Christian Mourra - The CM Team

Read about why you should download the myFICO app.

If you want to buy finance a home, you should know what scores brokers are using to pre-approve you!

Click the link to read 👓

https://rateleaf.com/myfico-credit-hack/

Home buying habits you should have:
📍Do your own research
📍Let your agent call the listing agent
📍Trust your agent more than the internet
📍Take initiative

Click the link to read more!

8 Good Home Buying Habits to Have - Christian Mourra Knowing what you want and learning basic terms so that you can communicate to your North Miami real estate agent the type of home you’re looking for is one

Mortgage-backed securities are kind of like stock market units, but for mortgage brokers 💁‍♂️

Read more about the by clicking the link!

How Mortgage-backed Securities Work - Christian Mourra Mortgage-backed securities are kind of like stock market units, but for mortgage brokers. Essentially, a mortgage-backed security (MBS) is a type

After appraisal fees, the fees that confuse people the most are title and escrow fees. Our friends at nu World Title helped explain their title fee break down.

How Much are Title and Escrow Fees? - Christian Mourra Once you house hunt for a while, the same terms start to pop up: closing costs, down payments, etc. After that, people ask about title and escrow fees.

Piggyback loans are when people take on two mortgages instead of one. Benefits apply when buying homes over the limit of $548,250 include:

less strict requirements
lower down payment
no closing costs paid on 2nd mortgage

Click the link to read the rest!

Piggyback Loans are Back - Christian Mourra Piggyback loans are when people take on two mortgages instead of one. While you can take on a single mortgage to pay for a million

Take our latest home buying survey!

https://us8.list-manage.com/survey?u=56a57e3cc1e0df62e3d2dd922&id=5585744b77

What Part of South Florida Do You Live In?

Christian Mourra - The CM Team updated their address.

Looking to a buy a home and want to move somewhere cheaper? Just remember that it's all about location!

If you're looking to buy a home in Broward, where it's currently cheaper and less crowded, remember to keep in mind that Broward is located in the C-11 West Basin—an area that was once part of the Everglades that collected water year round.

Find out the tools you can use to make sure that the home you want to buy isn't in a special flood zone by clicking the link below

Broward Flood Hazards: Raising Buyer Awareness If you're moving further North of Miami, Broward flood hazards are something to take into consideration when buying a home.

More Americans rent today than ever before. And the younger generation? They're tired of it.

This article on USDA loans is for all of the and who get lost on the For You Page of .

If you're not familiar with cottagecore, it's a social media movement that taps into the wistfulness of a younger generation that's hungry for an idea of American life that’s no longer common.

They enjoy the idea of a life set in remote places, full of tranquility and self-sustainability. Many cottagecore fans are younger people from underrepresented minorities, but they’re also adults in their twenties looking for a change of pace, biding their time to buy a home 🏡

Without knowing it, the cottagecore movement is showing home sellers what future home buyers want.

Click the link below to learn more 👨‍🌾

Living Out Your Cottagecore Fantasy with a USDA Loan - Christian Mourra There’s been a sweeping social media movement that’s been steadily growing called cottagecore. If you self-describe as farm life loving, then you might be

More Americans rent today than ever before. And the younger generation? They're tired of it.

This article on USDA loans is for all of the GenZ and millennials who get lost on the For You Page of cottagecore Tiktok.

If you're not familiar with cottagecore, it's a social media movement that taps into the wistfulness of a younger generation that's hungry for an idea of American life that’s no longer common.

They enjoy the idea of a life set in remote places, full of tranquility and self-sustainability. Many cottagecore fans are younger people from underrepresented minorities, but they’re also adults in their twenties looking for a change of pace, biding their time to buy a home 🏡

Without knowing it, the cottagecore movement is showing home sellers what future home buyers want.

Click the link below to learn more 👨‍🌾

Rate Leaf, Inc. on Google More Americans rent today than ever before. And the younger generation? They're tired of it. This article on USDA loans is for all of the GenZ and millennials who get lost on the For You Page of cottagecore Tiktok. If you're not familiar with cottagecore, it's a social media movement that taps into....

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Christian Mourra - The CM Team updated their website address.

Christian Mourra - The CM Team updated their business hours.

Check out our 2020 Housing Market Wrap Up!

Wishing you a Happy New Year 🎉

31 December, 2020 - Rate-Leaf-2020-Wrap-Up Check out a video I made via Loom

Read about the perks we're offering to our realtor partners who work with us!

Quid Pro Quo: Finding Realtor Partners to Work With Let's get straight to the point: I'm looking for realtor partners. How you approach business will determine whether or not we should work together.

We can't espresso our gratitude enough ☕

Here's the Rate Leaf team taking a after one of our wonderful clients sent us a coffee cup set as an early Christmas gift 🎁

We were beyond happy that we were able to help her refinance her mortgage, and we hope she enjoys the benefits for years to come.

Slight uptick in available single family homes today. Same thing goes for units sold and pending though! Time flies, but homes sell even faster ⌚🏠

Condos have sold quickly, most likely due to their being slightly more affordable than single family homes 👪

A recent Redfin Report showed that people are still willing to pay an extra 23.5% of a home’s value in order to live walking distance to convenient places. However, since 2016, the value of walkable homes has fallen by 2.3% 📉 Previously people were willing to pay about 25.8% extra of a home’s value in order to live in a walkable home.

