BREAKING NEWS: Congresswoman Marjorie Taylor Greene Introduces the “No Tax on Home Sales Act”

July 15, 2025 by christianpenner

BREAKING NEWS: Congresswoman Marjorie Taylor Greene Introduces the “No Tax on Home Sales Act”

BREAKING NEWS: Congresswoman Marjorie Taylor Greene Introduces the “No Tax on Home Sales Act” This could be a major win for homeowners and wealth builders across the country.

On Thursday, July 10, 2025, Congresswoman Marjorie Taylor Greene (R-GA) introduced legislation that would eliminate the federal capital gains tax on the sale of a homeowner’s primary residence.

That’s right. No more $250,000 or $500,000 limits
If you sell your home and meet the eligibility criteria, you keep all of your profit
The IRS does not take a cut of your equity

The bill is not designed for real estate investors or house flippers. Instead, Greene is focused on providing relief for average American families, especially seniors who feel trapped in homes that no longer meet their needs, and everyday homeowners who have seen property values rise significantly over time.

Her vision is straightforward:
Remove unnecessary tax burdens from responsible homeowners
Encourage market mobility and smart downsizing
Stimulate housing inventory to help first-time buyers
Reward long-term equity growth and wealth-building

Under current federal law, homeowners can exclude up to $250,000 (single) or $500,000 (married) in capital gains on the sale of a primary residence. However, in today’s real estate market, those thresholds are quickly being exceeded. Just look at states like Hawaii at 79.1 percent, Washington at 64.8 percent, and California at 62.2 percent where a majority of sellers are now over the exclusion limit.

Greene’s bill would eliminate those exclusion caps entirely. If a homeowner has lived in the property for at least two of the past five years, then the entire gain on the sale would be tax-free.

The bill has been referred to the House Committee on Ways and Means and is now gaining national attention. Industry professionals and economic analysts are beginning to discuss its potential to unlock housing supply, support financial freedom for aging homeowners, and reignite opportunity for the next generation of buyers.

If you’re planning to sell
If your home has appreciated significantly
If you’re looking to reinvest your equity into a new chapter

This proposal could represent one of the most meaningful real estate tax reforms in decades.

For reference, read IRS Publication 523 and Topic No. 701. All official links and additional resources are listed in the comments below.

Note: We are simply citing public sources and official IRS Publications. This post is not financial or tax advice. Please consult a qualified tax professional before making any decisions related to capital gains or property sales.

#NoTaxOnHomeSales #CapitalGainsRelief #HomeownershipFreedom
#MTG #RepublicanLeadership #TaxSmartMoves
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#RealEstateTaxStrategy #WealthBuilding #EquityMatters
#MortgageStrategy #FloridaRealEstate #TaxPlanning

If you’re a buyer, seller, investor, or homeowner considering a refinance, now is the time to prepare and strategize. Let’s talk about what this could mean for your future borrowing power.

I’ve been in the mortgage lending and real estate financing business since 1997, and I serve as the President of America’s Mortgage Solutions. With nearly three decades of experience as a Mortgage Broker Business Owner, Real Estate Expert, and Entrepreneur, my mission is simple. I deliver high-impact financial solutions that are tailored to your personal, professional, and investment goals.

We are your One-Stop Shop for All Types of Mortgage Financing Solutions and Real Estate Deals. Backed by a team of seasoned professionals who share a unified vision, we focus on making your mortgage a powerful tool within your overall financial strategy. Our goal is to create custom financing packages that align with your short-term objectives and long-term wealth-building goals. This approach helps you build equity, maximize cash flow, and minimize tax exposure.

Whether you’re buying, selling, refinancing, investing, or building your dream home or commercial project, we offer expert guidance in residential mortgages, commercial real estate financing, and development deals. In today’s dynamic financial landscape, your mortgage should not be treated as a simple transaction. It should serve as a strategic instrument that supports lasting financial growth and legacy planning.Our services extend beyond traditional lending. We provide specialized luxury financing for yachts, aircraft, RVs, and collector or exotic vehicles. For those improving waterfront properties, we offer marine construction services through Dockside Builders, including seawalls, docks, and boat lifts.

When disaster strikes, our heavy-duty grapple trucks and rapid-response cleanup teams are ready to restore and rebuild.

