Choosing to work with a lender is not solely about the interest rate that you can qualify for, but more so the overall reputation and ability of the lender to provide the perfect loan for your financial goals and situation.
Contact us today if you have any questions about the home buying process
Your living space is doing double duty. Make it work for you by creating the office you need in the home you love. Check out our ideas for projects and how you can finance them. https://bit.ly/33gdMX9
The general goals of a home renovation are to modernize your lifestyle and increase the home’s value. Whether it’s a new kitchen, bathroom or addition, the first step is to budget accordingly. https://bit.ly/3n3lRGI
CROSSCOUNTRYMORTGAGE.COM
Smart Budgeting for Home Renovations | CrossCountry Mortgage
“Mortgage rates are the icing on the cake for households that were thinking about buying...they found an unexpected opportunity during the worst economic downturn America has seen since the Great Depression.” -Ralph McLaughlin, Chief Economist for Haus
Hopeful homebuyers have a great opportunity this year to invest in the housing market with record-low mortgage rates. DM us today to learn how you can use these low rates to your advantage.
A VA loan is a mortgage loan that’s issued by private lenders and backed by the U.S. Department of Veterans Affairs 🇺🇸 It helps U.S. veterans, active duty service members, and widowed military spouses buy a home 🏡
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VA loans were introduced as part of the GI Bill in 1944, but they’ve become increasingly popular in recent years. In the first quarter of last year, 8% of home purchases were made with a VA loan. This type of loan is an attractive option because it is easier to qualify for and doesn’t require a down payment. If you are interested in exploring a VA loan I would be happy to walk you through the process, click the link in my bio for all of my contact info, I look forward to working with you 😁
Like most of us, you are likely spending more time at home and may start to notice areas of your home you would like to refresh, like your bedroom. In addition to a fresh coat of paint and new bedding, end tables can make a dramatic difference in how your room looks and feels.
Adding a trendy table can give you the modern makeover you are after in no time
Closing day is arguably the most exciting step in the mortgage process. This is why it’s important to ensure you’re prepared and know what to expect. https://bit.ly/3nCf7Qo
CROSSCOUNTRYMORTGAGE.COM
crosscountrymortgage.com
I love living life with you 🥰
So you’ve decided to buy a place of your own! There are many motivations for purchasing a home, and we offer a broad portfolio of purchase programs to support those various goals. https://bit.ly/3luY68S
CROSSCOUNTRYMORTGAGE.COM
Buying a Home or Refinancing a Loan | CrossCountry Mortgage
During one of the most important financial decisions of your life, you want to be informed and reassured every step of the way. You will be when you work with us! https://bit.ly/2Fiq4Fq
There are a lot of reasons you might want to refinance your home, some of the most common are:
1️⃣Refinancing can lower your interest rate and payment.
2️⃣You could be able to shorten the term of your loan.
3️⃣There may be enough equity in your home to cash out and invest in something else.
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If you are thinking about refinancing there has never been a time better than NOW with the historically low interest rates we are seeing. Let’s connect and get the process started.
DIY projects and renovations are a great solution when you want to create the home of your dreams. Find out if a fixer-upper is right for you! https://bit.ly/2I04oyE
CROSSCOUNTRYMORTGAGE.COM
crosscountrymortgage.com
Owning a home is exciting and fulfilling, and your home financing experience should be positive and memorable. Check out our overview of the mortgage process so you know how to prepare and what to expect. https://bit.ly/2SUZe9o
CROSSCOUNTRYMORTGAGE.COM
crosscountrymortgage.com
How did I get so lucky to call this cool kid my son? 🥰
Mortgage Rates in the two’s 😱 ✌🏼
That’s right! Interest rates have continued to reach new lows...historically low, and everyone is wondering the same thing: How long will it last?
Millions of buyers have jumped right in, taking advantage of these low rates to save money on their monthly payments. Refinancings are up over 200% compared to 2019, and home sales have jumped 25%.
Whether you are buying or selling, there are many ways to take advantage of the opportunities available in today’s market.
Your Essential Fall Maintenance Checklist: 8 Things You Really Should Do Before the First Frost
https://bit.ly/3d6JqtG
REALTOR.COM
Your Essential Fall Maintenance Checklist: 8 Things You Really Should Do Before the First Frost
A home appraisal is a required independent evaluation of the current market value of a house or property. In general, the purpose of an appraisal is to set the current value of a house so that a lender may determine how much it can loan to the buyer. The appraiser looks at similar properties in the area (Comparables/“comps”) and the prices at which they were sold to set the value of the house 🏡💰
If home is now your office, you need a real office at home! Whether that requires small changes or major renovations, these ideas can help you be your best while you’re on the clock. https://bit.ly/3jpRHKy
This space is perfect 👌🏽
Pool 🏊🏼
Outdoor fire 🔥
tons of seating 🪑
And to top it off a gorgeous glass room❗️ This host had guests in mind when designing this home 😄
When it comes to finding the right contractor for your home renovation, it’s essential to do your research ahead of time. This means asking questions, getting referrals and looking online. https://bit.ly/3kjLX6n
Outdoor spaces are all the rave lately. Many buyers are adding this as a non negotiable as they search for the perfect home 🏡 Here in Southern California we are lucky to have the whole year to enjoy this aspect of our homes ☀️ Do you utilize your outside area?
What are some questions you have about the home buying process?
Let me know below...
Yes, its true. You can buy a home online! 🧑💻 Times have definitely changed and so has the real estate market. Since shelter in place protocol began, these practices have been utilized more than ever before. We are in the age where Technology can substitute for in-person transactions and meetings, from walkthroughs to appraisals, inspections, and notarizations. It’s just never been fully utilized until 2020.
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If you have any questions about this type of purchase shoot me a DM.
