Angel Gets You Funded

If you already own a vacant lot, you might be sitting on more than just dirt.

A cash-out refinance on vacant land can put real money back in your pocket - whether you want to fund a future build, invest elsewhere, or free up capital for your business.

Up to 60% LTV, 660 minimum credit score, and 12-month P&L accepted for self-employed borrowers. 📄

Curious what your land could be worth as collateral? Let's find out.

*Subject to credit approval. Not all borrowers will qualify.

https://myoc.io/ANGEL

Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

Someone just got pre-approved with me this morning.

Know what they told me before we started?

"I didn't think I'd qualify."

I hear it EVERY. SINGLE. WEEK.

People disqualify themselves before ever running the numbers:

❌ "My credit isn't perfect"
❌ "I don't have 20% down"
❌ "I'm self-employed"
❌ "I just started a new job"
❌ "I have student loans"

Here's the truth 👇

Most people don't have a qualifying problem.

They have an INFORMATION problem.

There are loan programs for almost every situation - down payment assistance, flexible credit options, self-employed programs, and more.

The only way to know where you stand?

Run the numbers. It costs you NOTHING.

15 minutes could be the difference between renting another year… or holding your own keys.

**Whether it's a house in the city or a cabin tucked away in the North Carolina mountains… 🏡⛰️**

This family time away reminded me why I do what I do.

Deer in the front yard. Monopoly by the fireplace. Sunrises above the clouds.

THIS is what homeownership makes possible — memories, escapes, and a place to slow down with the people you love.

Whether you're buying your first home, your forever home, or that mountain getaway you keep dreaming about…

Let's make it happen.

**🚨 Attention buyers with student loans — this affects YOU. 🚨**

The SAVE repayment plan officially ended July 1.

7 MILLION borrowers now have 90 days to switch to a new repayment plan.

Why does a lender care? 👀

Because those new payments will likely be HIGHER…

And higher student loan payments = higher DTI = less buying power. 📉

I see it all the time:

Buyers get surprised at the finish line because their student loan payment changed and nobody told them how it affects their mortgage qualification.

Don't let that be you.

If you have student loans and want to buy a home — or you're a realtor with clients who do.

Let's run the numbers NOW, before the new payments hit your credit report.

A 30-minute conversation today can save your approval tomorrow.

**"I'll wait until the market gets better." 👀**

The market IS better. Right now.

Here's what's actually happening:

📉 Asking prices dropped 2.5% year over year in June — the biggest drop since 2017

🏡 Active inventory is up to more than 1.1 million homes

📈 Pending sales rose for the 7th straight month — buyers are ALREADY moving

Translation?

Sellers are finally pricing realistically. More homes to choose from. Less pressure. More room to negotiate.

The buyers who win aren't waiting for the "perfect" moment.

They're getting in NOW while there's less competition and more leverage.

Remember 👇
You can always refinance a rate later.
You can't go back and re-buy at today's prices once everyone floods back in.

Want to see what you qualify for?

📲 Call/Text Angel Ramos today 813-293-4327

Looking to start on your dream home?
Call me today to go over options!

🏡 UNDER CONTRACT! 🎉

My buyers decided on this 3+ acre property in Dover as the starting point for building their dream home! 🌳✨

Due diligence is now underway before closing on their future homesite, and I couldn't be more excited to see this dream come to life.

Thinking about buying land or building a custom home? I'd love to help you find the perfect piece of property.

📲 Michelle Ramos
Dalton Wade Inc.
813-310-6667