help your credit score. In fact, it could hurt your score as it directly affects your credit card utilization rate. Not to mention, it’s a waste of money to pay interest on your balance if you can afford to pay off your credit card bill in full each month.


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Whether you're buying or refinancing, I will help find a loan to fit your unique financial situation.


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Before shopping for a home, it’s important to figure out how much house you can comfortably afford. A good rule of thumb is to spend no more than 28% of your gross monthly income on housing-related costs and 36% on total debts, including your mortgage, credit cards and other loans.


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Generally speaking, owning a home is considered a good investment compared to renting because you can build equity.


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There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial position and how long you intend to keep your house. I can help you evaluate your choices and help you make the most appropriate decision.
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Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give me a call, and I can help you determine exactly how much you can afford.
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Preparation is key to make the homebuying process easy and rewarding.

Call me to lead you down the road of being a well-informed, confident, and happy homebuyer!


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It’s always best to get pre-approved before starting your search. Give me a call to get started!
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Deciding to buy a home really depends on your unique situation. If you have money saved for a down payment and your estimated mortgage payment is the same or less than your monthly rent based on the home prices in your area, buying now may be a good choice.
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For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Give me a call to get started on your path to homeownership!
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Use your home equity to put in that dream pool you've always wanted. If you’re interested in learning more about a cash-out refinance or to see if you qualify, give me a call!⠀


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Homeownership is the 🔑 to building wealth! If you are one of the many people debating whether buying a home is right for you, let’s get together to discuss your options!
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Contact me today to find out if you could benefit from a cash-out refinance!⠀


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If you’re cash-strapped or have racked up debt, assuming you have equity in your home, a cash-out refinance may be just the solution to creating a cash flow. If you’re interested in learning more or see if you qualify, give me a call!⠀


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In today's competitive market, getting pre-approved may be the game-changer that helps you secure your dream home. Give me a call to get started!⠀


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A low debt-to-income (DTI) ratio demonstrates a good balance between your debt and income. The lower your DTI ratio, the better your chances are for getting approved for the loan you want.


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Why cover your landlords' mortgage costs when you can build your own wealth and equity!


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Nobody can predict the market. However, experts predict that home prices will continue to increase, therefore buying a home now will give you the added security of owning a home.
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Preparing your documents in advance will save you time and trouble once you’ve started the pre-approval process! Here's what we will need...


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Whether you're looking to buy a starter home or a second-home, I'm here to help you achieve your financial goals. Give me a call to get started!
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If you’re one of the many renters who are tired of rising rents but may be confused about what is required to buy in today’s market, let’s get together to determine your path to homeownership.


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Experts say prices and rates will continue to rise this year. That means it could cost you more the longer you wait.
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Is a down payment the missing puzzle piece in your dream of homeownership? Give me a call to find the down payment program for you.


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Monitoring your score helps you track progress when building credit. Got questions? Ask away!


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When you own a home, you have the freedom to make changes as you see fit.


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Give me a call to find out which type of mortgage loan best fits your situation.
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If you feel ready to buy, purchasing a home now may save you a significant amount of money over time based on historical affordability trends. Reach out today to determine if now is the right time for you to make your move!


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Pause, ponder, and save.
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Thinking of buying a house? Here are a few questions you should ask yourself.


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Here are a few questions you should ask yourself to help you decide if you're ready to purchase a home.
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In today's competitive market, getting pre-approved may be the game-changer that helps you secure your dream home. Give me a call to get started!


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With no let up in forecasted appreciation, now is the time to buy even with elevated interest rates. Five years from now, I suspect you will wish you had bought now and just refinanced when rates go down. And if rates don't go down and prices keep headed up, you will be very glad you bought now vs waiting.

Even though it can be hard to find a home right now, its going to be better than waiting 2-3 years with higher prices.

Call me today to get prequalified to purchase,

We have programs available for qualified buyers that require no down payment at all. Give me a call to learn more!
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There are many options for loan programs that are geared to help you get into a home with less than 20% down. Call me to learn more today!


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Do you need extra cash to renovate your home? Pay off debt? Start a business? Purchase a second home? ⠀


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Now is not the time to buy a new couch. Wait until your loan has closed before making any large purchases.


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In a competitive market, it's important to make a powerful offer. Check out these 5 tips to make your offer stand out!


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Building a healthy savings account is a key component of living debt-free. But it's important to remember not to touch those savings for anything other than a true emergency. By prioritizing emergency savings and practicing financial discipline, you can take control of your finances and achieve financial freedom.
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With a fixed-rate mortgage (FRM), the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to a mortgage professional!
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If you can’t get your documents submitted in a timely manner, it can slow down the mortgage approval process. Make sure you have all your documents in order beforehand!
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