I am proud to call these amazing people my team 🌟 Our drive is unmatched, and the service we provide is what we take the most pride in. It is an absolute privilege to work alongside this group.
💡Tuesday Tip: Your credit score is an important factor that determines what loans you qualify for and the interest rate you will pay.
Here are 4 tips to help you increase your credit score.
1) Pay all your bills on time.
2) Avoid maxing out your credit.
3) Have a variety of credit accounts.
4) Use your credit!
CrossCountry Mortgage, LLC
Yesterday at 8:05 AM ·
People need a lender they can depend on when it’s time to buy a home or refinance a loan. We’re privileged to have been that lender for so many individuals and families in 2020.
The year isn’t finished yet, and neither are we. Make CCM your first call for home financing. We’ll be here for you.
This was SUCH a memorable @tonirobbins experience 🤩 I can definitely say that the personal growth I experienced alongside my friend and partner @john_reeves_sd is something that I will never forget. I look forward to the next event and being surrounded by go getters with a mission to be better! The energy in that building is something you can’t explain, take me back!
Many people delay or avoid applying for a #mortgage because they don’t have enough money to cover the up-front costs. Don’t disqualify yourself without first exploring these options. https://bit.ly/37zUvTd
All I can say is WOW 🤩 I wanted to update you all on our #OperationUndergroundRailroad fundraiser....currently we have raised $52,459 from only 10 mortgage professionals! This is truly amazing, I am confident that we can make or exceed our goal soon! If you have any questions about how you can help #SaveOurChildren please contact me and let's make a difference!
This view.
Sleep in, get a head start on errands, or catch up on your most binge-worthy show. Whichever way you spend the extra hour, we hope you’re able to maximize the time doing something you love!
How about those Padres! Show some love to the team from #AmericasFinestCity with your favorite emojis in the comments ⚾️💛🤎
There’s no better way to spend a fall weekend than indulging in the annual celebration of ghouls, goblins, costumes, and candy! We hope your Halloween is safe, fun, and full of treats!
📣 We are so excited to announce that we are finally back in Phoenix, AZ for our first 🎖Live Military and Veteran Homebuyer Seminar🎖 in over 8 months.
As you already know, free food and drinks on us and of course Free VA Home Loan Education 🏠📓
We partnered with Phoenix Elk's Lodge and US Veteran Advocates to host this event. It took a lot of consideration and planning by everyone involved to create a safe and enjoyable space for our guests. Practical social distancing measures will be in place.
We are thrilled to meet each and everyone of you and finally see some smiling faces.... face to face!! 😁
#VABenefits #HomebuyerEducation #VaHomeLoan #ActiveMilitary #Lender4Life #HomebuyerSeminar #CrossCountryMortgage
WED, NOV 11 AT 6:00 PM MST
Elk's Lodge - Military & Veteran Homebuyer Seminar
WED, NOV 11 AT 6:00 PM MST
Elk's Lodge - Military & Veteran Homebuyer Seminar
You’ve applied for a new home loan or have decided to refinance your existing mortgage. Congratulations! Now all you have to do is wait, right? Not quite. Find out how you can keep the process moving along smoothly. https://bit.ly/3lsvZHN
CROSSCOUNTRYMORTGAGE.COM
What To Do When Applying for a Mortgage I CrossCountry Mortgage
!WOW! #PoolGoals 😎
We are taking the time today to honor those who have selflessly served our country in the Military. Our heartfelt gratitude goes out to all Veterans and Active-Duty Members of our Armed Forces and Reserves.
If you have questions about your loan during the process do not hesitate to contact your lender (loan service provider) 📲 Your real estate agent can also help you navigate the process. Ask questions along the way, trust me there is nothing we haven’t heard before. We pride ourselves in customer service and educating our clients along the way ☺️
A meaningful life is not being rich, being popular, or being perfect. It’s about being real, being humble, being able to share ourselves and touch the lives of others.
Do you think you’re restricted on how to use the loan proceeds from a Home Equity Conversion Mortgage, or that only low-income borrowers need HECMs? Here is the reality. https://bit.ly/32r2L4x
Work hard, be kind, stay humble
Many of my clients ask me this question❔ Everyone’s circumstances are different, but here are a couple of things to know 💡
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If you do deposit a large amount of cash before buying a home you must be prepared to..PROVE IT‼️
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Whenever you deposit a large amount of cash into your bank account, your mortgage underwriter is gonna want to know about it.
❓Who gave it to you?
❓Do you have to pay it back?
If you happen to drop a couple thousand into your account from a friend who owed you, that is a potential red flag that could compromise your home loan. Any other questions regarding this, click the link in my bio so we can get in contact 📲
The more knowledgeable you are about everything that’s involved with purchasing a home, the more confident you’ll feel as you move through the steps of securing a home loan. Prepare to be empowered! https://bit.ly/32ZNUOW
One of the best things about my job is the amazing people I get to work with 👥
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Shoutout a colleague or coworker who makes your job a better place 🗣
As the current forbearance mortgage relief options come to an end, many are wondering if we’ll face a foreclosure crisis next year.
This is understandable, especially for those who remember the housing crisis that began in 2008.
The reality is, plans have been put in place through forbearance to ensure history doesn’t repeat itself.
If you have any questions about the current market, send us a private message.
Serving your country in the Military gives you advantages when it’s time to buy a home. Unlike conventional loans, VA loans offer up to 100% financing with no mortgage insurance, no loan limits, and limited closing costs. Contact us today to get the mortgage benefits you deserve for your Military Service. https://bit.ly/2H9pcnk
When you’re considering a #mortgage, you can’t put a price on trust and feeling comfortable with the process. Finding someone who can provide the best financing for your situation is key. https://bit.ly/3m8io8G
CROSSCOUNTRYMORTGAGE.COM
Shopping Around For A Home Loan | CrossCountry Mortgage
FHA loans are a great option for many potential buyers, especially those that are purchasing for the first time due to the many benefits 🏡
Federal Housing Administration (FHA) loans are federally-backed mortgages designed for low-to-moderate-income borrowers who may have lower than average credit scores.
