Brett Turner - Mortgage Loan Officer

Brett Turner - Mortgage Loan Officer BRETT TURNER
Senior Mortgage Loan Officer #1485013
ANNIEMAC Home Mortgage - NMLS #338923
AnnieMac Home Mortgage is an equal housing lender.

๐Ÿ“ Serving AL, AZ, CO, FL, GA, MN, NC, SC, TN, TX, & VA | NMLS #1485013
๐Ÿก Purchase | Refinance | First-Time Buyers
๐Ÿค Trusted by Realtors | Experienced Loan Officer
AnnieMac Home Mortgage NMLS #338923
Equal Housing Opportunity I help real estate agents and homebuyers close fast, smooth, and smart. Whether itโ€™s your first home or your fifth, I deliver clear communication, tailored mortgage options, a

nd partnership-level service - across Georgia, Florida, and Tennessee. Letโ€™s connect to grow your business or plan your next move.

๐…๐Ž๐”๐๐ƒ ๐“๐‡๐„ ๐๐„๐—๐“ ๐‡๐Ž๐Œ๐„ ๐๐„๐…๐Ž๐‘๐„ ๐“๐‡๐„ ๐Ž๐‹๐ƒ ๐Ž๐๐„ ๐’๐Ž๐‹๐ƒ? A home sale contingency can make an offer less competitive: and create seri...
09/03/2026

๐…๐Ž๐”๐๐ƒ ๐“๐‡๐„ ๐๐„๐—๐“ ๐‡๐Ž๐Œ๐„ ๐๐„๐…๐Ž๐‘๐„ ๐“๐‡๐„ ๐Ž๐‹๐ƒ ๐Ž๐๐„ ๐’๐Ž๐‹๐ƒ?

A home sale contingency can make an offer less competitive: and create serious timing pressure.

But some qualified homeowners may have another strategy: Buy Now, Sell Later through AnnieMac.

Before assuming you have to wait, ask:

โ€ข How much usable equity do I have in my current home?
โ€ข What would the new monthly payment look like?
โ€ข What is my backup plan if the sale takes longer than expected?

Eligibility is reviewed individually. Property type, equity, income, credit, reserves, and the full financial picture all matter. There is no one-size-fits-all answer: and no guaranteed approval or timing.

๐–๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ซ๐š๐ญ๐ก๐ž๐ซ ๐ฌ๐ž๐ฅ๐ฅ ๐Ÿ๐ข๐ซ๐ฌ๐ญ ๐จ๐ซ ๐›๐ฎ๐ฒ ๐Ÿ๐ข๐ซ๐ฌ๐ญ?

Comment below, send a DM, or schedule a strategy conversation to explore whether Buy Now, Sell Later could fit your goals.

09/02/2026

Tough competition? Thatโ€™s when having the right lender in your corner matters.

Donโ€™t let financing be the reason you lose the deal - Give your buyers every advantage.

Letโ€™s find a way to make it work

Keeping your finances steady is key when you're in the home-buying process A sudden moveโ€”like switching jobs or opening ...
09/02/2026

Keeping your finances steady is key when you're in the home-buying process

A sudden moveโ€”like switching jobs or opening new credit cardsโ€”can derail your mortgage approval. The goal? Smooth sailing to closing day! โœ…

Letโ€™s chat to make sure you're on the right track. Reach out anytime!

Your listing doesn't need a price cut. Rate Relief offers another path. Instead of reducing the price, the seller could ...
09/01/2026

Your listing doesn't need a price cut. Rate Relief offers another path. Instead of reducing the price, the seller could permanently buy down the rate and promote it in the listing, while keeping the asking price intact. Want to see how it could work on your next listing? Let's talk.

We've spent the last week talking about something that's easy to forget:๐—ง๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—ถ๐˜€๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ท๐˜‚๐˜€๐˜ ๐—ผ๐—ป๐—ฒ ๐˜„๐—ฎ๐˜† ๐˜๐—ผ ๐˜€๐˜๐—ฟ๐˜‚๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฎ ๐—ต...
09/01/2026

We've spent the last week talking about something that's easy to forget:

๐—ง๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—ถ๐˜€๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ท๐˜‚๐˜€๐˜ ๐—ผ๐—ป๐—ฒ ๐˜„๐—ฎ๐˜† ๐˜๐—ผ ๐˜€๐˜๐—ฟ๐˜‚๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฝ๐˜‚๐—ฟ๐—ฐ๐—ต๐—ฎ๐˜€๐—ฒ.

The right solution depends on the buyer, the property, the timing and the goal.

