Mr Money Expert

10/17/2026

Maryland homeowners: as of October 1, you can pass your home to your family without probate using a one page deed.
Most families plan to buy the house. Very few plan for what happens to it next.
I broke down how it works, plus the silent partner in your 401(k) and three money moves to make before December 31, in the first issue of The Money Experts Monthly. One email a month, no fluff.
Read it and subscribe free:

Plus the silent partner in your 401(k) and three moves to make before December 31

10/17/2026

Everyone is posting about the “U.S. Dividend Fund.” Here’s what they’re leaving out 👇🏽 Swipe.

What’s being reported:
It’s a Solana meme coin launched on Pump.fun, not a government fund.
Its website promises $5,000 per eligible adult, but the numbers are labeled “illustrative” with no sources.
Its own fine print says it’s not affiliated with the White House or Treasury and may lose all or substantially all of its value.
It reportedly dropped more than 90% in under a week in September.
Two different contract addresses have been reported under the same name.

If a video gives you a countdown and a “final warning,” slow down. Do your own research before you invest in anything.

Send this to someone who might fall for it. Not sure if something is legit? Message me BEFORE you send them money 🙏🏾

Educational purposes only. Not investment advice.

DoYourResearch FinancialLiteracy

10/17/2026

Stronger together. Mortgage Experts stands with every woman, family and survivor touched by breast cancer this October. Early detection saves lives, so talk to your doctor about screening. 🎀

10/17/2026

October is Breast Cancer Awareness Month. We stand with every woman, family and survivor. Early detection saves lives, so talk to your doctor about your screening. 🎀

10/16/2026

You left a job and left a retirement account behind, a TSP or a 401k. Now what? Here are the 4 options, in plain English. 💰

Let us talk about your old TSP or 401k 👇🏽

OPTION 1: LEAVE IT 👇🏽

Many plans, including the TSP, let you keep the money where it is after you leave. It stays invested, but you are now keeping track of an account tied to a job you no longer have.

OPTION 2: MOVE IT TO A NEW PLAN 👇🏽

If your new employer’s plan accepts rollovers, you can combine everything in one place. Federal employees can often roll an old 401k into the TSP too.

OPTION 3: ROLL IT INTO AN IRA 👇🏽

An IRA is an account you open yourself, often with more investment choices. Fees and options vary, so compare before you move.

OPTION 4: CASH IT OUT 👇🏽

This is usually the costly one. The money is typically taxed as income, and if you are under 59 and a half, there may be an extra 10% early withdrawal tax, with some exceptions. You also lose years of growth.

A DETAIL THAT MATTERS 👇🏽

A direct rollover sends the money from one account to the other without it passing through your hands. If a check is made out to you instead, 20% is typically withheld for taxes.

THE REAL RISK 👇🏽

Old accounts get forgotten. A balance sitting untouched for 10 years is a balance nobody is paying attention to.

Everyone’s situation is different, so check with the plan and a tax professional on the details.

Know your 4 options before you walk out the door.

FinancialLiteracy MoneyEducation MoneyExperts PersonalFinance MoneyTip KnowYourNumbers DMVWealth

10/15/2026

If anyone has a church that would like me to speak on financial literacy, please comment below. 🙏🏾

10/15/2026

Your 401k or IRA balance can work for you in a mortgage application, even if you never touch it. Here is how lenders look at it. 🏠

Let us talk about retirement accounts and mortgage approval 👇🏽

LENDERS LOOK AT ASSETS TOO 👇🏽

Income is only part of the picture. Lenders also look at what you have saved, including money in retirement accounts.

WHAT CAN COUNT 👇🏽

Vested funds in a 401k or IRA can be counted toward your down payment, closing costs, and reserves.

WHAT RESERVES ARE 👇🏽

Reserves are money left after closing that could cover your mortgage payments if income dipped. A $2,500 payment with 6 months of reserves is $15,000.

THE PART MOST PEOPLE MISS 👇🏽

For reserves, the money generally does not have to be withdrawn. The lender verifies the account and confirms the funds are vested. The balance counts as a safety net while it keeps growing.

WHAT VESTED MEANS 👇🏽

The funds are yours to take, not tied to an employer schedule. Lenders also want to confirm the account allows withdrawals even if you are no longer working there.

COUNTING IT VS USING IT 👇🏽

Counting a balance as reserves is different from pulling money out for the purchase. Withdrawals can come with taxes and penalties, so talk to a tax professional before you do that.

ONE MORE THING 👇🏽

The way a balance is counted can differ by loan type. Ask how yours would be treated.

Your retirement savings can support your mortgage without being spent.

Marcus Eligan | Mortgage Experts | | NMLS #189199 | Equal Housing Opportunity

MortgageEducation MortgageExperts FirstTimeHomeBuyer FinancialLiteracy KnowYourNumbers DMVRealEstate

10/15/2026

Commanders vs 49ers, Monday night. Final score? Drop your prediction below. 👇🏽

10/14/2026

Your bank said no. Does that mean the answer is no? 🏡

A bank lends inside one box. If your income, credit story or property does not fit, you get a no, even when the deal makes sense.

❌ Self-employed and the tax returns do not tell your story
❌ Credit bumps and told to come back in a year
❌ Investing and rental income does not count
❌ Idle home equity and nobody to help you use it

A bank is one lender with one set of rules. At Mortgage Experts we work with many, so we find the loan that fits you.

What did your bank tell you? Comment BANK or call 301-945-8300. 🙏🏾

Marcus Eligan | NMLS #189199 | Mortgage Experts NMLS #1246272 | Equal Housing Lender
Subject to credit approval, property appraisal and program guidelines. Not a commitment to lend. Terms vary.

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