Federal Housing Administration (FHA) loans require a lower minimum down payment and a lower credit score than many conventional loans.
Federal Housing Administration (FHA) loans are issued by FHA-approved banks and lending institutions; these institutions will evaluate your qualifications for the loan.
In order to secure the guarantee of the FHA, borrowers that qualify for an FHA loan are also required to purchase mortgage insurance, and premium payments are made to FHA.
Do you think that an FHA loan would fit your needs?
Money isn’t everything, but everything needs money! Have you thought about your down payment?
An ideal down payment in the eyes of a lender is 20% of the home’s purchase price. By putting down 20%, you don’t have to pay private mortgage insurance (PMI). Putting 20% down can also make you a more attractive borrower. But depending on the price of the home, 20% could be out of reach. In fact, most first-time homebuyers put down less than 10%. FHA loans allow down payments as low as 3.5%. And some Veterans Affairs (VA) mortgages allow for no down payment.
WED, DEC 9 AT 7:00 PM MST
Phoenix Elk's Lodge - Military & Veteran Homebuyer Seminar
PSA!!!
When going through the home buying process, don’t open any new credit cards, auto loans, student loans, etc.. without consulting your mortgage lender.
There will be a soft credit check before closing to make sure there are no new debts and if there are... that could effect you qualifying for the home!! Just wait till after!! 🏡 🥺
Have you perfected your #HomeOffice vibes yet? 👨💻 What are the most important items for your space to feel complete?
✨Comfy chair?
✨Good lighting?
✨Shelves to create more space?
✨Essential oil diffuser to keep you focused yet relaxed?
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Whatever it is, my only advice is to make your work area somewhere that you enjoy being. Drop your home office must haves in the comments 👇🏼
💫 CLEVER HOME HACKS💫
Olive oil has many nutritional benefits and can possibly increase longevity. Turns out it can also help you clean the house. It is a great option for cleaning stainless steel, such as pots, pans, and appliances. Put olive oil on a soft cloth and rub in a circular motion to buff out any dirty spots
This is definitely a throwback! This was such a great work trip, a huge group of hardworking individuals celebrating at #TheHappiestPlaceOnEarth 🤩
We are so lucky to call San Diego home. Everyday is a new adventure, now that temperature has cooled hiking has been our go-to outing. Where is your favorite hiking trail? 🥾
Buying a home is generally considered to be one of the best investments you can make. That’s why it’s important to have options so you can get a mortgage that’s best for you. https://bit.ly/3leD6mg
CROSSCOUNTRYMORTGAGE.COM
Buying a Home or Refinancing a Loan | CrossCountry Mortgage
Your credit score is a very important factor in getting approved for your first mortgage. Cleaning up your credit is the first of several helpful tips you’ll find in this informative article. https://bit.ly/36dXdNa
As 2020 winds down and the holiday season begins, let’s all remember to be grateful for the good things in our lives. Happiest Thanksgiving from the CrossCountry Mortgage family to yours!
The change in season just means more memories with my love ❄️ ❤️
Found a fixer-upper? An FHA 203(k) Standard Loan could be a more affordable solution to finance repairs than home equity lines of credit, credit cards or personal loans. https://bit.ly/2VEysDt
CROSSCOUNTRYMORTGAGE.COM
Home Purchase & Repair Financing | Loan Program
“If you are working on something exciting that you really care about, you don’t have to be pushed. The vision pulls you” -The late and great Steve Jobs 👏🏼
💫 CLEVER HOME HACKS💫
Olive oil has many nutritional benefits and can possibly increase longevity. Turns out it can also help you clean the house. It is a great option for cleaning stainless steel, such as pots, pans, and appliances. Put olive oil on a soft cloth and rub in a circular motion to buff out any dirty spots
This is definitely a throwback! This was such a great work trip, a huge group of hardworking individuals celebrating at #TheHappiestPlaceOnEarth 🤩
Home is where the wine is 🍷 Who else is relaxing this beautiful Sunday and having a glass of wine?
So you’re feeling pretty confident that your mortgage will be approved. Now is NOT the time to finance a new set of living room furniture or buy a car to put in your new garage. Find out why so you don’t put your loan at risk. https://bit.ly/3qYhz5t
CROSSCOUNTRYMORTGAGE.COM
What To Do When Applying for a Mortgage I CrossCountry Mortgage
So you’re feeling pretty confident that your mortgage will be approved. Now is NOT the time to finance a new set of living room furniture or buy a car to put in your new garage. Find out why so you don’t put your loan at risk. https://bit.ly/3m7tdHm
CROSSCOUNTRYMORTGAGE.COM
What To Do When Applying for a Mortgage I CrossCountry Mortgage
Knowledge is power, especially when it comes to your mortgage. Familiarize yourself with the loan process so you know what’s required and what you need to do to get from application to closing. https://bit.ly/37UOejw
How many of you drive through your favorite neighborhood and window shop for a new home? Did you know that there may be properties for sale without a sign in front❓❓
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Make sure you are working with a team of professionals that can get you into your dream home before it even hits the market‼️
I love the change in seasons, and it has been so nice enjoying the colder weather on these little getaways ❄️
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Where is your go-to place to spend time in the snow???
There’s nothing cozier than curling up with a blanket next to a toasty fire on a crisp evening while enjoying a nice cup of tea. A fireplace will bring you all the warmth and comfort you’re looking for.
What is your purpose?
