Competitive Home Lending

Did you know that many homebuyers end up paying more than they should for mortgage rates? By choosing a wholesale rate over the average retail rate while keeping your monthly payment the same, you can afford a bigger or better home. can add more value to their service by guiding clients to these lower rates, helping them maximize their homebuying power.

Boost Your Home Buying Power Today!



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A Home Equity Line of Credit (HELOC) can be a flexible borrowing option for homeowners in Texas, allowing them to access funds using the equity in their homes.



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Using a HELOC to Consolidate High-Interest Debt Consumer debt is at a 10-year high reaching over $17.5 trillion. Although non-housing debt accounts for nearly 30%, what is more concerning is the delinquency rate trend. Credit card delinquency greater than 90-days is t...

Are you ready to unlock the door to your dream home? At Competitive Home Lending, we're here to make your homeownership journey smoother, faster, and more affordable!

🔑 Direct-to-Consumer Wholesale Mortgage Rates: Say goodbye to inflated rates and extra fees! With our direct-to-consumer wholesale mortgage rates, you'll get access to some of the most competitive rates in the market, straight from the source.

🚀 Fast Loan Closing: Time is of the essence when it comes to closing on your dream home. That's why we prioritize speed without compromising on quality. Our streamlined processes ensure that you get to the closing table faster, so you can start making memories in your new home sooner.

💰 Lower Fees, More Savings: Why pay more when you don't have to? By removing loan officer commissions that can add to the costs paid by borrowers, we save homebuyers thousands in unnecessary interest and fees.

Contact us today to learn more about wholesale mortgage loans. Affordable homeownership awaits.



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🏡 FHA vs. Conventional Loans: Know Your Options! 🏡

🔹 FHA Loans:
Lower interest rates 📉
Accessible with lower credit scores 📊
Higher Debt-to-Income (DTI) ratios accepted 💰

🔹 Conventional Loans:
Lower fees 💸
3% down payment option for first-time homebuyers 🎉
Reduced Mortgage Insurance (MI) costs 💼

Understanding the differences between FHA and Conventional loans can empower you in your home buying journey! Which option suits your needs best? Let's discuss!

🏠✨

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🏡 Looking for more than just a lower mortgage rate when it comes to your home loan? Look no further! At Competitive Home Lending, we're all about delivering more than just competitive rates. 💼 Fast closings are our specialty, making the home buying and selling process a breeze for everyone involved – buyers, sellers, and real estate agents alike! 🚀 Get the best of both worlds: great rates AND speedy closings with Competitive Home Lending. Let's make your dream home a reality, together! 🏠✨

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The real estate landscape is about to undergo a transformation with a groundbreaking $418 million settlement that could change the way Americans buy and sell homes.
The National Association of Realtors is shaking up the industry by abandoning old rules and paving the way for more negotiation power in agent fees. This means buyers can now negotiate upfront with their agents, potentially driving down commission rates. 📉💼
At Competitive Home Lending, we see this as an opportunity for agents to stay ahead of the curve and maximize their earnings.
With the market evolving, it's crucial for agents to adapt. Contact us today to explore strategies that can give you the edge in this changing landscape. Let's discuss how you can thrive in the new era of real estate! 🚀🏠 214.842.6071

Realtors Reach Settlement That Will Change How Americans Buy and Sell Homes The groundbreaking $418 million legal agreement could drive down commission rates and shrink the number of real-estate agents over time.

📢 Don't let the perfect home slip through your fingers this buying season. 🌟 Buy Your Dream Home by Tapping into Your Home Equity FIRST! 💰🔑

🏡 No more waiting, no more contingencies. Secure your dream home NOW without the stress of selling first. Access your home equity upfront and get an edge in this competitive market!

💥 Benefits:
✅ Remove home sale contingencies
✅ Seize the perfect home without delays
✅ Stay ahead in the buying season

Don't miss out on the home you've been waiting for – contact us today and make your move! 🏡💼 214.842.6071



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🏡✨ Maximize Your Tax Return with Mortgage Recasting! 🌟 Explore a savvy way to wield your tax return for financial empowerment! 💰✨ Mortgage recasting lets you preserve that low rate while unlocking a lower monthly payment. Dive into our latest blog for insights, real-life case studies, and discover a path to financial freedom!🚀



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Unlocking Financial Flexibility: The Case for Mortgage Recasting The landscape of mortgage recasting, a method offering homeowners a means to amplify financial flexibility. By injecting a lump-sum payment into the principal balance, monthly payments undergo recalibration without alter...

🏡 Planning to use your tax return for that dream home purchase? Here are 3 crucial things to know before you dive in:

1️⃣ Know Your Budget: Your tax return can be a fantastic boost, but it's essential to have a clear budget. Consider not just the down payment, but also closing costs, property taxes, and potential renovations. Understanding your financial limits ensures a smoother homebuying journey.

2️⃣ Check Your Credit Score: A solid credit score opens doors to better mortgage rates. Before you start house hunting, review your credit report and address any issues. A higher score can save you money in the long run, making your dream home even more affordable.

