Heath Riddle - Loan Officer - 1340223
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Specializing in Conventional, FHA, VA, and MFA down payment assistance programs with personalized guidance every step of the way.
06/08/2026
Big housing bill headlines are everywhere. Here’s the simple version. ✅
Congress passed the 21st Century ROAD to Housing Act in the House on May 20, 2026. Before it changes anything, it still has to clear the final steps and then get implemented.
What it does not do:
🚫 It does not lower rates, drop prices, or instantly add a bunch of homes to the market.
What buyers should watch instead:
1. FHA updates for manufactured homes
2. A path that can help fund ADU projects
3. Possible changes that could make mortgages under $100K easier to get over time
If you’re buying this summer, your biggest drivers are still your credit, down payment plan, debt-to-income, and when you lock.
The right home matters.
But the right mortgage strategy matters just as much.
At NEO, we help you look beyond the purchase price and monthly payment so you can understand how this decision fits into your bigger financial picture.
Your goals.
Your timeline.
Your cash flow.
Your future plans.
Because buying a home should not feel like guessing.
It should feel like moving forward with confidence.
05/25/2026
On Memorial Day, we honor the men and women who made the ultimate sacrifice in service to our country.
Their courage deserves more than a passing mention.
It deserves our remembrance, our respect, and our gratitude.
May we live in a way that honors what they gave.
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3800 Osuna Road NE, Ste 1
Albuquerque, NM
87109
