Edyta Pluta-Czarnecki NMLS 445996/ Your Neighborhood Mortgage Broker

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Edyta Pluta-Czarnecki NMLS 445996/ Your Neighborhood Mortgage Broker

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Senior Loan Mortgage Originator NMLS # 445996 at Barrett Financial Group, LLC | NMLS #181106
http://www.nmlsconsumeraccess.org/

10/26/2026

What is LLPA, and why does it matter to your buyers?

LLPA (Loan-Level Price Adjustment) is a pricing adjustment lenders use based on factors such as credit score, loan type, and other risk factors. These adjustments can affect the interest rate or cost of a mortgage.

Here's the good news!
Credit score-based LLPAs have been removed from FHA and VA pricing, giving us another opportunity to offer more competitive financing options.

In today's market, every little advantage matters. Better pricing could make a difference for your buyer and help you get that next transaction to the closing table.

Have a buyer in mind? Let's run the numbers and see what we can offer! Edyta Pluta-Czarnecki NMLS 445996/ Your Neighborhood Mortgage Broker

10/23/2026

Great news for homebuyers and Realtors! 🏡

A credit score shouldn't automatically close the door to homeownership.

One of our lending investors has eliminated minimum credit score requirements for eligible Conventional, FHA, VA, and USDA loans, relying on Automated Underwriting System (AUS) approval instead.

What does this mean for you?

For buyers, it may open financing opportunities that weren't available before.

For Realtors, it means another option to help more clients qualify and keep transactions moving forward.

Today's market calls for more options, and this is one worth exploring!

Let's take another look at what's possible.

Edyta Pluta-Czarnecki NMLS #445996

10/20/2026

Inwestorzy i agenci nieruchomości – warto o tym wiedzieć!

Kredyty DSCR na nieruchomości inwestycyjne zakupione na LLC mogą nie być raportowane do prywatnej historii kredytowej inwestora.

To oznacza większą swobodę w rozbudowywaniu portfela nieruchomości, bez dodatkowego obciążania prywatnej historii kredytowej saldem kredytu i historią jego spłat.

Planujesz kolejną inwestycję lub pomagasz klientowi rozwijać jego portfolio nieruchomości? Porozmawiajmy o dostępnych możliwościach finansowania!

Edyta Pluta-Czarnecki NMLS #445996

10/20/2026

Investors and Realtors - here's something worth knowing!

With DSCR financing, investment properties held in an LLC may qualify for loans that don't report to the investor's personal credit.

This means more flexibility to grow a real estate portfolio without adding mortgage balances or payment history to personal credit reports.

Whether you're planning your next investment or helping a client expand their portfolio, let's explore the options!

Edyta Pluta-Czarnecki NMLS #445996

10/16/2026

Think your credit score is keeping you from buying a home? You may have more options than you realize!

One of our top lending partners has eliminated minimum credit score requirements on eligible Conventional, FHA, VA, and USDA loans, with qualification based on automated underwriting approval and program guidelines.

This could be a game changer for buyers who thought homeownership was out of reach.

Don't let your credit score stop you from exploring your options. Let's take another look! 📲 773-580-9890

Loan approval is subject to AUS findings and applicable lending guidelines. Certain programs and loan features may still require minimum credit scores.
Edyta Pluta-Czarnecki NMLS #445996

09/23/2026

100% REMODELED LUXURY Step into the heart of Lancaster’s historic district and discover a home where timeless character meets impeccable modern design. This 4-bedroom, 3-bathroom residence has been stripped to the studs and reimagined with a 100% total remodel—offering a level of finish and soph...

Address

2701 East Insight Way, Suite 150
Chandler, AZ
85286

Telephone

+17735809890

Website

https://www.barrettfinancial.com/edyta, https://www.linkedin.com/in/edyta-pluta-czarnecki/, https://www.experience.com/r

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