So before you tell a buyer, โ€œYou probably can't do thatโ€โ€ฆ

๐—Ÿ๐—ฒ๐˜'๐˜€ ๐—น๐—ผ๐—ผ๐—ธ ๐—ฎ๐˜ ๐—ถ๐˜.

Sometimes the answer is no.

But sometimes there's an option they simply didn't know existed.

The payment shown in an online calculator may not be the payment that leaves your bank account.Thatโ€™s because many calcu...
08/29/2026

The payment shown in an online calculator may not be the payment that leaves your bank account.

Thatโ€™s because many calculators show only principal and interest: not the full PITI payment.

PITI means:
โ€ข Principal
โ€ข Interest
โ€ข Property taxes
โ€ข Homeowners insurance

Depending on the situation, mortgage insurance and HOA dues may matter, too.

Before comparing homes by payment, ask for an estimated total monthly payment. Then verify the assumptions for:
โœ… Taxes
โœ… Insurance
โœ… Mortgage insurance
โœ… HOA dues

A lower online estimate may not tell the full story.

Read a full breakdown, โ€œWhat Does Your Monthly Mortgage Payment REALLY Include? The PITI Breakdown Explained,โ€ before comparing homes by payment:
https://tinyurl.com/uaa2ewy7

๐–๐ก๐ข๐œ๐ก ๐ฉ๐š๐ซ๐ญ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ฆ๐จ๐ง๐ญ๐ก๐ฅ๐ฒ ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐ข๐ฌ ๐ž๐š๐ฌ๐ข๐ž๐ฌ๐ญ ๐ญ๐จ ๐จ๐ฏ๐ž๐ซ๐ฅ๐จ๐จ๐ค?

โ€œWe're not ready yetโ€ can mean a lot of different things.Maybe you need more cash.Maybe you're waiting to sell.Maybe you...
08/29/2026

โ€œWe're not ready yetโ€ can mean a lot of different things.

Maybe you need more cash.

Maybe you're waiting to sell.

Maybe you're worried about your credit.

Maybe you're not sure what payment you can comfortably handle.

Those are all conversations worth having before you count yourself out.

You don't need to be ready to buy tomorrow to start figuring out what it would take.

08/28/2026

Rate matters.

But it isn't the whole story.

The right financing strategy depends on what you're trying to accomplishโ€”buy sooner, preserve cash, compete, move up, or solve a complicated situation.

๐—ฆ๐˜๐—ฎ๐—ฟ๐˜ ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐—ด๐—ผ๐—ฎ๐—น. ๐—ง๐—ต๐—ฒ๐—ป ๐˜๐—ฎ๐—น๐—ธ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป.

Two buyers can earn the same salary: and still have very different homebuying budgets.Why? Monthly obligations matter. C...
08/27/2026

Two buyers can earn the same salary: and still have very different homebuying budgets.

Why? Monthly obligations matter. Car loans, student loans, credit cards, and other required debt payments all affect debt-to-income: and can change the purchase price range that may make sense.

One actionable step: before estimating a comfortable payment or shopping price, make a complete list of every required monthly debt payment. Include the balance, minimum payment, and remaining term when possible.

Then read the full breakdown: โ€œHow Debt Affects How Much Home You Can Afford.โ€

Read it here: https://tinyurl.com/y4jrtfe2 or https://tinyurl.com/4ykw2ue7

๐–๐ก๐š๐ญ ๐ฆ๐จ๐ง๐ญ๐ก๐ฅ๐ฒ ๐๐ž๐›๐ญ ๐ฌ๐ฎ๐ซ๐ฉ๐ซ๐ข๐ฌ๐ž๐ฌ ๐›๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐ฆ๐จ๐ฌ๐ญ: car loans, student loans, or credit cards?

Agents: when an offer loses, the conversation usually becomes:โ€œWe need to offer more.โ€But sometimes the better question ...
08/27/2026

Agents: when an offer loses, the conversation usually becomes:

โ€œWe need to offer more.โ€

But sometimes the better question is:

โ€œ๐–๐ก๐š๐ญ ๐๐จ๐ž๐ฌ ๐ญ๐ก๐ž ๐ฌ๐ž๐ฅ๐ฅ๐ž๐ซ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐œ๐š๐ซ๐ž ๐š๐›๐จ๐ฎ๐ญ?โ€

Price matters. But financing structure, timing and certainty can matter too.

Before your buyer automatically increases the offer price, let's look at whether there's another way to make the offer more compelling.

Address

39 Cedar Swamp Road
Smithfield, RI
02917

Telephone

+17707331551

Website

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