Wain Capital LLC

05/13/2026

Most people don’t realize there are multiple credit scoring models out there and in 2026, that can make a pretty big difference when it comes to your mortgage pricing.

At Wain Capital, we pull both VantageScore 4.0 and FICO and use the better score whenever possible on eligible conventional loans. That can help reduce LLPAs (loan-level pricing adjustments) and potentially save you money upfront and over time.

A stronger score = better pricing opportunities.

This is especially helpful for:
• Buyers with limited credit history
• Clients rebuilding credit
• Borrowers whose VantageScore trends higher than FICO

If you’re thinking about buying, refinancing, or just want to know where you stand, we’re happy to run the numbers and explain your options.

05/08/2026

Who says you have to settle for today’s rates? We want to make your first year in your new home a little lighter on the wallet. At Wain Capital, we’re currently offering a 1-0 Temporary Rate Buydown, and it is lender paid!

How it works:

You get a rate 1% lower than the market rate for your first year of your mortgage.

We cover the cost via a lender credit.

Years 2-30, the interest goes back to the original locked in rate.

Available on conventional and government loans until June 30. Don’t let the headlines keep you from your dream home, let’s get you moved in with a payment that actually feels good.

03/05/2026

BIG WIN FOR HOMEBUYERS

Today is the day the Trigger Lead Ban officially goes into effect

That means when you apply for a mortgage and have your credit pulled for pre-approval…

❌ Your information can no longer be sold as a trigger lead
❌ You won’t get bombarded with calls from random lenders
❌ No more misleading “we saw you applied” solicitations

This is a HUGE win for consumer privacy and a smoother homebuying experience

As your mortgage broker, my job is to protect your information, guide you through your options, and help you make the best financing decision — without the noise.

If you’ve been hesitant to get pre-approved because you didn’t want your phone blowing up… that’s no longer a concern.

Ready to start the process the right way? Let’s talk.

02/14/2026

Valentine’s Day tip:

If your spouse says,
“I don’t need anything…”

They absolutely mean:
“A new house would be nice.” 🏡😂

Nothing says “forever” like a 30-year mortgage &
Nothing says “I love you” like:

✔️ A bigger kitchen
✔️ A backyard for the kids
✔️ A lower interest rate
✔️ A place to build your future

Forget the roses.

Upgrade the address.

DM “LOVE” and let’s talk strategy.

— Zach Wain
Wain Capital
NMLS 1825506

01/31/2026

Great news for our medical community!

We are officially launching our Dr. Loan program, a financing solution designed to help you into your dream home without the typical financial hurdles.

Whether you’re just finishing residency or are an established practitioner, here are the highlights:

0% Down Payment (Yes, 100% financing!)

No PMI (Save hundreds every month)

Up to $2M Loan Size

Competitive Rates: 6.875% Interest Rate (*6.933% APR)

Available on smaller loan sizes: $500k purchase with 0% down, no problem!

*Real-World Scenario: On a $2,000,000 purchase price with a 780 credit score, you can still walk away with $0 down.

Who Qualifies?
We are proud to support a wide range of medical professionals, including: 🔹 MDs & DOs 🔹 Dentists & Orthodontists 🔹 Veterinarians 🔹 CRNAs 🔹 ...and more!

Let’s get you into your primary residence with the terms you deserve

DM me today to see if you qualify or to get a custom quote! Share with your friends!

01/16/2026

01/15/2026

2026 Market Note for the Agents Who Watch the Details

The rate dip is only the headline.
The real story is where strategy now moves the needle.

1. Wholesale Spread Compression
Liquidity is flowing back into MBS — and wholesale margins are tightening.
Translation: real price differences lender-to-lender, especially outside retail.

2. Layered Structuring Is Back
Tools we couldn’t use at 7–8% are working again:
• Temporary + permanent buydowns
• Reduced MI at 680–740
• Bank-statement / asset-qualifying Non-QM
• DSCR deals resurfacing
These aren’t hypotheticals — they’re winning offers.

3. Qualification Math Has Shifted
A 50–75bps move changes more than rate sheets:
• DTI space
• Purchase power
• Cash-to-close
Deals that failed 6 months ago may now pass.

4. Broker Advantage Is Growing
This market rewards agents who leverage access, not one menu.
• Multiple capital sources
• Program variety retail can’t touch
• Faster exception approval
• Modeling across lenders — not guessing

Bottom Line:
We’re entering a strategy-driven cycle.
Lender choice, capital source and structure matter more now than in the past two years.

Bring us the trickier files — this is where they get done:
• DTI-tight buyers
• High-earner / low-doc
• VA entitlement puzzles
• Investors chasing cash flow
• Buyers who lost at 7–8%

01/12/2026

GOOD NEWS / BAD NEWS IN MORTGAGE LAND

Let’s break down what’s happening today.

The Good Stuff:
✔️ Rates dipped below 6% again
✔️ Fannie Mae & Freddie Mac are stepping in to buy roughly $200B in mortgage bonds
✔️ That extra demand pushes rates lower = better affordability for buyers and refi folks

What’s Making Waves:
⚡ A lot of noise around the Federal Reserve
⚡ DOJ subpoenas tied to a $2.5B Fed renovation project
⚡ Investors are reading it as the White House leaning on the Fed

When the market senses politics creeping into Fed decisions, it gets jumpy — and rates start to move around fast.

Here’s the takeaway:
Rates are better today, which is a win 🙌
But there’s some push-and-pull going on behind the scenes, so expect a little volatility.

If you’re thinking about buying, refinancing, or just want to run numbers at today’s pricing, we got you.

Shoot us a message and we’ll take a look at your options.

— The Team at Wain Capital

12/16/2025

Happy Birthday to Zach Wain — Owner & Broker of Wain Capital 🎉

Zach isn’t just the owner of Wain Capital — he’s the mind, integrity, and work ethic behind everything we do. His passion for helping people make smart financial decisions, paired with a brilliant strategic mindset, is what sets him apart in this industry.

Clients trust him because he leads with honesty, clarity, and genuine care — and our team is better every day because of his standards and leadership.

Happy Birthday, Zach. We’re proud of what you’ve built and grateful for the example you set.
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12/15/2025

As Hanukkah continues, we wish you eight nights filled with warmth, reflection, and time at home with those who matter most.

— Wain Capital | Your Mortgage Advisor