We also provide access to a trusted network of top-tier professionals including Realtors, insurance agents, estate planners, real estate attorneys, CPAs, and financial advisors. Our mission is to deliver integrated solutions that help you make confident, informed decisions at every stage of your financial journey.

We are your one-stop brokerage for customized mortgage and real estate solutions, personal and business financing, luxury asset lending, and full-service disaster recovery and development support.

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Let’s build your financial future together.

⸻Helpful Links in the Comments:

• IRS Capital Gains Publication: https://www.irs.gov/publications/p523
• IRS Topic 701 – Sale of Your Home: https://www.irs.gov/taxtopics/tc701
• News Coverage: https://www.mortgageresearch.com/articles/congresswoman-launches-bill-to-eliminate-capital-gains-tax-home-sales
• Full Bill Text (PDF): https://greene.house.gov/uploadedfiles/greene-no-tax-on-home-sales.pdf
• Official Press Release: https://greene.house.gov/news/documentsingle.aspx?DocumentID=1125
• Related Commentary: https://youtu.be/1s9tFz2oOvg?si=JDJTfbgbkFtANTom

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

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We have been in the Mortgage and Real Estate Business since 1997!

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Our goal for you is to help you to minimize your tax liability and maximize your cash flow. In today’s market, a mortgage loan is more than ever a financial instrument that must be tied into your long and short-term personal financial plan. This will allow you to create a debt strategy that will help you to build long-term wealth for you and your family.

Check Our Reviews:

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Keep in mind we shop more than 250 residential and over 10K Commercial banks, lenders & mortgage companies to give you amazingly low rates and the largest product line in the country!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

2) 🏦 Apply for a mortgage now at www.ChristianPennersLoanApp.com

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See All of Christian’s Helpful Resource Links Below:🔍 Comprehensive Services for All Your Real Estate, Financing & Disaster Recovery Needs! Whether you’re looking for financing 💰 or to BUY 🏡, SELL 🔄, LEASE 📝, INVEST 💹, or BUILD your DREAM HOME 🏗️ or OFFICE 🏢, we’ve got you covered! From residential properties 🏘️ to commercial real estate & development 🏗️🏬, we provide expert solutions tailored to your needs. Enhance your waterfront property with custom docks 🌊, seawalls 🏗️, and boat lifts ⛵🔼. Need disaster cleanup? Our heavy-duty grapple trucks 🚛💥🛠️ are ready for storm damage 🌪️⚡🔥, fallen debris removal 🏚️🌲💨, and rapid response cleanup 💪🚜⏳. We also specialize in luxury financing for yachts 🛥️, aircrafts ✈️, RVs 🚐, and exotic cars 🚗. Looking for insurance & financial solutions? We offer homeowners & commercial insurance, life insurance, estate planning, and access to top real estate attorneys, CPAs, and financial advisors 📊. Call us TODAY 📞—our team of experts is ready to help you make CONFIDENT decisions 👥💼, no matter your NEED 🎯 or GOAL 🏆! 🏡🏘️ AMS Mortgage Solutions & The Christian Penner Network 🏦📈 🏡 Mortgage, Business & Real Estate Solutions📊 🌟 Christian Penner Personal Site: https://AMS.Money/ChristianPenner 🏦 Mortgage Solutions: https://AMS.Money/Mortgage 💼 Business Financial Services: https://AMS.Money/BFS 🌐 Christian Penner’s LinkTree: https://AMS.Money/CPLinkTree 💰 Loan Products & Mortgage Options: https://AMS.Money/LoanProducts 📚 Helpful Resources & Websites: https://AMS.Money/Resources&Websites 🏘️ Real Estate Solutions & Services: https://AMS.Money/RealEstate 📉 Rate Ranges & Trends: https://AMS.Money/RateRanges ⚖️ Service Level Agreement (SLA): https://AMS.Money/SLA 📊 HomeBot Home Valuation & Market Insights🏡

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🔍 Whether you’re looking for financing 💰 or to BUY 🏡, SELL 🔄, LEASE 📝, INVEST 💹 or BUILD YOUR DREAM HOME 🏗️ or OFFICE 🏢 on Residential Properties 🏘️, Commercial Real Estate 🏬, or Development Commercial Real Estate 🏗️, Yachts 🛥️, Aircrafts ✈️, RVs 🚐, or Exotic Cars 🚗 – call us TODAY 📞. No matter the NEED 🎯 or GOAL 🏆 – let’s make CONFIDENT decisions together 👥💼.

