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What's The Fed doing with mortgage interest rates? #federalreserve #mortgage #interestrates #homes
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What's The Fed doing with mortgage interest rates? #federalreserve #mortgage #interestrates #homes

Ever wonder why mortgage rates sometimes do the exact opposite of what you'd expect when the Fed changes its rates? It's because the Fed meets every month to decide if they need to adjust rates to either slow down or boost the economy. Usually, people have a guess about what the Fed will doโ€”no big surprises there. But mortgage rates can still move in unexpected ways based on what the Fed says about the future. So, if you're trying to guess the best time to lock in your mortgage rate based on the Fed's moves, it might not go as planned! ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
Can you buy a home after a bankruptcy? #homeloan #mortgageadvice #bankruptcy #creditrepair #credit
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Can you buy a home after a bankruptcy? #homeloan #mortgageadvice #bankruptcy #creditrepair #credit

If you've had a bankruptcy, you might think buying a home is out of reach. Donโ€™t be discouragedโ€”itโ€™s probably more possible than you think. Credit needs to be reestablished, and thereโ€™s a waiting period depending on the type of bankruptcy filed. For a Chapter 13 bankruptcy, itโ€™s possible to buy as soon as a year after filing. And for a Chapter 7 bankruptcy, itโ€™s possible to buy 2-4 years later. Remember, rebuilding your financial life is a journey, but homeownership can still be part of your future. If you have questions, Iโ€™m here to help. Reach out, and weโ€™ll explore your options together. ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
Avoid these mistakes when buying a home in 2024 #realestate #smartmoney #mortgage #preapproval #home
00:51

Avoid these mistakes when buying a home in 2024 #realestate #smartmoney #mortgage #preapproval #home

What you should do before falling in love with your future home? Here's a pro tip: Get preapproved before looking at homes. Why? Because a preapproval gives you the confidence to make an offer, knowing exactly what you can afford and the costs involved. A preapproval starts with a bit of homeworkโ€”gathering your financial documents. You'll need: two months of bank statements your most recent pay stubs two years of W2s. Think of it as putting together a puzzle that, once complete, reveals your home-buying power. Yes, tracking down these documents might feel tedious, but they're essential for a solid preapproval. Feeling overwhelmed by the paperwork? Donโ€™t worry, Iโ€™ve got a checklist to make things easier. If you're interested in a helping hand to get organized, just comment below, and I'll share it with you. ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
Understanding Mortgages
00:39

Understanding Mortgages

Hereโ€™s the real deal: mortgages can be more confusing than a calculus class. Sound familiar? You're not alone. Navigating the maze of mortgage terms, rates, and options can feel like you need a special decoder just to get started. And the pressure is onโ€”choosing the wrong mortgage can mean paying thousands more over the life of your loan. But here's the silver lining: getting familiar with the basics helps you feel confident making choices as you go through the homebuying process. With guidance from a knowledgeable mortgage loan officer, exploring your options becomes an informed choice rather than a daunting challenge. #homebuyingtips #DownPayment #mortgagetypes ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
Understanding Escrows
00:43

Understanding Escrows

Did you know your monthly mortgage payment is more than just the cost of your home? It also includes escrow payments for property taxes and insurance. An escrow account is like a savings account connected to your mortgage. Each month a 1/12th of your annual tax and insurance bills are set aside. Then when they are due, they are paid out of your escrow account. This ensures you never miss a payment on major bills like homeowners insurance and property taxes. While online calculators offer a ballpark figure, consulting with a loan officer ensures your estimate includes everything: principal, interest, mortgage insurance (if needed), and those essential escrow payments. For a truly accurate monthly payment estimate, let's chat and make sure youโ€™ve got the right info! ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
How's Your Credit?
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How's Your Credit?

Wondering how to start the journey to your dream home? It's not just about picking the right neighborhood or the number of bedrooms; it all begins with something much more personal: your credit score. Credit scores are more than just a numberโ€”they influence your loan options and interest rates. To lay a solid foundation for buying your home, focus on keeping your credit score high. Start by checking your credit report for free at Annual Credit Report . com. This is your chance to correct any inaccuracies and understand your financial standing. Improving your score can be as simple as resolving issues on your report and keeping your credit card usage below 30% of your limits. If you're feeling overwhelmed about preparing to buy a home or just need some guidance on how to improve your credit, I'm here to help. Drop a message or leave a comment, and let's make your dream of homeownership a reality. ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
FHA Requirements
01:27

FHA Requirements

"Think you don't qualify for a home loan? You might want to reconsider!" A lot of people don't know about the flexible qualifications that come with FHA loans. It's stressful not knowing if you can qualify to buy a home, right? Here's something uplifting: FHA loans were designed with you in mind. They ask for lower credit scores and accept higher debt-to-income ratios. This makes them a great choice if you're concerned about your financial past. Did you know you can qualify for an FHA loan with a credit score as low as 500 if you can make a 10% down payment? And, these loans aren't just for single-family homes; they're also available for 1-4 unit properties, as long as you live in one of them. Does this make the idea of buying a home easier? ๐Ÿ  Useful Resources ๐Ÿ  โ†’ https://www.rebeccarichardsonmortgage.com/resources ๐Ÿ“ฑ Book a FREE 15-min call! ๐Ÿ“ฑ โ†’ https://calendly.com/rebeccarichardson/15min ๐Ÿ‘€ POPULAR PLAYLISTS ๐Ÿ‘€ Choosing a Lender โ†’ https://bit.ly/33iGNo1 The Loan Process โ†’ https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy โ†’ https://bit.ly/3uNSe2q Shopping Your Loan โ†’ https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) โ†’ https://bit.ly/3sAyvAj First Time Home Buyers โ†’ https://bit.ly/3gEbx61 Separation & Divorce โ†’ https://bit.ly/3Luv6Md ๐Ÿก MUST WATCH Videos ๐Ÿก Starting the Loan Process โ†’ https://youtu.be/aiPIcCSQdIU What Documents Do You Need? โ†’ https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer โ†’ https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price โ†’ https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work โ†’ https://youtu.be/MqfhHOJ5Ti0 ๐Ÿ’ฅ Follow me on Social Media ๐Ÿ’ฅ โ†’ Tiktok: https://bit.ly/34VUTMB โ†’ Instagram: https://bit.ly/3rLy5rS โ†’ 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
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