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It is unbelievable how much personal growth and transformation can occur at a @tonyrobbins event 🌱 How many of you have experienced this?
Living in the suburbs can provide more real-estate space and, perhaps, a safer environment while saving you money. However, living in a city exposes you to new cultures and entertainment that are more easily accessible with public transportation.
With that said….. Would you rather live in the city or live in the suburbs?
If you are looking to buy a foreclosure/HUD home you want to be sure that you are working with an agent and team that you trust 🤝 While you can likely get a great deal there are a couple of key differences in this type of purchase vs. a typical home:
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1️⃣Foreclosure/HUD homes are sold AS IS!! This means that ALL repairs are the buyers responsibility. Be sure to hire a contractor that you trust to complete inspection so you the buyer know exactly what you are purchasing.
2️⃣Prices are almost always FIRM, there is typically little or no room for negotiation
Home is where the wine is 🍷 Who else is relaxing this beautiful Sunday and having a glass of wine?
Sending you all warm holiday wishes from my family to yours ❤️
It’s always exciting to unwrap presents, but nothing makes us smile more than the joy our loved ones bring to our hearts. Happy Holidays from the CCM family to yours!
Owning and caring for a home is a big responsibility, but the right repair tools and maintenance tips allow for easy living.
Here are few recommendations this month from our team:
✔️Maintain Yard Growth
✔️Power Wash Windows & Siding
✔️Change Furnace Filters
✔️Clean Garbage Disposal
Tuesday’s tip 💥 Believe in yourself or nobody else will.
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This man is one of my biggest inspirations, his mindset and willingness to succeed is unmatched. In the words of the great @tonyrobbins 🗣 “What we can or cannot do, what we consider possible or impossible, is rarely a function of our true capability. It is more likely a function of our beliefs about who we are.”
Has open shelving caught your eye? Fewer materials and easier installation make open shelving (or floating shelves) an affordable storage option if you want to remodel your kitchen space.
With that said, would you consider open shelving kitchen…Yea or Nay? Comment below!
We are doing it!! We’ve surpassed $60,000
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I am so grateful for all of you who have committed not only your money but your energy into standing up for what is right and fighting for the children
Thank you!
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Let’s keep it going, tag someone who you know would support this cause.
This room is the perfect place to sit down and start planning for the new year ✍️ Have you set your goals and intentions for 2021?? I am constantly working on improving and leveling up, and I love starting the year with a clear vision.
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What are you looking forward to most next year?
WED, JAN 13 AT 7:00 PM MST
Phoenix Elk's Lodge - Military & Veteran Homebuyer Seminar
Home Buyer Vocabulary you should know....
An APR is a standardized method of showing you the total cost of borrowing money. An APR is the combination of the interest rate charged by your creditor, in addition to any fees you may be charged for. These fees are usually presented in percentages and will be added to the interest rate to give you the total of your APR.
If you have any questions about the home buying process or any terms you hear along the way. Our team is here to help you.
Sunday is the day when I prepare for the week ahead by making improbable To-Do lists. How does your ideal Sunday look like?
Sending you all warm holiday wishes from my family to yours ❤️
The ability to refinance the loan on a home that has accumulated equity is a financial advantage that means different things to different people. Here’s how to weigh your options. https://bit.ly/3hRqnG6
CROSSCOUNTRYMORTGAGE.COM
Questions About Mortgage Refinancing | CrossCountry Mortgage
Throwback
Throwback with my big guy, I can’t believe how fast you are growing 😫 How many parents agree that time flies when you have kids!
If you can show a healthy cash flow from your rental properties, you should be able to use that income to qualify for a mortgage. Makes sense, doesn’t it? So does our Signature Investor Cash Flow Loan. Read more about it and our other exclusive Signature Series Loans. https://bit.ly/2KQYLVx
This statement is very….TRUE‼️‼️
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Believe it or not, grants to help you buy a house really exist.
❗️Down payment assistance (DPA) helps homebuyers with grants or low-interest loans that reduce the amount they need to save for a down payment.
❗️There are more than 2,000 of these programs nationwide. State, county or city governments run many of them.
❗️DPA programs vary by location, but many home buyers could be in line for thousands of dollars in down payment assistance if they qualify.
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If you are wondering what assistance you qualify for, shoot me a DM or click the link in bio to schedule a call with one of our team members, let's get you into a new home for the New Year 🎉 🏡
This one is for all of my golf lovers out there ⛳️
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Here we have hole 18, par 5 at the Great Northern Course...the first course in Denmark built by the acclaimed Jack Nicklaus!
Last year, we all found incredible strength, adaptability, and resilience within ourselves. Now let’s look forward to a brighter future than we could have ever hoped for! Happy New Year from CCM!
#MondayMotivation
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Many of us have been working from home for nearly a year, and we were not prepared for the transition. I have some tips to keep you motivated and balanced at home 🏠 🧑💻
1. Create healthy boundaries for yourself while working at home: there are times that you will need privacy and the other people in your home need to respect that. Create a space where you can work uninterrupted, even if you don’t have a formal home office. Something as simple as a partitioned space around a small table or desk can provide the barrier needed.
2. Invest in your space: This can be a number of things, but something small like a plant, new desk light, or essential oil diffuser can enhance the vibe of your office nicely. Or a new desk or chair could be a bigger ticketed item to purchase so you feel more comfortable and ready to work.
3. Don’t forget to have fun!: When your work is at home it becomes easy to stay in “work mode” all the time. Be sure to take time to “clock out” and have some fun with your family or dedicate your free time for self care and relaxation.
