Motto Mortgage Triumph

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An appraisal determines the home's true value and helps protect you and the lender. The appraiser is an unbiased, trained and licensed professional who does an in-person review of the home and looks at "comps" of recently sold homes to establish its real worth. 🏡💰

🤯 Purchasing a home is a huge step and an exciting milestone. But sometimes, the unexpected cost of homeownership can be intimidating to buyers, especially first-timers. 😱 From closing costs to insurance to taxes, there is plenty to keep track of – that’s why I’m here to be as you navigate the buying process. Feel free to send a message with any questions.

A pre-qualification letter is useful when determining your budget for how much house you can purchase. Plus, it lets sellers know you're serious. Let's talk options today! 💰

🥚 You search for the best deal on eggs. Let a Motto home loan shopper search and compare mortgage options. 🏡 Send a message to start shopping (without dropping).

🏠 Your house is so considerate. It might have been saving up equity all these years so you can make those home upgrades you’ve been dreaming of... without breaking the budget. 💵 Sound good? Then it could be time for a home equity line of credit (HELOC). A HELOC might be able to help you tap into the value your house may have accrued since you bought it. Here’s what you need to know: ✅ If your home is worth more than you owe on your mortgage loan, you have home equity ✅ A HELOC might allow you to borrow, then use that home equity like cash ✅ Using a HELOC to update your home can potentially improve the value of your home FYI: The HELOC will also be secured by a lien on your home and is an additional debt you will have to pay. ➡️ Ready to see if you qualify for a HELOC? Reach out for a number crunch. ⬅️

Ahh, the dreaded 20% myth. Just like swallowed gum doesn’t stay in your stomach for 7 years, most homebuyers don’t have 20% to put down as a down payment. Thankfully, there are mortgage options that can help put customers into a home for as little as 3% down. 🏠 Want to know more about your down payment options? Let’s talk today.

It might seem like a no-brainer, but lenders must know you can pay back your mortgage loan in order to lend you money. One way to prove this is having a strong employment history whether you’re full-time, contract, self-employed, etc. So, even if you don’t have a traditional job situation, don’t think it is impossible to qualify for a home loan. Let’s talk about your options today.

So, why is buying a home typically a smart move in the long run? Because homes tend to appreciate, buying a home allows you to accumulate equity over time. Homeowners may be able to take advantage of their home’s equity by consolidating high-interest debts, paying tuition bills, or even using the funds for home renovations. 💰 Learn how you can tap into your home’s equity today by reaching out today.

A mortgage term is the number of years you have to repay your home loan. Typically, mortgage terms are 15 or 30 years. If you go with a 30-year term, you’re just under 11,000 sleeps away from owning your home outright. So, start dreaming those sweet dreams of outright homeownership. 😴 Need more help understanding mortgage jargon? Let’s chat today!