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By myfirstcho6600809, Jun 18 2018 05:25PM

Let's look at your loan file to see how much cash you can access from your built-up equity! After all, home prices have increased an average of 37 percent since 2009!

“Home prices have continued to surge since the last recession, leaving homeowners with record amounts of home equity,” according to Freddie Mac.

If your home has appreciated higher than the national average, you may have more home equity than you thought. You could be sitting on the cash you need!

Home prices rose 7 percent just since last year. That’s an average of $15,0100 in home-equity wealth during 2017 alone- the biggest increase in the past four years.

Add up all that equity and make it work to your advantage!

More Equity Means More Choices for You!

When it comes to home financing, more equity can mean a better rate, better loan terms, or even the option to cash out.

Find out if this is a good time to purchase that second home or rental property you’ve been wanting.

Maybe you need funds to remodel, invest in your business… or for tuition or unexpected medical bills. It costs you nothing to sit down with us to review your options.

Don’t miss out! Call now to review your mortgage situations!

By myfirstcho6600809, Jun 12 2018 05:11PM

You'll Love Your "Low Down Payment" Options!

You may not need as much cash as you think to buy your next home! Limited down payment funds don’t have to stop you from buying a home.

Sure, putting 20% down can keep your payments lower, but it may not be feasible.

The good news have options.

You may not have to save another dime for your down payment! We can link you to loan programs with down payment requirements as low as three or five percent!

These programs are actually pretty popular. As many as 40 percent of homebuyers make a down payment of less than 10 percent, according to Freddie Mac.


You may want to consider an FHA loan that requires a down payment of just 3.5 percent.

Today, both Fannie Mac and Freddie Mac offer loan packages with down payments of only 3 percent.

Don’t forget, you can also be “gifted” down payment funds from family, friends, employers, etc.

Together, we’ll decide which mortgage strategies work best for your unique situation- including the amount and sources of your down payment.

We can simplify the process for you while showing you ways to save on your next mortgage.

Call now!

By myfirstcho6600809, May 29 2018 05:45PM

You've already experienced the benefits of your Professional Mortgage services! Because we personalize your Mortgage Planning, we know what you want and need:

Enough cash to meet your present financial needs

An affordable mortgage you can comfortably live with

Mortgage solutions that can help you reach your long-term goals

Trustworthy advice that builds your confidence

Peace of mind that you’re on the right financial path

Yes, we’re ready to help you… again! Give us a call!

By myfirstcho6600809, May 22 2018 06:38PM

National home prices have climbed for 23 consecutive months- 6.6 percent just in the last year. CoreLogic is forecasting another national price increase of 4.8 percent by January 2019.

Take a look at your potential buying and borrowing power behind those rising numbers!

Why times may be of the essence!

When you’re ready to buy, you’ll want to get your loan application started before the loan you want becomes unaffordable.

When you need immediate cash for home improvements, debt consolidation or other major expenses- rising home values can give you more home equity to work with.

Either way, call us today and let’s review your best home loan choices!


By myfirstcho6600809, May 15 2018 11:24PM

While we can't control rates, we can help you get an attractive rate even in this ever-changing market!

The best part is, when it comes to your home loan... we do all the research and legwork for you-so you don't have to.

Keep More Cash in Your Pocket…

There are definitely ways to cut back the cost of getting home financing, from helping you enhance your credit score to knowing precisely when to lock- and for how long!

As your Mortgage Specialist, we'll review money saving strategies to help your home equity work for you. We simplify the process for you and will present your loan application in a favorable light.

Smart Financial Choices Put YOU In Control!

A lot of factors influence your mortgage rate.

Economic conditions (jobs, inflation, etc.) and bond market activity are among the leading factors that influence the mortgage market. The Federal Reserve's response to all the financial market hoopla can impact mortgage rates as well.

Now here's when things really "hit home"...

The final interest rate you get on your new mortgage will be influenced by:

Your credit score:

Higher scores often mean lower rates.

• Your loan-to-value:

A bigger down payment (or more home equity) can lower your rate.

• Your loan terms:

15-year fixed rates are lower than 20- or 30-year fixed rates, Adjustable Rate Mortgages (ARMs) usually start out lower than fixed-rate mortgages; however, are subject to change.

Your property:

Condos and manufactured homes have slightly higher rates.

Your ownership:

Your primary residence will have a lower rate than an investment property.

We'll Put Your Mind at Ease!

Even if you're still undecided about home financing, we invite you to meet with us to explore your options.

After all, it's to your advantage to be well informed about this important decision. So call now, while you still have this newsletter in your hand!

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