Inflation does affect more than just the egg prices 🥚  Keeping up with economic indicators can help you understand how the market is doing and when it is the best time to buy. And yes, inflation is not the only factor that affects mortgage rates. It’s one piece of a much bigger puzzle that includes the Fed’s policies, bond markets, and overall economic health. But here’s the good news — you don’t need to figure it all out on your own. During uncertain times, working with a mortgage expert can help you gain the insights and the strategy to navigate the market with confidence, no matter what the headlines say. Got questions? I’m here to help. Drop them below, or shoot me a message!

Inflation does affect more than just the egg prices 🥚 Keeping up with economic indicators can help you understand how the market is doing and when it is the best time to buy. And yes, inflation is not the only factor that affects mortgage rates. It’s one piece of a much bigger puzzle that includes the Fed’s policies, bond markets, and overall economic health. But here’s the good news — you don’t need to figure it all out on your own. During uncertain times, working with a mortgage expert can help you gain the insights and the strategy to navigate the market with confidence, no matter what the headlines say. Got questions? I’m here to help. Drop them below, or shoot me a message! #mortgagerates #inflation #mortgagehelp #realestateanswers #homeownership

While you can wait to get preapproved until after you find a home you love…I wouldn’t recommend it. Doing it that way can cost you. Without a full preapproval backed by documents like W2s and bank statements, you’re more likely to run into delays and surprises. I’ve seen it happen. The numbers don’t add up at the last minute and everything gets real stressful real fast as we work to find a solution. Buying a home isn’t like buying a car. You don’t want to fall in love with the house and then find out the math doesn’t math. Sort out your financing first. It makes the rest of the process feel a LOT easier.

While you can wait to get preapproved until after you find a home you love…I wouldn’t recommend it. Doing it that way can cost you. Without a full preapproval backed by documents like W2s and bank statements, you’re more likely to run into delays and surprises. I’ve seen it happen. The numbers don’t add up at the last minute and everything gets real stressful real fast as we work to find a solution. Buying a home isn’t like buying a car. You don’t want to fall in love with the house and then find out the math doesn’t math. Sort out your financing first. It makes the rest of the process feel a LOT easier.

What happens if your home doesn’t appraise? #realestate #money #homevalues

There’s a lot of noise online about credit scores and mortgages—and most of it? Not the full picture. Different loan programs have different credit score requirements. And what you see online might not match what’s actually possible for your situation. But here’s what matters most: how you’ve handled payments and whether there are any negative marks on your report. #mortgagetips #creditscore #homebuyingtips #realestatemyths #mortgagehelp

Owning your story is the bravest thing you’ll ever do — Brown #mystory #grwm #notorious

🏠 Useful Resources 🏠 → https://www.rebeccarichardsonmortgage.com/resources 📱 Book a FREE 15-min call! 📱 → https://calendly.com/rebeccarichardson/15min 00:00 Intro 00:49 Question 1 02:26 Question 2 03:24 Question 3 04:44 Question 4 05:57 Question 5 👀 POPULAR PLAYLISTS 👀 Choosing a Lender → https://bit.ly/33iGNo1 The Loan Process → https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy → https://bit.ly/3uNSe2q Shopping Your Loan → https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) → https://bit.ly/3sAyvAj First Time Home Buyers → https://bit.ly/3gEbx61 Separation & Divorce → https://bit.ly/3Luv6Md 🏡 MUST WATCH Videos 🏡 Starting the Loan Process → https://youtu.be/aiPIcCSQdIU What Documents Do You Need? → https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer → https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price → https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work → https://youtu.be/MqfhHOJ5Ti0 💥 Follow me on Social Media 💥 → Tiktok: https://bit.ly/34VUTMB → Instagram: https://bit.ly/3rLy5rS → LinkedIn: https://bit.ly/3oJLuyq _________________________________ As The Mortgage Mentor, I'm here to help translate industry jargon into everyday language so you can confidently choose a mortgage strategy that saves you time and money. Rebecca Richardson, AMP Mortgage Loan Officer team@themortgagementor.co NMLS #91445

Trying something new always feels a little messy. It’s like learning to ride a bike. You get on. You wobble. You fall. You try again. You fall again. At some point, you start wondering… would it just be easier to walk? Because change feels inefficient. It forces you to slow down, rethink your steps, and disrupt the way you’ve always done things. And when you’re already busy, that can feel impossible. But here’s the thing—sticking to what’s comfortable keeps you exactly where you are. Growth isn’t about moving fast. It’s about being willing to get uncomfortable long enough to get better.

Thinking about buying a home? Don’t skip the paperwork. Pre-approval isn’t just a formality. It’s how you find out exactly what you can afford before you fall for a house that might be out of reach. Here’s what most lenders need upfront: 2 pay stubs 2 years of W-2s 2 months of bank statements If you’re self-employed or have a side hustle, add 2 years of tax returns to the list. It’s not about being nosy. It’s about giving you real numbers so you can shop smart. The sooner you get this handled, the sooner you stop guessing and start house hunting with confidence.

"Ever wonder who decides what mortgage rates are? They’re tied to something called Mortgage Backed Securities, which are bonds that rise and fall with the economy. Rates don’t come directly from the Federal Reserve, but they are influenced by it. When the Fed changes the Federal Funds Rate (what banks charge each other to borrow money), it can shift the economy, which then impacts mortgage rates. You don’t need to be an expert, but knowing what moves rates can help you feel more prepared when it’s time to buy."

🏠 Useful Resources 🏠 → https://www.rebeccarichardsonmortgage.com/resources 📱 Book a FREE 15-min call! 📱 → https://calendly.com/rebeccarichardson/15min 👀 POPULAR PLAYLISTS 👀 Choosing a Lender → https://bit.ly/33iGNo1 The Loan Process → https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy → https://bit.ly/3uNSe2q Shopping Your Loan → https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) → https://bit.ly/3sAyvAj First Time Home Buyers → https://bit.ly/3gEbx61 Separation & Divorce → https://bit.ly/3Luv6Md 🏡 MUST WATCH Videos 🏡 Starting the Loan Process → https://youtu.be/aiPIcCSQdIU What Documents Do You Need? → https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer → https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price → https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work → https://youtu.be/MqfhHOJ5Ti0 💥 Follow me on Social Media 💥 → Tiktok: https://bit.ly/34VUTMB → Instagram: https://bit.ly/3rLy5rS → LinkedIn: https://bit.ly/3oJLuyq _________________________________ As The Mortgage Mentor, I'm here to help translate industry jargon into everyday language so you can confidently choose a mortgage strategy that saves you time and money. Rebecca Richardson, AMP Mortgage Loan Officer team@themortgagementor.co NMLS #91445

Credit score confusion is real. The score you see on an app or from your credit card? It’s probably not the same one your lender sees {and that’s normal}. Different scoring models Different formulas Sometimes even a completely different scale. While the free score gives you a general idea, it’s not the full picture. If you’re planning to buy a home, get the score that matters. The one your lender pulls is the only one that counts when it comes to approval and your rate. Knowing where you stand can save you time, stress, and surprises later.

I’ve talked to so many buyers who feel overwhelmed before they even start looking for a home. I get it, there’s a lot to figure out. But here’s what I’ve seen time and again: when you have a clear plan and know what actually matters, the process gets a whole lot easier. You don't need all the answers from day one. You just need to know where to start and who to ask when questions come up. That’s where I come in.