Deciding between renting and owning? Consider the facts before choosing:
🏘️ When you RENT:
- Your monthly payment will likely increase.
- You are limited in customizing your home.
- You will likely pay rent, fees and a security deposit.
- You build your landlord's wealth.
🔑 When you OWN:
- Your monthly payment is locked in.
- You have the freedom to customize your home.
- You will likely own a down payment and closing costs.
- You build your own wealth.
No matter which route you pick, it's important to make an educated decision based on the following questions:
💲 What can you afford?
🏠 How long do you plan to stay in the home?
❓ Do you want stability or flexibility?
🛠️ Can you afford to be responsible for home repairs/maintenance?
🥇 What are your financial, career and family goals?
Still on the fence? Let's talk about it.
Send me a message to discuss your options!
If your credit is lower than you'd like, there are many ways you can boost it up! Follow my steps to a higher credit score so you can stop worrying and start working towards qualifying for the best terms on loans and credit cards.
Take the pain out of the mortgage process with on-demand approvals, free MLS access and virtual closings - letting you sign documents from anywhere. Close from a coffee shop, your couch or out by the pool! Ready to get started? Send me a message!
At home, you use energy every day, but cutting back is a lot easier than you might think. Often it means making a few changes in your habits, which in turn, will help you lower your bills and have a positive impact on the environment. Check out some of my top energy saving tips!
Wyndham Capital Mortgage - NMLS #2948
August 21 at 9:54 AM ·
Congratulations to our outstanding President’s Club members for Q2 of 2020 - Kara Whitman - Wyndham Capital Mortgage - NMLS #835041, Drew Fisher - Wyndham Capital Mortgage, Tyler Carnahan - Wyndham Capital Mortgage - NMLS ID #150740 Dennis McCoy - Wyndham Capital Mortgage, Mark Taylor - Wyndham Capital Mortgage, Eric Meckler - Wyndham Capital Mortgage, Kyle Balder - Wyndham Capital Mortgage, Steve Johnson - Wyndham Capital Mortgage, Adam Coleman - Wyndham Capital Mortgage, Ryan Hauppa - Loan Officer, NMLS #1762930, Russell Ferrari - Wyndham Capital Mortgage & Dylan Kirby - Wyndham Capital Mortgage!
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For those who don’t know, our WCM President’s Club is made up of the top sales employees in each quarter to celebrate and recognize all of their hard work. Awesome job, team!
WHAT’S THE DIFFERENCE?
PRE-QUALIFICATION is the first step in the mortgage process. This is where you meet informally with a loan officer to go over your income and liabilities. Based on the information you provide, they will be able to give you a rough estimate as to how much money you'll be able to borrow. That estimate is not a sure thing, however.
During the formal mortgage PRE-APPROVAL process, you’ll fill out a mortgage application and provide some documents that detail your income and credit. From here, a home loan amount can be determined.
BOTTOM LINE: If you’re ready to start your search now, let Wyndham Capital get you started the right way with our Automated Pre-Approvals. Real-time, property-specific approvals available anywhere and anytime. Send me a message to get started now!
So you want to buy a house. Great! Now what? Use my quick hit list to gather the main documents you'll need:
📄 Tax returns
📄 Pay stubs, W-2s or other proof of income
📄 Bank statements and other assets
📄 Credit history
📄 Photo ID
📄 Renting history
Ready to get started? Send me a message!
Reach out to me with any questions you may have!
HOUSINGBRIEF.COM
Mortgage Rates Slightly Lower
Today, I'll be talking about something that's probably in your home already: plants. It's always a great way to liven up your home. A bit of greenery keeps you in touch with nature and makes your living areas comfortable and cozy. However, it's important to think about two important factors when it comes to plants: air quality and pet-friendliness.
1. Air Quality. Did you know some houseplants can actually improve air quality? As you probably remember from grade school biology, plants give off oxygen and take in CO2. Aloe Vera, Lady Palm, and Bamboo are just three examples of house plants that make your air particularly breathable.
2. Plants & Pets. Did you know some plants are toxic to pets? Dogs and cats can get very sick from common houseplants. Check out the ASPCA for a list of toxic greenery. In the meantime, choose a Boston fern or spider plant -- they are non-toxic for felines and canines.
Have any other questions about home tips & tricks? Send me a message today!
Wyndham Capital Mortgage - NMLS #2948
November 23 at 12:25 PM ·
"What really attracted me to Wyndham Capital when I was making my career change was their investment in technology and seeing how they were really changing the game in the Fintech world."
Check out our interview with Senior Mortgage Consultant Dylan Kirby - Wyndham Capital Mortgage in our latest #SetUpForSuccess video series. Dylan explains how WCM's automated email technology and Customer Experience Team have helped lead him to a successful career at Wyndham Capital.
Hear Dylan's story and discover how WCM can set you up for success at JoinWyndham.com.
Even if you plan to call in the experts to do major work on your home, there's always a time when you can perform a simple fix or take a closer look at potential issues in your home.
There are several tools you should have to help. These items make sure you can reach your roof; repair holes in walls; hang pictures on your walls; and numerous other home repair and design jobs.
· Ladder
· Tape measure
· Pliers, standard and vise-grip
· Screwdrivers, screws, nuts, and bolts
· Level
· Stud finder
· Hammer, nails
· Wire cutters
· Cordless drill
· Utility blades
· Putty knife and spackle
You don't have to be a handyperson to be a homeowner -- but in a pinch, it helps to have the tools. At Wyndham Capital, we're your go-to source for financial information. Send me a message about your home financing now!
Today and everyday we thank the brave men and women who have served our country for generations! This #veteransday we salute you!
HOW TO LABEL YOUR BREAKER BOX:
You may have to use your breaker box if a circuit is tripped, or to shut off power to certain areas of your home to perform repairs.
Step 1: Turn on whatever you can in your home.
Step 2: Turn off one breaker.
Step 3: Note what items in your home lose power.
Step 4: Label the breaker with the items.
Step 5: Repeat for all remaining breakers.
BONUS TIP: Use real names for items and areas. For example, label a breaker "south-facing bedroom," instead of "baby's room," to avoid confusion among emergency crews or anyone not familiar with your home. Be sure to label using permanent marker so it doesn't fade.
Your home is your most valuable financial asset. Don't hesitate to be in touch if you need help to keep it safe. Send me a message today!
Thank you to the 256 families that trusted me with their biggest financial decision in a challenging 2020!
I am humbled to be apart of the Presidents Club at Wyndham Capital in my first full year.
I am looking forward to an exciting 2021!
NMLS- 1690952
#WCM #wecaremore #ifyougolocalyouarelosing #presidentsclub
