Maria Elyssa Caramba’s Post

We take extra special care of our first time buyers. 🥰 It's always stressful but when you haven't done it before, it's crazy confusing and everyone wants to offer advice making it worse. At Velvet, we are great at holding hands. 🤝 PROTECT YOUR WORLD 🌎 INSURE YOUR HEART ❤️ ™️ Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage. #velvetmortgageinsure #mortgagebroker #mortgagetips #moneytips #firsttimebuyertips #homebuyingtips

Tomorrow is National Pumpkin Day!🎃 Whether you’re carving a pumpkin or planning for your dream home, it’s always the perfect time to talk about mortgages. Let’s carve out a plan for your future home! #NationalPumpkinDay #MortgageBroker

❗❗ ATTENTION ❗❗ Virgin Money selected rates are reducing tomorrow. Book a call with us https://lnkd.in/eM3Zt-WE PROTECT YOUR WORLD 🌎 INSURE YOUR HEART ❤️ ™️ Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage. #velvetmortgageinsure #MortgageBroker #mortgagetips #moneytips

Ever wondered how much equity you can take out of your home? ANSWER: Up to 80%! That means if your home is worth $700,000 and the amount owing on your mortgage is $400,000, you have $160,000 you can use towards: ✅ Paying off high-interest credit card debts ✅ Buying an investment property or a business ✅ Buying a second home or vacation property Got questions? We've got answers. Message us today! 💬 Quick Call Link: https://bit.ly/4dkzCuM #refinance #mortgagetips #equitytakeout

💡 Mortgage Tip: Aim to keep your monthly mortgage around 1/3 of your gross income. For example, with a $7,500 monthly income, that's about $2,475 for your base payment. But remember, after taxes and insurance, your total payment could be higher. Always plan carefully and stay within your comfort zone! Ready to discuss your options? Let’s chat! 📲 #MortgageTips #HomeBuyingAdvice #BudgetSmart #FinanceWisely

💰 How Much House Can You REALLY Afford? 🏡 Buying a home is a major financial decision, and knowing how much you can truly afford is the key to making smart, stress-free choices. In this video, we break down the essential steps to figure out your budget, so you can find the perfect home in California without breaking the bank! 🏠✨ ✅ Discover how to calculate your housing budget ✅ Learn tips to make your mortgage more affordable ✅ Avoid common financial mistakes Watch now and take control of your home-buying journey with confidence! #RealEstateTips #CaliforniaRealEstate #HomeBuyingTips #HowMuchHouseCanYouAfford #MortgageTips #FirstTimeHomeBuyer #FinancialPlanning #HomeOwnership #CaliforniaHomes #RealEstateAdvice #HomeBudgeting #PropertyBuying #RealEstateInvesting #CaliforniaLiving

Here are 4 scenarios where an offset mortgage could be useful 👇 1. You have savings that are earmarked for a future goal 2. You’re self-employed 3. A loved one wants to offer support 4. You could pay tax on interest from savings To find out more, click the link in the comments 😄

Before diving into the house hunt, it's crucial to know your budget inside and out! 💰🏠 Knowing your budget helps you set realistic expectations and narrow down your options to properties that are within your financial means. It also allows you to avoid falling in love with homes that are outside of your price range, saving you time and disappointment. Additionally, having a clear understanding of your budget empowers you to make informed decisions during the negotiation process and ensures that you can comfortably afford your monthly mortgage payments. Let's kickstart your home search by getting crystal clear on your budget. Reach out today for personalized guidance tailored to your financial goals and needs! 💰🏠 #janetmccord #janetmccord #janetmccordrealtor #realestate #myhometownrealtor #mccordproperties

🏡 Age Is Just a Number: Discover how it's never too late to achieve your dream of homeownership! Our latest video, 'Navigating Mortgages in Your Golden Years,' breaks down myths and lays out the facts. From the Equal Credit Opportunity Act to practical advice on mortgage options, we've got you covered. Whether you're eyeing your first home or thinking about downsizing, find out how age can actually work in your favor. Dive in now and start your journey towards owning the perfect home. 🌟 #HomeownershipDreams #GoldenYearsGuide #MortgageMythsUnveiled

🏡 Ready to achieve financial freedom? Paying off your mortgage faster is a key goal for many Canadian homeowners! Here are some strategies to help you reach that milestone sooner. Enjoy the financial freedom that comes with owning your home outright! https://ow.ly/xbeJ50SohzC #FinancialFreedom #MortgageTips #HomeOwnership #SmartSavings