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Mortgage fraud includes: ☑️misstating your work position, your income or the length of time you’ve held your job stating you’re a full-time salaried employee if you are not ☑️misrepresenting the amount or source of your down payment ☑️claiming a rented property is owner-occupied not disclosing other mortgages or debts omitting information to inflate the value of the property ☑️adding purchasers’ names on the mortgage application who will do not intend to take responsibility for the mortgage ☑️acting as or using a “straw buyer” – a person whose good credit is used to get a mortgage for someone else Read more here 🏡https://lnkd.in/eZa5BZ6j

Mortgage fraud includes: ☑️misstating your work position, your income or the length of time you’ve held your job stating you’re a full-time salaried employee if you are not ☑️misrepresenting the amount or source of your down payment ☑️claiming a rented property is owner-occupied not disclosing other mortgages or debts omitting information to inflate the value of the property ☑️adding purchasers’ names on the mortgage application who will do not intend to take responsibility for the mortgage ☑️acting as or using a “straw buyer” – a person whose good credit is used to get a mortgage for someone else Read more here 🏡https://lnkd.in/gxs3sdjs

Planning to buy a home? It’s time to get your credit score in order. Make sure to avoid these common mistakes: ❌ Ignoring your credit report. Check your credit report to make sure there aren’t any errors or signs of identity theft. ❌ Closing accounts. Doing so can bring down the average age of your credit, which impacts your score. ❌ Paying the minimum due. This can drive up your credit utilization rate, which is the amount of available credit you’re using. ❌ Making late payments. Set up automatic payments to avoid this risk entirely. Wondering if your credit score is high enough to secure a mortgage? Reach out for a referral to a mortgage professional who can help you find out. 📲 843-683-9083 📧 BuyCoastalSC@gmail.com #mortgagetips #creditscore #realestate #realestateagent #realestatetips #homesellertips #homesellerresource #homesellers #movingtips #movingforward #sellersagent #buycoastalsc #julianneclark #lowcountry #beaufortsc #beaufortrealestate #realtorlife #lovewhereyoulive #lowcountryrealestate #lowcountrylife #SRES #ABR #homebuyertips #homebuyer #buyersagent #makememove #southernlife #retiresouth #bftseaislands #southerncharm #lowcountrydream

Are you thinking about a mortgage? 🏡✨ Your employment history plays a crucial role! Consistency and stability matter, so avoid frequent job changes or gaps. Whether you're self-employed or navigating a probationary period, let's discuss how to present your employment history for a successful mortgage approval! 📞 519.636.2946 📩 ranicholson@rogers.com 🌐 www.ritanicholson.ca #Canadian #CanadianAgent #MortgageAdvice #FinancialFreedom

Without question, a quality business with outstanding leadership…….

Moving can be overwhelming, but having your documents in order can make the mortgage process a breeze. Make sure you have: 📄 Proof of Income 📄Identification 📄 Employment Verification. (Job letter & Pay stubs) 📄 Property Information What's the one document you never forget when preparing for a big move? Share in the comments! ⬇️ 🏠 Ready to make your move? Let us help you with the mortgage process! #MovingTips #MortgageProcess #HomeBuying #EssentialDocuments #WestCoastBroker

🏡✨ Navigating your mortgage can feel like a maze, but I’m here to help you find your way. Before you dive in, make sure to ask your lender these critical questions: 1️⃣ “How long will the loan process take from application to closing?” – This helps you plan your move or any other related activities. And besides, who doesn’t like a timeline to plan around? 2️⃣ “Are there any prepayment penalties on the mortgage?” – Knowing this can affect how you plan to pay off your mortgage over time. 3️⃣ “How will changes in the market affect my mortgage rate, and is it possible to lock in a rate? If so, how long will the rate be locked?” – This helps you understand your financial commitment and how market changes could impact it Knowledge is power, especially when it comes to mortgages. Let’s chat and make sure you’re equipped with all the right info! comment YES to get started 🗝️ Justin Robitaille – NMLS 2054932 717 Mortgage Group – NMLS 2424724 📱 717-727-6277 📧 jrobitaille@717mortgagegroup.com 📍 67 N Main St Unit 1, Dover, PA 17315 Equal Housing Opportunity

Moving can be overwhelming, but having your documents in order can make the mortgage process a breeze. Make sure you have: 📄 Proof of Income 📄Identification 📄 Employment Verification. (Job letter & Pay stubs) 📄 Property Information What's the one document you never forget when preparing for a big move? Share in the comments! ⬇️ 🏠 Ready to make your move? Let us help you with the mortgage process! #MovingTips #MortgageProcess #HomeBuying #EssentialDocuments #WestCoastBroker

It's almost like mortgage companies are aware of the quick fixes that could artificially inflate numbers for a short period of time... Working 2 jobs is essentially considered variable income. This is why we require a two year history. The hardest part. About using two jobs is the working simultaneously for 2 years. That means you can't have any significant gaps in that two year time frame. The underwriter is really looking for consistency on working that second job before they are going to consider it a stable source of income. And that can only be accomplished with time. If you want to buy a home in Washington State, and you are willing to send me the documents, then I would love to help you! I am Kira Truett, and I'm a mortgage broker, which means I can help you get the financing you need to buy a home. #washingtonstateloanofficer #washingtonloanofficer #mortgagebroker #yourhomeloansuperhero #homeloansuperhero #seattleloanofficer #snohomishloanofficer

Have a short work history? Not a problem! This article reveals strategies to secure a mortgage, even with limited employment history. Give me a call at (630) 290-4875 to learn more. NLMS: 3030 #EqualHousingLender