In contrast, it seems that homes in car-dependent neighborhoods 🚙 increased in value by 4.3% 📈

That’s no surprise considering that remote work 💻 is now a real option for employment, so people are taking the liberty to search further in order to find a home that gives them more bang for their buck 💸

Good morning! For today's there were more condos and single family homes sold than last week. Surprisingly, there are less condos on the market and more single family homes available—but they're selling out fast.

Call Rate Leaf today at (954) 526-5938 to speak with a broker about getting pre-approved for a home loan 🏠👪

For our daily economic update—some great news! There seems to have been a small bump in available listings, but as always, in South Florida, homes sell quickly.

As rates are predicted to remain low due to the Fed's commitment to keeping low interest rates and president-elect Joe Biden's promise to keep Fannie Mae and Freddie Mac under conservatorship, home buyers and sellers are gaining confidence.

Stay tuned for tomorrow's updates—you never know when your dream home could be put on the market!

Visit us at www.rateleaf.com for more information on South Florida housing, or call our office today at (954) 526-5938 to speak to a local broker.

What if I told you that buying a home was easier than buying a car? You’d probably laugh and slam the door in my face—but you’re going to want to keep it open for just a few minutes more.

True Story: Buying a Home is Easier than Buying a Car Whenever I hear people talk about buying a home, there’s a certain shift in tone when they’re speaking. Their voice might lose some confidence, maybe even

Read our latest

You can see our sources for yourself as found in the South Florida Market stats for :

https://www.miamirealtors.com/news/south-florida-market-stats/miami-dade-real-time-market-stats/



Single family homes have always sold faster than condos—but home prices are rising faster than ever before. There are only about HALF as many single family homes for sale on the MDC market, despite Miami-Dade county being home to over 2.7 million people.

In the current seller's market we find ourselves in—you may want to invest in a home before the inventory is gone—because it's selling quickly.

Broker's Open: We Came, We Saw—We Were Stunned - Christian Mourra I love a good open house. And that’s exactly what Luis Dominguez and Karl Hueck did this past Wednesday at Broker’s Open in South Miami.

$15,000 Biden Tax Credit for First-Time Home Buyers But there’s more! The Biden tax credit plans to offer a $15,000 to first-time home buyers as an incentive to help people build wealth and achieve financial

Read about the modern way to mortgage in our latest blog post!

Mortgage the Modern Way—Why Local Brokers Matter Sure, I may not be part of a large company like Rocket Mortgage or Quicken Loans, but while they might have size—local brokers like Rate Leaf offer more

Rates are in the 2s 👀

Call us today at (954) 526-5938 or visit us at www.rateleaf.com to refinance! 🏡

Now through Nov. 11! It's our way of saying thank you 🙏🇺🇸

Read our latest blog post about how a title company error can hurt your homestead exemption benefits!

A Man, a Title Company, and a Homestead Exemption Walk Into a Bar A man, a title company, and a homestead exemption walk into a bar—wait have you not heard this joke before? To be fair, it’s not funny.

I Lied Through My Teeth — and I’m Closing This Deal Now I’m not the type to make a promise I can’t keep, but there’s something to be said about being able to deliver on a promise.

Read about the C-11 West Basin in South Florida, and how to approach buying a home in a flood hazard area!

Broward Flood Hazards: Raising Buyer Awareness If you're moving further North of Miami, Broward flood hazards are something to take into consideration when buying a home.

Recently, UWM sent us some good news. We helped clear a home loan for closing in 18 days! This is a very fast turn around time for home loans, and something we were able to accomplish due to our hardworking team here at Rate Leaf.

Rate Leaf, Inc. on Google Recently, UWM sent us some good news. We helped clear a home loan for closing in 18 days! This is a very fast turn around time for home loans, and something we were able to accomplish due to our hardworking team here at Rate Leaf.

Read my latest post, and learn why listing agents should question appraisers throughout their appraisal process.

Why Listing Agents Should Question Appraisers If you’re new to home buying, you might be asking yourself — what’s an appraiser? An appraiser is a finance professional whose job is to…

We're changing things up at Rate Leaf by delivering insider tips straight to your inbox! Subscribe to our newsletter to learn more about building a positive company culture, home buying, and the state of the economy 💸

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cdn.forms-content.sg-form.com Welcome to Rate Leaf's digital newsletters, where we talk about building a positive company culture, self-care and home buying tips!

The world is changing fast—and real estate is changing with it. Read my latest post to learn more about how is affecting .

The Effects of Climate Change on Housing The other day I was scrolling on Facebook and saw a four panel comic talking about how there used to be more bugs down here in South…

When will the next housing construction boom happen? Find out by reading my latest post on Medium 😁

When Will the Housing Construction Boom Happen in the US? A recent episode of The Indicator released on NPR earlier this week talked about how COVID-19 has been disrupting supply chains around the…

You don't actually have to put 20% down in order to buy a home.

Read my latest post on Medium to find out how you can buy a home without having to invest more money than you actually have!

Buy a Home Without Paying 20% Down You know that line you always hear? The one where you should make a 20% down payment on a home to avoid having to pay mortgage insurance…