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Mortgage Rates Hold Steady at 3-Month Lows – Updated with Today’s APRs

July 2, 2025 by christianpenner

Mortgage Rates Hold Steady at 3-Month Lows – Updated with Today’s APRs

It’s been 88 days since the average 30-Year Fixed Mortgage Rate was this low. That means we’re officially back near 3-month lows, giving buyers, investors, and homeowners a meaningful opportunity to act before potential volatility later this week.

Today’s Mortgage Rates (as of July 1, 2025):

• 30-Year Fixed: 6.67% | APR: 6.78%
• 15-Year Fixed: 5.91% | APR: 6.03%
• 30-Year FHA: 6.19% | APR: 6.85%
• 30-Year Jumbo: 6.80% | APR: 6.88%
• 7/6 SOFR ARM: 6.29% | APR: 7.04%
• 30-Year VA: 6.20% | APR: 6.58%

APRs are based on average assumptions and will vary by credit score, loan amount, property type, and state.

What’s Moving the Market?

Bond markets improved late yesterday, leading many lenders to offer slightly better pricing. Some of that gain faded this morning after the latest JOLTS job openings report showed higher-than-expected demand, which tends to push rates higher.

But the real wildcard arrives Thursday morning with the Employment Situation Report, which includes:

• Job creation numbers for June
• Wage growth data
• The updated national unemployment rate

This report could create significant movement in mortgage rates, depending on how the market reacts to the labor data.

Thinking about buying, refinancing, or pulling cash out?

Now is the time to lock in your strategy before Thursday’s volatility hits. Let’s build a custom Loan Comparison Analysis to see what you qualify for, and how much you could save.

Call or Text Christian Penner: 561-316-7544

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These APRs are based on average assumptions and will vary by credit score, loan amount, property type, and state.

DISCLAIMER: Some products may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Terms and conditions apply. All rights reserved. America’s Mortgage Solutions NMLS#2009420 – AMS.Money/Mortgage /America’s Mortgage Solutions, Inc. NMLS 2009420

Read from source: “Click Me”

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

Or You can click “Call Me” below to call Christian Penner directly using Google Voice

We Specialize in All Types of Financing, Mortgage Loans and Real Estate Deals.

We have been in the Mortgage and Real Estate Business since 1997!

Connect with us on Social Media

Personal Profiles:

America’s Mortgage Solutions:

YouTube Video Playlist Links:

American Dream TV Show | Mortgage Process Steps | Homebot Videos | Traditional Loan Programs | NON-QM & Portfolio Loan Programs

HomeBot: Build more wealth with your home

Homeowners👉https://hmbt.co/nwCdmG
Homebuyers👉 https://hmbt.co/G8fMT
Realtors 👉 https://youtu.be/wXROJXQWgug
Join here Realtors 👉 https://join.homebot.ai/sponsor/368289?type=real-estate-agent

Check Our Reviews:

Residential Financing Options:

Temporary Interest Rate Buy-downs on a fixed-rate conventional | FHA | VA loans: 3-2-1, 2/1 or 1/0.

Luxury Sales & Epic Loan Options:

Commercial Financing Options:

Keep in mind we shop more than 250 residential and over 10K Commercial banks, lenders & mortgage companies to give you amazingly low rates and the largest product line in the country!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

2) 🏦 Apply for a mortgage now at www.ChristianPennersLoanApp.com

If you apply, please text me your full name and email address 📱561-373-0987 or

3) 📞Call me directly ☎️561-373-0987

🏡 Check Your Home Value: https://AMS.Money/CheckYourHomeValue
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🔎 Home Search: https://iRealEstateSearch.com/Search
🏡 Homes for Sale: https://iRealEstateSearch.com/Homes
🚀 Advanced Search: https://iRealEstateSearch.com/Advanced
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Helping You Achieve The American Dream Of Home Ownership.

