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In this episode, Rob O'Malley and I discuss upcoming changes to loan limits for 2026 as well as a niche Loan Program that allows you to finance improvements to your home with purchase financing. Rob O’Malley is ranked as one of the Top 1% of Loan Originators in America by Mortgage Executive Magazine. Rob is a producing Branch Manager for the Brentwood, CA Branch of Preferred Rate. Rob has originated home loans in East County since 2001 and has helped well over 2,000 families totaling close to $1 billion in funded home loans. Rob is a long-time annual Titanium Sponsor for the Women’s Council of Realtors, Platinum Sponsor for the Delta Association of Realtors, Platinum Sponsor for the Delta Harvest Run, Ammunition Sponsor for the Knights of Columbus “Shoot for a Cure,” and most recently, An Elderly Wish Foundation. Rob believes that giving back is more than a privilege, it’s a responsibility. Rob’s core philosophy is simple, “Do the Right Thing, Do Your Very Best, & Show People You Care.” Purchase or Refinance, Conventional, FHA, VA, Jumbo, or Reverse Mortgage, Rob and his Expert Team are here to serve all of your residential mortgage needs. (925) 418-3956 (925) 634-6600 omalleyteam@preferredrate.com 141 Sand Creek Rd., Suite C Brentwood, CA 94513 Branch License #2085568