So, you feel like you’re ready to purchase a home! Congrats!! Take a look at this quick checklist to make sure you are prepared:
☑️Clean up your credit score
☑️Gather your documents
☑️Pre-approval>Pre-Qualification
☑️Count your cash
☑️Know your DTI (debt to income)
☑️Find the best real estate agent for you
☑️Hunt for houses
☑️Make an offer
If you need assistance or clarity on any of these items, feel free to reach out to our team, we are happy to help!
Before you envision your new home with updated appliances and fresh paint colors, the appraiser that evaluates the property will be making sure everything is compliant with HUD’s minimum property standards. Follow this checklist ahead of time to determine if these items need to be included in your repair list. https://bit.ly/3hYZVdA
First-time homebuyers should know their budget, their debt-to-income ratio, and the difference between a pre-qualification and a pre-approval. If you don’t, this article is for you. https://bit.ly/2XjL5oy
As I reflect back on last year I find myself more grateful than ever for our love. Thank you for supporting me and loving me like you do, I am one lucky man 🥰
The ability to refinance the loan on a home that has accumulated equity is a financial advantage that means different things to different people. Here’s how to weigh your options. https://bit.ly/3hRqnG6
CROSSCOUNTRYMORTGAGE.COM
Questions About Mortgage Refinancing | CrossCountry Mortgage
On January 18, we celebrate the life and legacy of Dr. Martin Luther King, Jr.: pastor, civil rights leader, advocate of nonviolence. His words are as meaningful today as they were more than 50 years ago. Let’s take a moment today to remember, “The time is always right to do what is right.”
Do you work on the weekends❓ I don’t always but there are times when it is necessary. Now is one of those times❗️ The real estate market is HOT which means my team is crazy busy. While this does mean long days and some work on weekends, it is all worth it. Helping people become homeowners is incredibly fulfilling and I’m so grateful that I am able to serve.
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Happy Sunday folks!
Becoming a first-time homebuyer is one of life’s most exciting and rewarding moments. Before closing day arrives, create a sound budget and financial plan to navigate the new responsibilities of homeownership. https://bit.ly/3nRiUrV
#FinanceFridays! 💰 Many first time homebuyers are concerned about the financial obligations that come with owning a home and what exactly their monthly expenses will be. Simply put, your overall monthly expenses are usually combined into a single monthly payment known as P.I.T.I. Let's break this down:
P: Principal, or the total amount of money you borrowed from your lender.
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I: Interest, this is the amount that your lender charges you for loaning you the funds to purchase your home.
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T: Taxes, set by your local government your annual taxes are based on the current value of your home, higher value means higher taxes. You can opt to include these taxes in your mortgage where the yearly bill is split into 12 monthly payments, or you can pay these taxes on their own annually.
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I: Insurance, This part of the monthly mortgage goes to protecting your property in event of a disaster or accident.
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Our team is here and ready to walk you through this entire process, click the link in our bio so we can connect! 📲
Don’t forget to drink plenty of water and get lots of sunshine, you’re basically a houseplant with more complicated emotions 🪴
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Double tap if you agree
#MondayMotivation
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Many of us have been working from home for nearly a year, and we were not prepared for the transition. I have some tips to keep you motivated and balanced at home 🏠 🧑💻
1. Create healthy boundaries for yourself while working at home: there are times that you will need privacy and the other people in your home need to respect that. Create a space where you can work uninterrupted, even if you don’t have a formal home office. Something as simple as a partitioned space around a small table or desk can provide the barrier needed.
2. Invest in your space: This can be a number of things, but something small like a plant, new desk light, or essential oil diffuser can enhance the vibe of your office nicely. Or a new desk or chair could be a bigger ticketed item to purchase so you feel more comfortable and ready to work.
3. Don’t forget to have fun!: When your work is at home it becomes easy to stay in “work mode” all the time. Be sure to take time to “clock out” and have some fun with your family or dedicate your free time for self care and relaxation.
Renovation loans aren't just for homes in disrepair. Whether you're buying or refinancing, we'll match you up with the perfect loan so you can make a huge variety of improvements and additions. https://bit.ly/39SKQXm
Not all mortgages are ideal for every borrower, but a product that is well-suited for your situation could help you achieve your financial goals better than others. One of them is a HECM. https://bit.ly/3iCTpcM
How many of you consider this success? Are you there yet?? If not, what’s holding you back? Let me know your thoughts in the comments 👇🏼
I guess our cat doubles as a hair stylist now, with all the shutdowns we decided to try something new 🤣💁♀️
On January 18, we celebrate the life and legacy of Dr. Martin Luther King, Jr.: pastor, civil rights leader, advocate of nonviolence. His words are as meaningful today as they were more than 50 years ago. Let’s take a moment today to remember, “The time is always right to do what is right.”
Do you work on the weekends❓ I don’t always but there are times when it is necessary. Now is one of those times❗️ The real estate market is HOT which means my team is crazy busy. While this does mean long days and some work on weekends, it is all worth it. Helping people become homeowners is incredibly fulfilling and I’m so grateful that I am able to serve.
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Happy Sunday folks!
Whats the difference between a short sale and foreclosure?
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A short sale is when the lender allows the borrower to sell their house for less then however much is owed on the mortgage.
A foreclosure on the other hand occurs when the house is repossessed, which is usually against the owners will. This unfortunately will affect the owners credit report for 7 years.
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Message me for any questions regarding short sales or more information.
Your home office should be as convenient as your commute - going from one room to another. We have ideas for creating an ideal workspace and the financing options to make them happen. https://bit.ly/3oyUELo
Should you get a bridge loan?
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A bridge loan is a good option for someone who wants to purchase a new home prior to selling their home
They require the borrower to pledge their current home or assets as collateral to secure debt as long as their as ayleast 20% equity in the home. Although they tend to have high-interest rates, they only last six months to a year. They are the perfect loan for someone who knows they'll quickly sell their house.