3️⃣ Research Mortgage Options: Explore various mortgage options to find the one that aligns with your financial goals. Fixed-rate or adjustable-rate? 15-year or 30-year term? Understanding the details helps you make informed decisions, setting the stage for a successful homebuying experience.

Homeownership is a thrilling journey, and your tax return can be a powerful tool in making it a reality. Take these steps to ensure a smooth process and turn your dream home into a tangible key in your hand! 🗝️🌟 🏡

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Planning to Use Your Tax Return to Buy a Home? What to Know It’s tax season. While tax filers have until April 15th, 2024 to file their returns, those anxious for their tax return refund might opt to file ahead of the tax deadline. Tax refunds can be hundreds of dollars or thousa...

🏡 HUD offers a $100 down payment program, making homeownership more accessible! Qualified buyers can snag a HUD-owned home with just $100 down. 🌟 Eligibility varies, so check with a local HUD-approved real estate agent or visit the official HUD website for details. 🏠💙 Don't miss out on this fantastic opportunity! Ready to take the next step? Get qualified with Competitive Home Lending today! 🚀💼




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Just as .25 of a day gives us 1 extra day every 4 years, imagine what .25 added to your rate can do! Never settle for mediocre retail mortgage rates. Choose Competitive Home Lending for a leap towards lasting savings!



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Did you know you can now qualify for a 1% down payment conventional home loan? Owning your dream home just got a whole lot easier. Reach out to me for more information on how you can make this a reality! 🏡💰

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Dreaming of your own home? Good news! For a limited time, first-time homebuyers in can qualify for a 1% down payment on a conventional loan program. 💰✨

🔍 Explore the benefits:
1️⃣ Accelerate your journey to homeownership.
2️⃣ Enjoy ongoing affordability beyond the down payment.
3️⃣ Strengthen your financial position with 3% equity from day one.

Empower yourself with savings—homeownership is within reach!

📝 Ready to make your dream a reality? Apply online today with Competitive Home Lending, your trusted Texas mortgage broker. Contact us to check eligibility, verify your credit score, and explore Down Payment Assistance options. 🚀🏠



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How to Qualify for a 1% Conventional Loan Down Payment The minimum down payment for a conventional home loan is 3%. However, for a limited promotional period, first-time homebuyers can qualify for a conventional loan with a 1% down payment instead. This low down payment prog...

💖 Roses are red, violets are blue, if you're swiping for love, check the credit score too! 🌹💳 Happy Valentine's Day! Remember, a good credit score is the real heartthrob! 💘📊



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🏡✨ Did you know that with Competitive Home Lending's lower wholesale mortgage rates, you could pocket enough savings to treat yourself to the ultimate fan experience like The Big Game every 4 to 5 years? 🏈💰 Imagine turning your dream home into a touchdown for your wallet! 🚀 Ready to score big on savings? Check out our lower mortgage payment calculator to estimate your potential savings. Contact us today and let's kick off your homebuying journey! 🏠💙



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Get a better rate on your mortgage loan! Many homebuyers unknowingly pay retail rates, causing them to overpay by thousands of dollars per year. Wholesale mortgage rates offered by top lenders can save you big.



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Is Paying a Higher Mortgage Rate Like Tipping? Rewarding excellent service shouldn’t cost thousands of dollars. When it comes to home loans, understanding how loan officer commissions and retail rates work can save thousands of dollars over the life of a mortgage loa...

Quiet Luxury:
• Enjoy the same monthly payment as a retail lender, but afford a bigger, better home with a wholesale mortgage rate instead. This means more space, better location, or luxury features you truly desire. Think: peaceful home office, dream kitchen, or a backyard oasis.

Loud Budgeting:
• Pay less each month when you choose a mortgage broker with lower mortgage rates over a retail lender with higher rates. It's a loud declaration of your budgeting prowess, proving that affordability can be exciting.

The choice is yours: Quietly enjoy a bigger home or loudly celebrate your financial power! Which approach resonates with you?

Contact me today for a free consultation and discover how a mortgage broker can unlock thousands in savings!

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Hey Texas neighbors! Don't forget to take advantage of the Homestead Exemption! It's a great way to save on property taxes. Check if you qualify and claim your exemption.



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What to Know About Homestead Exemptions in Texas? Homestead exemptions save homeowners a significant amount of money every year and can provide them with extra benefits. Be a savvy homeowner and utilize the Texas Homestead Exemption.

Thinking of buying a home in McKinney, TX? Here are three reasons to make it your home sweet home.

1️⃣ Ideal time to buy based on home prices 📉
2️⃣ More inventory 🏠
3️⃣ Affordable prices compared to neighboring cities 💰

McKinney, with its rapid growth and economic advantages, is the ideal spot for your dream home. 🌆✨

Ready to make your move? Connect with our recommended agents and explore mortgage options today. McKinney offers not just immediate affordability but a forward-thinking investment for future financial growth. 📈💼

Don't miss out on this incredible opportunity! 🚀



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3 Reasons to Buy a Home in McKinney, TX In addition to the winter being a buyer's market, McKinney boasts a lower median home price, greater inventory, and decreasing prices compared to three neighboring cities.

