Originating Residential and Commercial Loans Since 1998

As the real estate market approaches the end of 2023, a historic shift is taking place — there are now significantly more home sellers than buyers. This imbalance is creating a rare window of opportunity for buyers, offering greater selection, increased negotiating power, and far less competition than in recent years. While higher interest rates and economic uncertainty still require careful planning, buyers who are prepared and informed may find this to be one of the most advantageous markets

Think the Fed sets mortgage rates? Not exactly. The real driver is the secondary mortgage market—where home loans are bought, bundled, and sold to investors. It fuels lender liquidity, impacts rates, and shapes how many buyers can afford your listings. If you’re in real estate, understanding it gives you an edge.

In today’s fast-paced real estate market, being prepared isn’t optional—it’s your competitive edge. A Proof of Funds letter isn’t just paperwork; it’s a powerful tool that builds trust, strengthens your offer, and can ultimately win you the deal. Whether you’re a realtor, investor, homeowner, or homebuyer, mastering how to prepare an effective Proof of Funds letter can mean the difference between securing your dream property or missing out. In this guide, we’ll break down exactly what you need,