Troy City Mortgage

🍂 October Home Maintenance Checklist! 🍂 Stay ahead of the colder months with these 6 must-do tasks: 1️⃣ Clean Gutters – Clear out leaves and debris to prevent water damage and ice dams. 2️⃣ Seal Windows & Doors – Check for drafts and apply weather stripping to keep your home warm and energy-efficient. 3️⃣ Service Your Furnace – Schedule a professional check-up to ensure your heating system is ready for winter. 4️⃣ Inspect the Roof – Look for missing shingles or leaks before the heavy snow hits. 5️⃣ Trim Trees & Bushes – Cut back overgrown branches to prevent them from damaging your home during storms. 6️⃣ Drain Outdoor Faucets – Shut off and drain water from outdoor taps to avoid freezing and burst pipes. 🍁 A little maintenance now will save you from big headaches later! 🏠

Thank you so much! We're thrilled to hear that refinancing with us has made such a big impact, especially with rates where they are now. It’s always a pleasure working with clients like you and your wife to find the best mortgage solutions! Glad we could help you save. 💰🏡

Real estate can be a rollercoaster 🎢, but your mental health shouldn’t be 🧠. Take a moment to recharge today 🔋—it’s a crucial part of success. #MentalHealthMatters #WorldMentalHealthDay

More and more homeowners are downsizing and turning their current property into a rental to generate passive income. Before making this move, it’s crucial to understand all the financial and mortgage implications. 📊 Many of my clients didn't realize how this decision could affect their new home purchase, and that's where I step in! Let's chat to make sure you're on the right track to maximize your income while keeping your mortgage situation in check. Contact me for expert advice and guidance! 📲 David Pereira, Troy City Mortgage (508) 207-5864

Lamont, we can’t thank you enough for the kind words! 💥 It was a pleasure working with you, and we're beyond thrilled that we could help make your investment dreams a reality. Knowing you'd choose us again for your next investment means the world to us. ⭐️ We’ll be ready to go when that time comes!

🍁 Fall is the perfect time to make your homeownership goals happen! Whether you're buying your first home or making a smart investment, we’ve got the mortgage options to help you get there. Let’s make it happen! 🏡

📢 𝗕𝗜𝗚 𝗧𝗜𝗠𝗘 𝗡𝗘𝗪𝗦: 𝗙𝗲𝗱 𝗖𝘂𝘁𝘀 𝗥𝗮𝘁𝗲𝘀! 📉💥 What does this mean for your mortgage? Let’s break it down! With the recent buzz around the Fed's rate cuts, there's a lot of confusion out there. 🤔 Let’s clear up a common misconception: the Fed cut the Federal Funds Rate, not mortgage rates. In fact, mortgage rates actually went up right after the announcement. 📈 🔍 𝗛𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝘀𝗰𝗼𝗼𝗽: 1️⃣ The Fed’s rate decision affects short-term rates, not directly linked to mortgage rates. 2️⃣ Mortgage rates can fluctuate daily, sometimes even hourly, based on market conditions. 3️⃣ Anticipation of the Fed's cut was already factored into the market, which is why rates have already been adjusting recently. 👉 𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗸𝗲𝗲𝗽 𝗮𝗻 𝗲𝘆𝗲 𝗼𝗻? The 10-year Treasury Bond! It’s a key indicator for where mortgage rates might head. If it trends down into the low 3’s, we could see mortgage rates improve. 📉 𝗥𝗲𝘀𝘁 𝗮𝘀𝘀𝘂𝗿𝗲𝗱, we’re always monitoring the market for you. If there’s an opportunity to drop your interest rate or improve your mortgage situation, we’ll reach out. 💼🔍 If you have questions about how these changes might impact you, or if you're curious about current mortgage opportunities, don't hesitate to message me. I'm here to help! 🙌💬

Why settle for the first mortgage offer you get when there might be better options out there? 🏡 Getting a second opinion can open up new possibilities, potentially saving you thousands over the life of your loan. At Troy City Mortgage, we explore *every* angle to make sure you're getting the best deal, not just the first deal. It's important to shop around—just like you wouldn’t buy the first house you see, you shouldn’t lock in the first mortgage offer without considering others. We’re here to compare options, find the right fit, and make sure your mortgage works for *you.* Let’s make sure you’re not leaving money on the table. Message me today, and let’s find the best mortgage for your situation! 💬✨

💡🏡 Thinking about cash-out refinancing? Here’s why it could be a smart move: 💵 Access Cash: Use it for home upgrades, debt, or big expenses. 📉 Lower Rates: Secure a better rate than your current mortgage. 🏠 Build Equity: Tap into your home’s equity to boost your finances. 🏷️ Tax Perks: Some interest may be tax-deductible (check with your tax pro). Let’s see how cash-out refinancing can help you reach your financial goals. Message me and let’s talk options! 💬✨

🍂 Fall is right around the corner! 🍁 Now's the perfect time to get your home ready for the cooler months ahead. 🏡 🔧 Here's your September Home Maintenance Checklist: ✅ Inspect Your Roof ✅ Clean Gutters ✅ Check Your Furnace ✅ Seal Windows and Doors ✅ Test Smoke Detectors ✅ Trim Trees & Shrubs A little maintenance now can save you from costly repairs later. 🛠️ 👉 Follow us for more homeowner tips and tricks!