The HomeReady SPCP grant is for first-time homebuyers who currently live in underserved areas of Texas. This program aims to make homeownership more affordable and accessible. Learn more about this grant and its eligibility requirements today.



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How To Qualify for the HomeReady™ Special Purpose Credit Program The HomeReady™ Special Purpose Credit Program (SPCP) is a $5,000 grant for first-time homebuyers who currently live in eligible areas.

The real estate market in McKinney is on the move, with average home prices dropping. 📉 Now is the perfect time to make your move and secure the home of your dreams at the best possible price! 💰

🌟 Why now is the ideal time to buy:
✅ Average home prices are on the decline.
✅ It's officially a buyer's market, meaning YOU have the upper hand.
✅ The opportunity to snag an incredible deal and save thousands is here!

Contact us today for a list of highly recommended real estate agents who not only understand the McKinney market inside out but can also help you maximize your savings on your home purchase! 🏠💸

🌟 Message us for more details and let's get started on your home-buying journey! 📲🏡



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What a great way to start off 2024!!! Thank you so much to the sellers of this wonderful home. Our team is thankful for the opportunity to serve you and meet your needs.

Who says it takes a long time to purchase a home?

🌟 UNDER CONTRACT 12/13/23
🌟 CLOSED 1/2/24

That's 20 days with 2 holidays involved. Thank you to the buyer's lender Competitive Home Lending and the seller's chosen title company Chicago Title Southeast for a quick smooth transaction.

If you are looking to buy, sell, lease, or invest this year, let's schedule a time to meet and discuss your needs. Our team is motivated and ready to serve you!

Anchored Properties Group Allegiance Realty Associates, LLC Gilda Noyola, Realtor Rhonda Harless Riess

🎓 Competitive Home Lending Scholarship at Texas A&M University - Commerce🎓is aimed at supporting exceptional Management majors.

Competitive Home Lending, fostering education and empowering students to achieve their dreams.

How to Apply:
1. Head to the Texas A&M University-Commerce scholarship portal.
2. Select the Competitive Home Lending Scholarship.
3. Complete the application by January 15, 2024.

&MCommerce

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Despite strong retirement savings, Fidelity Investments' Q3 2023 analysis reveals a surge in hardship withdrawals and 401(k) loans, addressing short-term financial challenges. The silver lining? Retirement balances are on the rise, and savings rates remain steadfast. For those planning retirement, consider suggesting reverse mortgages as a game-changer. They offer an alternative, allowing access to funds without swiftly depleting hard-earned savings.

https://hubs.ly/Q02dSL1S0

Do you want to know if your sprinkler system is watering your lawn as efficiently as possible? Sign up for a FREE sprinkler evaluation from the City of Allen! This service is available to Allen residents with a water utility account in good standing. It provides a valuable, detailed report with recommended changes to help increase efficiency and reduce water waste. Spots are limited to the first 40 residents, so sign up today!

Click on the "FREE Sprinkler Evaluation" button found on our Water Conservation website here: https://bit.ly/3Ap50Y3

🏡✨Thrilled to share that I've had the pleasure of working closely with real estate agent Spring Weeks to make holidays extra special for her clients! 🔑 Our collaboration, powered by Competitive Home Lending's in-house processing, has not only secured a lower mortgage rate for he clients but also paved the way for a seamless and record-time homebuying experience, even with the Christmas and New Year holidays! 🎉🏠

Thank you, Spring Weeks, Realtor at JP & Associates Realtors, for choosing to partner with us! 🙌

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Rates dropping to the 5% range could unfreeze the market, and guess who's ready to thaw it out? We're offering below market rates that hit the sweet spot – perfect for homebuyers! Don't let opportunity melt away, check them out!

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This 'magic number' for mortgage rates will thaw the housing market and allow prices to drop, DoubleLine says Experts have said lower mortgage rates would keep prices high as demand rises, but DoubleLine's Ken Shinoda argues the dynamic isn't so simple.

Competitive Home Lending Prepares Homebuyers for Drastically Lower Rates - https://mailchi.mp/6b5a5a7fac8e/competitive-home-lending-prepares-homebuyers-for-drastically-lower-rates

When it comes to your biggest investment ever, why leave things to chance?

Skip retail lenders and lock-in a WHOLESALE MORTGAGE RATE! Ditch the high-roller prices and deal yourself a winning hand with rates lower than traditional lenders.

• More cash left for upgrades, furniture, or that epic housewarming party!
• Lower monthly payments, freeing up your budget for living like a baller.

No need to bluff your way through the process. We'll guide you every step of the way, ensuring you play your cards right and score that dream home without breaking the bank.

Don't bet on luck, choose Competitive Home Lending! Contact us today and discover how wholesale rates can turn your home loan into a guaranteed win. 214.842.6071

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