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Message me for any other questions or more information regarding bridge loans.
Whether you’re shopping on Amazon or deciding what to have delivered for dinner from DoorDash, it’s good to have choices. It’s even better when you’re considering a mortgage. https://bit.ly/36hhh0q
WED, FEB 10 AT 7:00 PM MST
Phoenix Elk's Lodge - Military & Veteran Homebuyer Seminar
This calculator will help you weed through the fees, taxes and monthly payment comparison to help you make the best mortgage decision. https://bit.ly/3iN0GXq
Debt?
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The standard debt to income ratio is typically up to 43% to qualify. How do you know if you fall under that category?
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Take your monthly bills such as credit cards, student loans, and car payments(not including bills rent or utilities) and divide them by gross monthly income(before taxes). If your percentage is lower than 43%, your debt shouldn't stop you qualifying.
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Message me if you have any questions and would want to calculate your income to debt ratio.
The point of any refinancing strategy is to successfully identify and meet specific financial goals, which owning a home helps you do. Answering these questions is a great way to start. https://bit.ly/3aC8vvB
One of the biggest misconceptions about a Home Equity Conversion Mortgage is that the lender owns your home. It’s one of 5 HECM myths that get a dose of reality in this article. https://bit.ly/2MwvcJo
What to know about short sales
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-Sometimes, the price makes it worth the hassle of waiting. These type of buyers are usually looking for some type of discount and there are plenty of bargains to be found in the short sale market.
-The short sale itself is based upon bank approval. The bank usually pays an agent in exchange for a broker price opinion.
-The price is usually not market value. It tends to fall either under or over market value.
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Message me if you have any other questions regarding short sales.
From all of us at Team Evans we want to say THANK YOU ❤️Not only for including us in your home buying process, but for trusting our expertise throughout one of the most important decisions in your life. We are humbled and grateful for all of our clients, referrals, and each member of our team.
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Here’s to filling 2️⃣0️⃣2️⃣1️⃣ with peace, love, happiness, and lots of success 🥂
Pros and cons of foreclosures
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Pros:
The bank is motivated to sell the property which means that you might be able to negotiate a better price, closing costs, the down payment, and the length of escrow.
The properties title will be clear of any liens, back taxes, or mortgages of the previous owner.
Cons:
When you buy at an auction, you have to pay for it in full.
You buy it as is. This could be a benefit for an investment property.
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Message me for any information regarding foreclosures or any questions you may have.
Buying your first home is a huge life decision, and understanding your complete financial picture lets you proceed with confidence. Homebuyer programs and sound practices help you budget effectively for the big buy. Read more here: https://bit.ly/3ddDsJB
How to plan out buying and selling a home at the same time
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First off, make sure your credit score is in the right range to get approved for a second mortgage. You'll most likely buy another home before you sell, so be prepared to make that double payment for a little while. Make sure you are in good financial standing for this.
Second, be sure to have an emerging fund. You never know what repair needs arise from inspections.
Third, make sure to have a contingency plan. This is just in case your original plan falls through and you need a place to stay in the meantime.
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If you have any other questions or concerns regarding this process, please feel free to send me a message for more information.
USDA homeownership
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Did you know USDA has their own homeownership programs dedicated to those who want to purchase property in rural areas but have concerns regarding their credit scores and income? These also include no down-payment options.
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Send me a message if you are interested in obtaining a USDA loan or have any other questions.
Less than 20% down?
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Believe it or not, it is possible to get a loan with a less than 20% down payment.
A conventional loan is perfect for both first-time and experienced homebuyers with a good credit score which in return also provides a low interest. The minimum depends based on the lender and borrower's credit history.
FHA loans are great for first time buyers and have the benefit of a low payment as well.
VA loans require no money down and are a way of rewarding those who have served our country with an easier approach to homeownership.
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Send me a message if you have any questions regarding loans and are interested in that lower down-payment price.
Debt?
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The standard debt to income ratio is typically up to 43% to qualify. How do you know if you fall under that category?
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Take your monthly bills such as credit cards, student loans, and car payments(not including bills rent or utilities) and divide them by gross monthly income(before taxes). If your percentage is lower than 43%, your debt shouldn't stop you qualifying.
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Message me if you have any questions and would want to calculate your income to debt ratio.
Did you know winter is a great time to buy?
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Winter time tends to be slower for the real estate market. A majority of homeowners take their house off the market due to busy schedules and holidays. Those sellers who are most motivated, however, will keep their home on the market. On top of that, realtors and lenders are less busy which means they can help you find the lowest interest rates and best possible prices.
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Message me if you have any questions regarding loans during this time.
Get set up for success before you delve into the world of renovations! Find out how you can get ready to buy a fixer-upper with the steps in this article. https://bit.ly/3qs15lk
Buying a home during a pandemic
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First off, make sure to know your limits, because it isn't the best time to spend beyond them. Budget responsibly and make sure the purchase of the property doesn't force you to barely make ends meet.
Contact and experienced realtor. Although we are in a time of social distancing which makes it seem that you have to search for your own information, realtors are still here to help find homes in your desired neighborhood and provide you with the best information in regard to your future purchase.
Lastly, determine how long you are decide to stay in that house. The pandemic is not forever, so definitely consider buying in a neighborhood where the value will likely go up in the future so you can benefit throguh a sale.
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Message me if you have any questions in regards to purchasing a property during this time.
Happy Valentine’s Day to our families, friends, co-workers, business partners, pets - and yes, our love interests! You make us feel like home.
Does that tiny bathroom, musty basement, or outdated kitchen need an upgrade? When it’s time to remodel, start with this checklist of contractors and consultants. https://bit.ly/2N5RBh9
At CrossCountry Mortgage, we go beyond the ordinary with loans that recognize different ways to measure your ability to pay. We have options for self-employed borrowers, real-estate investors, and high-net-worth individuals. Read more about our exclusive Signature Series loans. https://bit.ly/3dbNaMj
What is equity?
