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Tools for Mortgage Pro's

A Federal Win for Homeownership

Helping You Speak Confidently to Clients About the news out of Washington this week—

Congress has passed a bill, a sweeping tax and housing reconciliation package with major implications for both homeowners and future buyers.

As a mortgage professional, this is your opportunity to provide clarity and leadership to your clients by helping th

Helping You Speak Confidently to Clients About the news out of Washington this week—

Congress has passed a bill, a sweeping tax and housing reconciliation package with major implications for both homeowners and future buyers.

As a mortgage professional, this is your opportunity to provide clarity and leadership to your clients by helping them understand what this bill means for their financial future.

What Loan Officers Need to Know:

Here’s how to talk to your clients about the benefits in plain language:

Stable Tax Rates = Predictable Planning

The bill locks in the current individual tax rate structure, giving borrowers long-term stability—something especially valuable when qualifying for a home loan.

Bigger SALT Deduction = More Flexibility

The State and Local Tax deduc

Here’s how to talk to your clients about the benefits in plain language:

Stable Tax Rates = Predictable Planning

The bill locks in the current individual tax rate structure, giving borrowers long-term stability—something especially valuable when qualifying for a home loan.

Bigger SALT Deduction = More Flexibility

The State and Local Tax deduction (SALT) now allows up to $40K for households making under $500K. This means more middle-income families may see higher deductions and more available cash flow.

Mortgage Deductions Reinforced

  • The mortgage interest deduction stays intact.
     
  • The mortgage insurance premium deduction is back.
    These both lower the real cost of owning a home—something first-time and move-up buyers need to hear from you.
     

Affordable Housing Gets a Boost

Developers will be incentivized through enhanced Opportunity Zone benefits and a strengthened Low-Income Housing Tax Credit (LIHTC)—increasing housing supply and access.

How to Use This In Conversation

How to Use This In Conversation

When speaking to your clients and referral partners, consider phrases like:

  • “This is the strongest signal in years that the government is investing in housing affordability.”
     
  • “Now is a smart time to revisit your homeownership plan—because the math just got better.”
     
  • “If you were hesitant due to tax implications or affordability, this chan

When speaking to your clients and referral partners, consider phrases like:

  • “This is the strongest signal in years that the government is investing in housing affordability.”
     
  • “Now is a smart time to revisit your homeownership plan—because the math just got better.”
     
  • “If you were hesitant due to tax implications or affordability, this changes the game.”
     

Remember: Clarity = Confidence. Be the expert your clients trust to interpret the noise.

The Takeaway

This legislation is a huge win for housing—and for the mortgage pros who help guide buyers through it. Let this moment elevate your conversations, build your credibility, and deepen your client relationships.

When you know better, you have an obligation to do better.


Maya Angelou

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