At JBMG, we work to find new innovative ideas to turn our borrowers into homeowners. Let us guide you to your new home! 🚪 🏠
#Homeowner #NewHomeBuyer #HomeBuyer #HomeLoan #LoanOptions #NewHomeLoan #HereToGuideYou #LocalMortgageExperts #SuperRadMortgageExperts
It’s International Day of Coffee! ☕🤎😍 Tell us how do you like your coffee? We range from a 1 to a 6 in this office, flavor of choice….hazelnut! 😋
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#InternationalDayOfCoffee #Coffee #HelloCoffee #GoodMorning #ILoveYouCoffee #CoffeeLover #ILoveYouALatte
Curb appeal is one of the biggest factors when selling a home. While something as simple as a neatly cut lawn and spruced up mulch can go a long way, it can be beneficial to invest in some longer-lasting upgrades to your home’s exterior. Hardscaping, or hard surface landscaping elements, can be a durable and attractive option that often adds to the value of your property. Check out our latest #BlogPost to see the Value of Hardscaping at your home.
https://www.jbmortgagegroup.com/the-value-of-hardscaping-at-your-home/ (I will be using a link shortener)
#NewBlogPost #NewPost #Hardscaping #Landscaping #CurbAppeal #SellerTips #HowToSellYourHome #ATXRealEstate
Have you thought about getting a Jumbo loan compared to a conventional home loan? 🤔 Jumbo Homes Loans can make high-end home purchases possible. When a loan amount reaches $510,400 in Texas, Jumbo and Super Jumbo Loans can offer high-end financing that a traditional loan can’t. With a jumbo mortgage, you’ll get great rates even on a large home purchase. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.
Have questions or ready to get started? Give us a call at (512) 549-2180 and one of our mortgage specialists would be happy to answer all of your questions.
#MortgageMonday #MondayMortgage #JumboLoan #SuperJumboLoans #LoanPrograms #LuxuryRealEstate #LuxuryHomes #MortgagePrograms #LoanOptions #FixedRates #AdjustableRates
You have cleaned up your credit score, saved for a down payment, and calculated your estimated monthly mortgage, but what additional costs should you be budgeting for BEFORE you purchase a new home? 💰 It is best to start budgeting now for these possible recurring monthly costs of homeownership.
💲 Mortgage, homeowner's insurance, property taxes, and HOA fees
💲 Utilities, including electric, water, gas, internet, cable, trash, pest control, and landscaping
💲 Maintenance & repair costs
💲 Remodeling expense
💲 Emergency funds
#Homeownership #BudgetingForAHome #NewHomeowners #MortgageTips #Budgeting101 #CostOfOwningAHome #NewHome
Enjoy a cheeseburger at one of these Iconic Austin Burger joints today for National Cheeseburger day! Comment below with your favorite cheeseburger spot!
🍔 Top Notch Hamburgers - 7525 Burnet Rd.
🍔 Dan’s Hamburger- 5602 N Lamar Blvd
🍔 JewBoy Burgers - 5000 Burnet Rd
🍔 Hopfields - 3110 Guadalupe St
🍔 Crown & Anchor Pub - 2911 San Jacinto Blvd
🍔 Contigo Austin - 2027 Anchor Ln
🍔 Pool Burger - 2315 Lake Austin Blvd
🍔 P. Terry's Burger Stand – Multiple Locations
🍔 Sandy’s Hamburgers - 603 Barton Springs Rd
🍔 Better Half Coffee & Cocktails – 406 Walsh St
#AustinEater #NationalCheeseburgerDay #AustinCheeseburger #FoodieAustin #Cheesburger #CheeseburgerAustin #WhereToEatInAustin
We know you can’t wait to pick out that new sectional and we are excited you will have a new living room to put it in. 🛋️ Help us make that a reality and hold off buying furniture until after closing.
Even with 0% financing and no payments until the following year, the furniture store is still going to run your credit, which could cause a temporary drop in your credit score. If you were close to the credit limit for your particular rate, simply buying that new furniture before your mortgage loan is closed could be enough to cause your loan not to close on time with the rate you wanted.
Likewise, taking on new scheduled debt payments could affect your debt-to-income ratio. If your ratios were close, the extra payments could cause you to no longer qualify, or at the very least, delay your closing.