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Equity is the difference between what your home is worth and the amount of mortgage and other loans your house has secured.
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Message me if you have any questions on calculating your home's equity or how to raise it.
15 year fixed loan versus 30 year fixed loan
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A 15 year loan will have 180 total payments while a 30 year loan will have 360 payments. This means that the 30 year loan will have lower mo they payments.
A 15 year loan will have a lower interest rate then the 30 year loan. This means that for a 15 year loan, the borrower will end up spending less money in the long run.
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Message me so we can figure out which loan type is better suited for you.
Why put off until tomorrow what you can do today? Refinance your mortgage and possibly save on your monthly payments! Contact us today to see if a refi is right for you.
Is now a good time to refinance?
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Interest rates are at an all time low, however there are other factors you should consider.
-Are they atleast a percentage less?
- Is there enough equity that you won't need to pay private mortgage insurance?
-Is your goal to lower your monthly payments?
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Message me if you are interested and want to see how we can help you get your refinance done.
Depending on the scope, timing and quality of work, renovating your home can be an exciting or exhausting process. Make it easier on yourself by establishing a realistic budget from the beginning. Read more here: https://bit.ly/3bb7vPq
Did you know winter is a great time to buy?
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Winter time tends to be slower for the real estate market. A majority of homeowners take their house off the market due to busy schedules and holidays. Those sellers who are most motivated, however, will keep their home on the market. On top of that, realtors and lenders are less busy which means they can help you find the lowest interest rates and best possible prices.
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Message me if you have any questions regarding loans during this time.
Did you know?
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The standard time to close a mortgage is 30 to 45 days from the initial mortgage application.
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Message me to get your loan started so in about a month from now we can celebrate your closing day.
Home equity 🏦 The value of the financial stake YOU have in owning your home. It’s calculated by subtracting the outstanding amount owed on the mortgage from the property’s current market value. In short, the equity in your home is the amount of money that is YOURS‼️
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This is important because for many people the equity in their home becomes their greatest form of personal or generational wealth 💰 The amount of money that you put down on your home is where your equity begins, and then each month a portion of your mortgage will also go toward building your equity in your home.
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Do you have additional questions about home equity and how it will look in your specific situation? Feel free to reach out to our team and we would be happy to talk you through it. Shoot me a DM or click the link in my bio so we can connect 🤝
We can show you what your home is worth in today's market and go over your options for purchasing a new home. Contact us today to get started!
WED, MAR 10 AT 7:00 PM MST
Phoenix Elk's Lodge - Military & Veteran Homebuyer Seminar
Tips on raising your homes equity
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Keeping your house is the easiest way, because the market is ever changing and house values tend to spiral up over time.
You can also add value though renovations and upgrades such as appliances, windows and flooring.
Paying off as much as possible helps raise your homes equity.
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Message me if you have any other questions or want more tips regarding raising your equity.
What is equity?
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Equity is the difference between what your home is worth and the amount of mortgage and other loans your house has secured.
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Message me if you have any questions on calculating your home's equity or how to raise it.
What is a"10/31 exchange?"
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This allows an investor to defer capital gain taxes when selling an investment property by immediately purchasing another investment property. You must keep in mind that you have 45 days to report the property that is to be purchased and 180 days to finalize that purchase. Luckily, there is no set limit on the amount of times you can exchange properties.
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Send me an email or phone call to learn more about this exchange.
Best time to save
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Now is the best time to save for the home you've always wanted. With the stay at home orders, you're spending less time out at restaurants and bars, and more time at home which allows you to save some of that extra spending money.
Think about all of the money on gas that you've been saving due to the lower prices at gas stations. Many workplaces have been remote as well, which helps save more by not having to drive to work every day.
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Message me for any questions regarding a mortgage loan and how much you need to save up for a down payment.
🛑 Yes 🛑
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You CAN use a VA loan more than once in a lifetime. However there are specific qualifications that you must meet in order to qualify for reuse.
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One of the most common ways that reuse is possible, is if you sell your home and pay your loan back in full. There are additional ways in which you can reuse your loan as well. One of our team members is happy to chat with you to see if your situation qualifies for reuse, click the link in my bio to contact us 📱
What is a jumbo loan?
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A jumbo loan is a term for a loan on a house that is worth more than what can be typically borrowed. These are however harder to qualify for considering that it gives the lender a lot less protection if the borrower defaults.
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Message me regarding any questions on jumbo loans or loans in general.
What is a mortgage forbearance?
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It is a plan for homeowners who are suffering through temporary economic hardship. It helps defer penalties while the homeowner recovers though their financial setback.
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Message me if you have any questions regarding mortgage so we can get started working on your loan.
Did you know?
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The standard time to close a mortgage is 30 to 45 days from the initial mortgage application.
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Message me to get your loan started so in about a month from now we can celebrate your closing day.
Our team>
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Are you ready to work with the best in the industry 🤩 We are proud to say that we are a top performing team and we are ready to help you reach your goal of homeownership! Contact us so we can get to work on your behalf! 📲
Deciding to renovate your home is a big deal. It’s important to find the right person to pull it off. When researching professional contractors and vendors, quality comes first and cost comes last. Read more here: https://bit.ly/3cnwIq9
Owning a home should be easy for those who have served our country in the Military. VA loans do not require a down payment, and at CrossCountry Mortgage, the advantages don’t end there. We don’t put additional restrictions on our VA loans, and we work with borrowers who have lower credit scores and complex credit histories. Contact us today to get the mortgage benefits you deserve for your Military Service.
