Home doesn’t look the way it used to — and that’s something to celebrate. This Thanksgiving, Liana Pomeroy reflects on how today’s families are redefining what home means, from co-buying to blended households, and how Pomeroy Lending proudly supports every version of the American Dream.

As the year winds down, gratitude finds its way home. In warm lights, shared meals, and the comfort of knowing you’ve built something lasting. From first-time buyers to seasoned investors, there’s always something to be grateful for in the journey toward stability, freedom, and belonging.

Rates have dropped into the high fives and low sixes for many homeowners. If your mortgage rate starts with a seven or eight, your buydown is expiring, or you’re still paying mortgage insurance, now is the time to revisit your loan strategy. A refinance could mean real savings and more financial stability.

Lifestyle real estate is not about luxury. It is about designing a home and financing strategy that supports your real life. From renting out a main house while living in an ADU, to househacking a duplex, or creating multigenerational living, smart financing can reduce costs, build equity, and improve quality of life.

Retirement is not the end of your homeownership journey. With the right financing tools such as reverse mortgages, HELOCs, and asset based loans, seniors can downsize, free up cash, or move closer to family. Whether you are 62 or 82, you still have options to create stability, reduce stress, and own a home that supports your lifestyle.

Yes, you can start building wealth in real estate even if you’re low on cash. Some of the most powerful strategies begin with your own home and require little or no money out of pocket. From zero-down VA loans to FHA and conventional househacking, gift funds, and partnerships, there are creative ways to buy your first property affordably. Your first home could also be your first investment. Let’s make your money work smarter.

Flipping houses can be a smart way to build wealth, especially in today’s soft market. With more inventory, motivated sellers, and less competition, savvy investors can find profitable deals. The key? Buy smart, stick to the 70% Rule, budget with discipline, and always have a backup plan. From first-time flippers to seasoned pros, the right financing and strategy can turn your next project into serious equity.

Think you need 20% down and perfect credit to buy a home? Think again. Whether you’re self-employed, working with a lower credit score, or only have $1,000 saved, there are creative paths to ownership. From FHA and VA loans to house hacking, bank statement loans, and down payment assistance, the key isn’t waiting—it’s having the right strategy. Let’s build a plan that works for your life, not someone else’s checklist.

You don’t need to be rich, married, or 40 to buy a home. Millennials are flipping the script with strategies like house hacking, co-buying, and creative financing. Think renting out extra rooms, living in one unit of a duplex, or using an ADU to help cover the mortgage. With low down payment loans, assistance programs, and smart planning, homeownership is more possible than most people realize. Let’s run your numbers.

Renting can offer freedom—but it won’t build wealth. If you’re ready to start thinking long-term, owning a home is how you turn monthly payments into equity, options, and financial security. You don’t need perfect credit or a massive down payment—just a plan that fits your life. Let’s talk strategy and build something that belongs to you.

AI is speeding up the mortgage process, but it still cannot think strategically or understand your unique financial goals. That’s where I come in. I use technology where it helps—and human expertise where it counts. Whether you’re self-employed, investing, or navigating complexity, I’ll help you find the lending solution that fits your real financial picture. Let’s talk about what’s possible.