If you are unsure about a purchase while you are in the process of buying a home, call us first!
#MortgageMemes #FirstTimeHomeBuyer #BuyerMistakes #BuyingOnCredit #MortgageQuestions #BuyingAHome #HomeBuyerQuestions #FirstTimeHomeBuyerMistakes #WaitToBuy
When you’re self-employed and you want to buy a home, you fill out the same application as everyone else. We also consider the same things such as your credit score, how much debt you have, your assets, and your income. What changes is that you do not have an employer to verify the amount and history of that income. Instead, we may request additional paperwork to verify these items.
If you are self-employed, you may be asked to supply additional paperwork such as:
📝 The last two years of tax returns for you and your business
📝 Year-to-date profit and loss statement
📝 Current balance sheet
📝 Letter from your accountant stating that you are still in business
📝 Your bank statements
If you are self-employed and ready to buy your dream home, we can walk you through the process and answer any questions you may have. Give us a call at 512-549-2180 or email us JBMG@JBMortgageGroup.com.
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#SelfEmployed #BusinessOwners #BuyingAHome101 #MortgageRates #Buyer #BuyerTips #Entrepreneurs
When you are applying for a loan, you may see “escrow account”. Each month, a portion of your mortgage payment 💵 will go into your escrow account and your lender will use the escrow account to pay you taxes and home insurance bills when they are due.
Each year your lender will analyze your account to make sure you are paying the right amount to maintain enough funds in your escrow account. Since the account is based on an estimate, the amount can be overestimated or underestimated.
Comment with your questions about Escrow Accounts or shoot us a message!
#MortgageMonday #Escrow #EscrowAccount #MortgageTerms #FirstTimeHomebuyer #HowToBuyAHome #RealEstateTerms #RealEstate101 #Mortgage101 #CostOfHomeownership
It’s Pumpkin Season and what better way to celebrate than an outdoor excursion to one of Austin’s areas Pumpkin Patches 🎃🥧
Grab the kids to pick out the perfect carving pumpkin or snap a few fall family photos. Don’t forget your mask!
Barton Hill Farms
1115 FM 969, Bastrop, TX 78602
Elgin Christmas Tree Farm
120 Natures Way, Elgin, TX 78621
Evergreen Farms Christmas Trees
242 Monkey Rd, Elgin, TX 78621ms
Sweet Berry Farm, Marble Falls
1801 FM1980, Marble Falls, TX 78654
The Jersey Barnyard
3117 TX-159, La Grange, TX 78945
#Fall #Pumpkins #PumpkinPatch #AustinPumpkinPatches #WeekendEvents #ThingsToDoInAustin #AustinFamilies
Thank you, teachers! You are going the extra mile, working longer days than ever, and reaching out to students in your care during this pandemic. JBMG appreciates all you do! #ThankYouTeachers #WorldTeacherDay
#WorldTeacherDay2020 #Teachers #Teacher #ThankAteacher #Remotelearning #Teachingin2020 #TeacherLife #Superheroes #BackToSchool
JB Mortgage Group updated their address.
Your debt-to-income ratio is one way we measure your ability to manage the monthly payments to repay the money you plan to borrow. We typically use a 43% ratio, which means we will not allow your debt 💳 (including your mortgage payments) to go above 43% of your pre-tax income💲. However, there can be exceptions.
➗ To calculate your debt-to-income ratio, you add up all your monthly debt payments and divide them by your gross monthly income. Your gross monthly income is generally the amount of money you have earned before your taxes and other deductions are taken out.
Need help figuring out your DTI Ratio? Contact one of our loan officers today.
#Debttoincomeratio #dtiRatio #income #MortgageTerms #FirstTimeHomebuyer #HowToBuyAHome #RealEstateTerms #RealEstate101 #Mortgage101 #CostOfHomeownership
From everyone at JBMG, we wish you and your family a safe & SPOOK-tacular Halloween! 🎃👻🍬
#HappyHalloween #Halloween2020 #Halloween #QuarantinedHalloween #trickortreat #pumpkin #halloweencostume #scary #october31 #AllHallowsEve
That feeling when you move into your DREAM home! 🥰🏠💃 With interest rates still at a historical all-time low, achieving your goal of becoming a homeowner is within reach. Let us help you make that goal a reality.