Christian Penner, CMA

President | CEO | Mortgage Broker

NMLS#368289

America’s Mortgage Solutions, Inc NMLS#2009420

Cell/SMS: 561-373-0987

Direct/efax/SMS: 561-316-6800

ChristianPenner.com/MyBusinessCard

https://g.page/TheMortgageTeam

www.AmericasMortgageSolutions.com

Christian Penner

712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800

What You Need To Know About Saving for a Home in 2024

December 28, 2023 by christianpenner

What You Need To Know About Saving for a Home in 2024

If you’re planning to buy a home, knowing what to budget for and how to save may sound intimidating – but it doesn’t have to be. One way to ease those concerns is to make sure you understand some of the costs you may encounter up front. And to do that, always turn to trusted real estate professionals. They can help you set a plan and take a strategic look at your budget and your process before you even get started.

Here are just a few things experts say you should be thinking about.

1. Down Payment

Saving for your down payment is likely top of mind as you set out to buy a home. But do you know how much you’ll need? While every buyer’s situation is different, there’s a common misconception that putting 20% of the purchase price down is required. An article from the Mortgage Reports explains why that’s not always the case:

“The idea that you have to put 20% down on a house is a myth. . . . The right amount depends on your current savings and your home buying goals.”

To understand your options, partner with trusted real estate professionals to go over the various loan types, down payment assistance programs, and what each one requires. The more you know ahead of time, the easier the process will be.

2. Closing Costs

Make sure you also budget for closing costs, which are a collection of fees and payments made to the various parties involved in your transaction. Bankrate explains:

“Closing costs are the fees you pay when finalizing a real estate transaction, whether you’re refinancing a mortgage or buying a new home. These costs can amount to 2 to 5 percent of the mortgage so it’s important to be financially prepared for this expense.”

The best way to understand what you’ll need at the closing table is to work with a trusted lender. They can provide you with answers to the questions you might have.

3. Earnest Money Deposit

If you want to cover all your bases, you can also consider saving for an earnest money deposit (EMD). An EMD is money you pay as a show of good faith when you make an offer on a house. According to Realtor.com, it’s usually between 1% and 2% of the total home price.

This deposit works like a credit. It’s not an added expense – it’s paying a portion of your costs upfront. You’re using some of the money you’ve already saved for your purchase to show the seller you’re committed and serious about buying their house. Realtor.com describes how it works as part of your sale:

“It tells the real estate seller you’re in earnest as a buyer . . . Assuming that all goes well and the buyer’s good-faith offer is accepted by the seller, the earnest money funds go toward the down payment and closing costs. In effect, earnest money is just paying more of the down payment and closing costs upfront.”

Keep in mind, an EMD isn’t required, and it doesn’t guarantee your offer will be accepted. It’s important to work with a real estate advisor to understand what’s best for your situation and any specific requirements in your local area. They’ll advise you on what moves you should make so you can make the best possible decisions throughout the buying process.

Bottom Line

When buying a home, being informed about what to save for is key. Let’s connect so you’ll have an expert on your side to answer any questions you have along the way.

Read from source: “Click Me”

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

Or You can click “Call Me” below to call Christian Penner directly using Google Voice

We Specialize in All Types of Financing, Mortgage Loans and Real Estate Deals.

We have been in the Mortgage and Real Estate Business since 1997!

Connect with us on Social Media

Personal Profiles:

America's Mortgage Solutions:

YouTube Video Playlist Links:

American Dream TV Show | Mortgage Process Steps | Homebot Videos | Traditional Loan Programs | NON-QM & Portfolio Loan Programs

HomeBot: Build more wealth with your home

Homeowners👉https://hmbt.co/nwCdmG
Homebuyers👉 https://hmbt.co/G8fMT
Realtors 👉 https://youtu.be/wXROJXQWgug
Join here Realtors 👉 https://join.homebot.ai/sponsor/368289?type=real-estate-agent

Our goal for you is to help you to minimize your tax liability and maximize your cash flow. In today's market, a mortgage loan is more than ever a financial instrument that must be tied into your long and short-term personal financial plan. This will allow you to create a debt strategy that will help you to build long-term wealth for you and your family.

Check Our Reviews:

Residential Financing Options:

Temporary Interest Rate Buy-downs on a fixed-rate conventional | FHA | VA loans: 3-2-1, 2/1 or 1/0.