We all know there are many things you have to do when applying for a mortgage, HOWEVER the list of actions NOT to do is just as important. If you plan to apply for a mortgage stay away from these things:
🚫 Don’t make large cash deposits or withdrawals.
🚫Don’t quit your job
🚫Don’t make large purchases on credit
🚫Don’t run up a home equity line of credit
🚫Don’t close credit accounts
If you think any of these apply to your situation specifically feel free to contact our team so we can assist you!
Always remember! There is no such thing as a perfect time to buy. If you find your dream house tomorrow, there is no promises that it's going to stay on the market for you to wait until the market goes down. If you have your heart set on your future home, don't let other things stop you.
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Send me an email or phone call to help you get your dream home.
No matter how much you get back, more money for a down payment means you can:
✅Borrow less on your mortgage.
✅Improve your negotiating power.
✅Get a better interest rate with a lower down payment
Call or e-mail today so you're ready when your refund arrives!
You probably know March 17 by its more common name, St. Patrick’s Day. Either way, it’s that time of year when we set traps in hopes of catching a little green man who will grant our wishes and share his pot of gold. Here’s to good cheer and good fortune on the greenest of holidays. Sláinte!
There’s no reason to stress the big homebuying test - even if you have student loan debt! With these helpful strategies and insights, you’ll have all the knowledge you need to ace your home purchase. https://bit.ly/3lmWdfn
Do you love the freedom that you have working for yourself? There are over 10 million people in the U.S. who are in this position and that number is rapidly growing ⬆️
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While there are some specific nuances for your mortgage process, you still have options! Be prepared to provide the following documents to your lender 📄 Tax returns | List of current debts and monthly payments | Bank statements | Declaration of assets | Additional sources of income | Proof of current housing payments | Verification of your business or employment
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Questions about any of these?? Click the link in bio to our website and ask away!
Will you gladly go out of your way to get the best deal on a gallon of gas, but also accept the first offer you get from a mortgage lender? Maybe you should reconsider your approach. Read more here: https://bit.ly/3qLzhro
Here’s your annual reminder that daylight saving time begins Sunday, March 14. Don’t forget to set your clocks ahead one hour. Remember, it’s almost spring. Go forward, not backward!
What is an appraisal?
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When it comes time to finally purchase the house you've been eyeing, an unbiased appraisal is the best way to confirm the value. Despite how much you are willing to pay for a house, the appraisal will ensure that you don't borrow more from the bank than is necessary for the worth of the house.
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This is especially important with the current "seller's" market with its low inventory and increasing prices due to bidding wars. With this power, seller's feel as though they can set whatever price they want for their houses knowing that people will simply pay more.
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Send me an email or phone call to learn more about the appraisal process.
You’ve decided to renovate, but where to begin? Start with a checklist of all the people you’ll need to contact, consult, and compensate for a successful project.
CROSSCOUNTRYMORTGAGE.COM
Your Checklist of Renovation Pros | CrossCountry Mortgage
How many of you schedule everything? 📆 I absolutely do, if it’s not in my calendar, it’s not happening.
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It is imperative that you have a system to schedule your short term and long term goals and commitments. I use my phone since it is ALWAYS with me, and reminders are my best friend so I never miss a meeting. What’s your system to stay organized and on top of your schedule❓
Did you know its the best time to sell?
- For starters, house are selling at their highest prices. Not to mention that each property is receiving an average of 3 or more offers. Although the house inventory is down compared to recent years, showing numbers are up with plenty of interested buyers. With this high demand and low inventory, there truley isn't a better time to sell the now.
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Send me an email or phone call to learn more about the steps to take to sell your home.
We can help you win in a seller's market. Contact us for a free value analysis and find out what your home is worth!
For many people, they think the first step in buying a home is finding a real estate agent. While this is an important step, it’s actually just as important to initially meet with a lender to see if you can get pre-approved for a mortgage. Pre-approval can save you a lot of time and headaches by eliminating houses outside of your price range, and the disappointment of falling in love with a house only to discover that you don’t qualify for the necessary loan amount.
Here are few helpful tips:
🗝 Contact mortgage specialist
🗝 Find out how much home you can afford
🗝 Get pre-approved for a mortgage and receive your approval letter
🗝 NOW its time to go house hunting 😉
Click the link in my bio to take your first step to buying a home!
A VA IRRRL, also known as a VA Streamline Refinance, can help you lower your interest rate and monthly payments. Already have a VA home loan? Contact us today to get started! https://bit.ly/3eQJrES
Are you one of the many Americans who is sitting on a ton of equity in your current home? 💰 Have you considered selling, and cashing in for a bigger and better place to call yours?
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Now is a great opportunity as rates are still very low which opens up your options and saves you big on the life of your loan. If you are ready to upgrade, contact us and let’s get you into your dream home
As a first-time homebuyer, your financial planning gets more complex. The key to becoming a happy homeowner? A sound budget with a realistic look ahead, made with help from dependable people who know the industry. Read more here: https://bit.ly/2Pu0hPb
THU, APR 15 AT 6:00 PM CDT
FREE Homebuyer Education Workshop - Ranger Creek Brewing
WED, APR 14 AT 6:00 PM CDT
Chicken N Pickle - Military & Veteran Homebuyer Seminar
In a seller’s market, home bidding wars are inevitable. Don’t go in unprepared: With this guide, first-time homebuyers can learn about the team, techniques, and attitude required to come out on top.
CROSSCOUNTRYMORTGAGE.COM
crosscountrymortgage.com
What 4 parts does a mortgage payment consist of?
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1. Principal which is the actual amount of the loan itself
2. Interest which depends on the terms of the loan
3. Taxes which tend to be levied but local jurisdiction
4. Insurance to make sure the home is properly insured.
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Send me an email or phone call to learn more information about payments.
