JPAR Maryland Living’s Post

应对信贷挑战？作为抵押贷款经纪人，我可以帮助您找到适合您情况的选择，或者为您提供比您想象的更好的结果。联系我们吧！ Navigating credit challenges? As a mortgage broker, I can help you find options that work for your situation or give you tips that show results faster than you might think. Reach out now.

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Want to tap into your home’s equity? Here’s a quick HELOC guide: 📌 Check Equity: Borrow up to 65-80% of your home’s value. 📌 Review Credit Score: A strong score gets better terms—need help? Contact me! 📌 Gather Documents: Prepare income proof, property details, and mortgage info. 📌 Shop Rates: Contact me and I can find the best rates and terms for you. 📌 Apply: Once you choose a lender, submit your application and start the process!

🎉 Big news from the mortgage front! Our corner of the world is buzzing as mortgage brokers, like our team, are reaching a 15-year high with 26.6% of ALL mortgages in the first quarter of 2024. Yep, more and more lenders (and agents!) are discovering the perks of working with brokers. And on the real estate side? 🇺🇸U.S. home prices have hit an all-time high, jumping 6.3% nationwide. 👉Even with the rising interest rates, the demand is still pushing values higher. Which means this strong market opens up fantastic opportunities, whether you're thinking about buying, cashing out some equity, considering a HELOC, or perhaps removing PMI. If you're curious about how these trends might impact you or your clients, let’s connect. 💙My team and I are here to help make sense of it all for you!

Sharing the latest mortgage, real estate and business news.

Optimize Your Document Generation with Propel™ by Asurity! 🎯 Learn from a top mortgage lender’s journey with Propel™. Download our case study to find out how we managed a high-volume transition within a tight timeline. Get the Case Study ➡️ https://lnkd.in/eU8U_tZz

Dear Mortgage Industry, Originators- this is for you. Be alert and proactive, not too early, but not too late regarding mortgage rates decreasing and future refinance opportunities. Many buyers who secured a loan/interest rate from 2022 to the recent decline might benefit from refinancing, but not so fast. The first step is notifying and quickly producing the data. Have templates created to show the benefits and the recapture analysis. Explain what is also anticipated with the economic changes, which seem somewhat inevitable when inflation comes down to avoid anything premature. Create templates (now) for all those who may benefit from obtaining the information you need on their existing loan terms. Save these custom scenarios in your pricing engine to compare new terms for quick updates and consistent input. This will inform borrowers of their options and when they (not you) wish to act on opportunities. Find those potential opportunities now, but understand that things will be volatile. Never allow emotion to impact math and facts. Some are consistently busy or active, and I understand some are slow or verging on desperate... but desperation has no place in this industry as licensed professionals when coaching a client or potential borrower on refinance timing as you don't want to be premature on more significant savings potentially ahead. Some reminders as this is a unique territory after the market we were in: - Mind and respect EPO's - Mind and respect the borrower's equity - Understand and educate on investor's float-down policies - Provide choices on all rate coupons and share the full rate sheet for analytics on recapture math so the borrower is educated and has financial options. NEVER quote one random rate coupon or miss 'all' fees and costs/credits associated with any new loan. - Share market trends and data. Speculation is part of that but produces choices and financial impact on every borrower - Discuss the pros and cons of financing closing costs or refunded prepaids - Discuss all consumer debts for consolidation opportunities and savings - Closely monitor economic reports and track MBS daily - Be fast, accurate, and organized on all updates #future #refinancing #mortgage #data #recapture #math #ethics

We’ve been digging deep into the challenges first-time buyers face in their mortgage journey, and the pain points are clear: complex processes, document headaches, and a lengthy journey filled with uncertainty. Our take? 🤔 A simpler, intuitive journey is set to help buyers approach mortgages with confidence not dread. We're exploring how tech and empathetic design can empower buyers—from learning and searching to securing their mortgages. What do you think first-time buyers need most? Share your thoughts 👇

Sharing an article where I was quoted in MortgageTrends.io . . . How Can Communication Be Tailored to Clients With Different Financial Literacy Levels? - Mortgage Trends

𝗜𝘀 𝗙𝗿𝗶𝗱𝗮𝘆 𝘁𝗵𝗲 𝟭𝟯𝘁𝗵 𝗨𝗻𝗹𝘂𝗰𝗸𝘆 𝗳𝗼𝗿 𝗬𝗼𝘂? 𝗟𝗲𝘁’s 𝗖𝗵𝗮𝗻𝗴𝗲 𝗧𝗵𝗮𝘁! 🌟 As we embrace this infamous day, many of us might feel a twinge of superstition. Friday the 13th has long been associated with bad luck, but what if I told you that today could be the day you turn your luck around? 𝗗𝗼𝗻’t 𝗟𝗲𝘁 𝗠𝗶𝘀𝗰𝗼𝗻𝗰𝗲𝗽𝘁𝗶𝗼𝗻𝘀 𝗛𝗼𝗹𝗱 𝗬𝗼𝘂 𝗕𝗮𝗰𝗸! Many people believe that securing a mortgage or financing is a daunting task, filled with obstacles and uncertainty. But here’s the good news: you don’t have to navigate this journey alone! 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿 𝗬𝗼𝘂𝗿 𝗧𝗿𝘂𝗲 𝗕𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗖𝗮𝗽𝗮𝗰𝗶𝘁𝘆 Chatting with an experienced mortgage broker can help you uncover your true borrowing capacity and explore a range of lending options tailored to your unique situation. Whether you’re a first-time homebuyer, looking to refinance, or seeking investment opportunities, understanding your financial potential can be a game changer! 𝗪𝗵𝘆 𝗪𝗼𝗿𝗸 𝘄𝗶𝘁𝗵 𝗮 𝗕𝗿𝗼𝗸𝗲𝗿? We provide options from over 60+ lenders, ensuring you find the best fit for your financial goals. With over 10 years of experience in the industry, I can simplify the application process and help you avoid common pitfalls - whether it’s for a home loan, investment property, or renovation project. 𝗧𝘂𝗿𝗻 𝗬𝗼𝘂𝗿 𝗟𝘂𝗰𝗸 𝗔𝗿𝗼𝘂𝗻𝗱 𝗧𝗼𝗱𝗮𝘆! Don’t let the superstition of Friday the 13th hold you back from your dreams and aspirations.