Luxury Sales & Epic Loan Options:

Commercial Financing Options:

Keep in mind we shop more than 250 residential and over 10K Commercial banks, lenders & mortgage companies to give you amazingly low rates and the largest product line in the country!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

2) 🏦 Apply for a mortgage now at www.ChristianPennersLoanApp.com

If you apply, please text me your full name and email address 📱561-373-0987 or

3) 📞Call me directly ☎️561-373-0987

Helping You Achieve The American Dream Of Home Ownership.

Christian Penner, CMA

President | CEO | Mortgage Broker

NMLS#368289

America’s Mortgage Solutions, Inc NMLS#2009420

Cell/SMS: 561-373-0987

Direct/efax/SMS: 561-316-6800

ChristianPenner.com/MyBusinessCard

https://g.page/TheMortgageTeam

www.AmericasMortgageSolutions.com

Christian Penner

712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800

Joel Aratare

15:56 08 Feb 24

America mortgage solutions is amazing! Christian Penner and his assistant, Andrea make the mortgage process easy. If you’re looking for the good guys and a team with all your mortgage solutions! Call them today!

Tiago Lopes

18:07 28 Jul 23

As a first time homeowner, Christian Penner made the whole process very easy. He was always available to answer my questions and help with any problems i had. If you’re looking for a mortgage company, I highly recommend America’s Mortgage Solutions. I will definitely use them again and tell all my friends about them

Max Lipton

22:49 24 Jul 23

Christian helped me tremendously through the process of purchasing my home and helping me secure a mortgage. His team has also stayed in contact with useful tools for a homeowner that have really helped me understand my home. The Homebot App is also an extremely helpful tool that has also helped me to make the decision as to when I should consider selling as well.

Lauren W

01:39 19 Jan 23

I'm not the type of person who takes the time to leave reviews, but I truly felt the need to leave one for Christian and his team. This is the hardest working group of professionals that I've encountered in my 14+ years of living in South Florida. I truly thought that I had landed on the best mortgage product available after talking to several different mortgage companies. That is, until I met Christian. I politely told him to get lost but he patiently explained how he could save me money. I was skeptical at first, but he delivered everything he promised and more. His service did not end after the closing. I recently reached out to him for advice and he once again delivered a great solution. Thank you, Christian, I look forward to doing business with you again.

Kevin Coumes

00:39 02 Jun 22

Christian Penner and his team are remarkable! True professionals at their best! I will always use Christian and his team for all of my lender needs in South Florida - period.Marni, Andrea, and Christian are experts at what they do! Call Christian and his team for trusted and expertise that you need when financing real estate!

Brian Sharkey

14:35 22 Sep 21

When you need a local lender as the customer it is important to look for someone who can be organized and prepared for any local issues that can ruin a deal, know the community and how to get you funded on time. Meet Marni from Christian Penner Group for an amazing experience. I recommend you contact her she will call you back shortly.

Jeffrey Zananiri

12:55 14 May 21

Christian and his team provided a stress free, white glove service. Highly recommend.

Jack Dixon

18:06 01 Apr 21

Working with Chris + team was incredible! They reduced our anxiety and stress levels, were tolerant and patient throughout the entire process, and got the deal done in breakneck speed. We're extremely happy in our new home. Highly recommended!

Kathy Letourneau

22:42 14 Feb 21

Beverly Boyett was my representative and she went above and beyond in assisting me with my Refi. She DID what she said she would do... and MORE! Can't express how kind, efficient and knowledge she was. I will definately go back to Hamilton in the future with any home financing needs.

Anthony Messina

22:25 12 Feb 21

Americas mortgage solutions does such an amazing job . Christian and his staff make refinancing about as seamless as it can be . They stay in contact with you if you need a question answered a fast reply is always there. Submitting all the forms was very easy also. They do whatever it takes to make sure your needs and concerns are met. Your name is always mentioned when I hear people talk about a mortgage .so thanks Christian, Becky , Kirstin and Diana sorry if I missed anyone ! for all your help in addressing my concerns AWESOME TEAM !!!

Jordan Volgs And More

15:00 03 Feb 21

If you are having difficulty getting a good deal on a mortgage, I would highly suggest that you contact ‘Christian and his amazing team. They will simply get things done that other companies cannot. And to top it off, his team makes it an absolute priority to get the deal done on time. Do not hesitate to contact Christian.