#homeowner #firstitmehomebuyer #interestrates #homegoals #becomingahomeowner #homeowners #preapproval
We work to support not only our borrowers but our realtor partners, as well! Head over to our website, JBMortgageGroup.com to request digital PDF or printed, even bound, versions of your very own customized Marketing Collateral pieces. These include co-branded: Homebuyer & Seller Booklets and Listing Finance Flyers.
#RealtorPartners #AgentServices #RealtorMarketing #CoBranding #BestinClassCustomerService #RealEstateServices #AgentPartners
Buying a home and building equity early is one of the best ways to invest in your future. Instead of paying rent and building someone else’s equity, invest in you and your family's future. You can tap into this equity when you sell your current home and move up to a larger, more expensive one. You can also use that equity to pay for major home improvements, help consolidate other debts, or plan for your retirement.
Start your process today at JBMortgageGroup.com and talk to one of our loan officers about how we can help you start building equity!
#firstitmehomebuyer #buildequity #househunting #buyingahome #whatisyourwhy #homeowner #homebuyer #investinginyourself
When determining if you can purchase a home, one of the main factors we look at is your CREDIT SCORE. Here are FIVE scary 👻 things that can affect your credit score:
1. Large amount of debt
2. Poor payment history
3. Short credit history
4. Too many accounts
5. Small mix of credit
Luckily, you are entitled to pull a free copy of your credit report from each of the three major credit bureaus, (Experian, TransUnion, and Equifax) once a year. Monitoring your credit score and actively working to improve your credit score can allow you to be approved for a larger amount and a lower interest rate when purchasing a home.
#CreditScore #CreditScoresMatter #personalFinances #howtobuyahome #buyingahome #credittips #firsttimehomebuyer #buyertips
With the amount of time it takes to empty your dishwasher, make your bed in the morning, or fold laundry, you could be one step closer to becoming a homeowner. Ten minutes is all it takes to get pre-approved for a home loan. Head to JBMortgageGroup.com and start the process today. What are you waiting for?
#Powerof10 #TenMinutes #PreApproved #PreApprovalProcess #PreQual #FirstTimeHomeBuyer #GetPreApproved #JBMortgageGroup #JBMG
It is not too early to get pre-approved for a new home! ✔️ Did you know that your pre-approval is good for up to 90 days? 📅 This allows you and your realtor time to find the right home for you, and it shows the seller that your financing is in order and you’re serious about purchasing a home.
#NewHomeForTheNewYear #GetPreApproved #NewHome2021 #FirstTimeHomeBuyer #DreamHome #HomeGoals #HomeSweetHome #JBMortgageGroup #JBMG
Is 2021 the year you become the proud owner of your first home? 🏠 If owning your first home is one of your 2021 goals, here are a few ways to reach it.
✔️ SAVE. SAVE. SAVE. Save what you can for a down payment and closing costs.
✔️ Pay down your current debt.
✔️ Hold off on large purchases like cars, boats, furniture, or appliances.
✔️ Try not to change jobs.
✔️ Reach out to one of our loan offers to get pre-approved!
#ProudToOwn #FirstTimeHomeBuyer #Home #NoPlaceLikeHome #YourWhy #WhatIsYourWhy #2021HomeGoals #HomeGoals #JBMortgageGroup
Here’s a toast to the future, a toast to the past, and a toast to our friends, far and near. Happy New Year!
#HappyNewYear #NewYear #NewYearsToast #NewYearsInAustin #2021 #HappyNewYear2021 #JBMortgageGroup
2020 is almost over🙌… let’s end this year on a high note! Here at JBMG, we believe wholeheartedly that the universe gives you exactly what you need, ups and downs, to grow and become the best version of yourself. This concept is called AMOR FATI and we have adopted it from @RyanHoliday ‘s ideas that he writes about and discusses in his podcast 🎙️ (Go check him out!)
Regardless if it’s an up or a down, we choose to go forward no matter what the hurdle may be. In the spirit of AMOR FATI, comment below with one thing that made you happy or one thing you accomplished in 2020! 🥰
#2020inreview #amorfati #RyanHoliday #Goodbye2020 #2020inReview #EndingonaHighnote #PositiveThinking #NewYear #JBMortgageGroup
