Josh Brawer - Vellum Mortgage

Have a client buying a $700K home - the out-of-pocket difference from 10% - 20% down is $69K, and the payment difference is $526\month. Keeping that $69K makes up for 131 months of the payment difference + piece of mind + earning 4%+ interest risk-free + bigger tax write-off on mortgage interest. Not saying that this is the best option for everyone, but knowing your options is incredibly important before making such a big purchase!

The difference between working with a mortgage advisor and a salesperson...

Down Payment Assistance funds can run out, and run out quickly! This makes it important to have multiple programs, assistance opportunities, and low down-payment options for clients who are ready to buy, but need that extra help with their out-of-pocket to make it work.

Reach out to learn more about the programs available to you!

Check out this awesome Medford Lakes home coming to market soon! Only so many opportunities to get into this town at this price point, especially with so many upgrades! Reach out to me or Susan Huckaby to learn more!

128 Apache Trl, Medford Lakes, NJ 08055 - 3 beds/1 bath (BRIGHT MLS) For Sale: 3 beds, 1 bath ∙ 1232 sq. ft. ∙ 128 Apache Trl, Medford Lakes, NJ 08055 ∙ $357,900 ∙ MLS # NJBL2058442 ∙ Coming Soon: Start your New Year with this warm & cozy ranch home in the hear...

This is not what I thought 1/2 bath meant 🤣.

That's a small bathroom 😂😂😂

Daytona Beach vacation homes? Yeah, we do that too! I mean, who doesn't want to be warm all year round??

Buying a second home does not have to be complicated - so many people who don't think they qualify actually do!

So reach out now to make those warm weather dreams come true!

What are your 2024 money resolutions? I'll start - I want to review all of my accounts at least monthly to make sure I truly understand how my money is working for me!

Did you break your New Year's money resolutions already? Here are some tips to make them stick Many people resolve to save more, spend less or get out of debt. Breaking these goals down into smaller steps can help you stay on track, experts say.

Unlocking Opportunities with DSCR Loans!

Are you a real estate investor looking to fuel growth or someone eyeing that next lucrative property? Consider the game-changing advantages of Debt Service Coverage Ratio (DSCR) loans!

In some scenarios, you can borrow up to 85% LTV on a purchase, or with higher down payments not even have to worry about the coverage ratios!

With minimal documentation requirements, these can be incredibly easy loans to build your real estate portfolios!

How do you feel about log cabins? Because this one is amazing - on a gorgeous lake, beautiful landscaping, and even an Endless Pool Swim Spa! Reach out for more info!

283 Chicagami Trail, Medford Lakes, NJ 08055 | Compass 283 Chicagami Trail, Medford Lakes, NJ 08055 is a single family home listed for sale at $1,500,000. This is a 5-bed, 4-bath, 3,398 sqft property.

Let's talk about the not-so-friendly neighborhood of Trigger Leads. 🤯🚨 These sneaky creatures are like mosquitoes in the world of home loans, buzzing around and causing some serious irritation! 🦟🏡

😡 Annoyance #1: Unwanted Intrusion
Ever received a call right after expressing interest in a mortgage? Yep, that's Trigger Leads at play! 📞😤 It's like they have a sixth sense for your financial aspirations and swoop in uninvited. 🤷‍♂️ Can we get some privacy, please?

😩 Annoyance #2: Information Overload
Trigger Leads flood your inbox with emails, bombard your phone with calls, and basically turn your life into a constant mortgage-related notification center. 📬📱 It's overwhelming and feels like a never-ending sales pitch. We just wanted a home, not a full-time commitment!

🤔 Annoyance #3: Lack of Control
You're not in the driver's seat when it comes to Trigger Leads. Your personal information gets passed around like a hot potato, and suddenly, you're bombarded by various lenders you never signed up for. 🥔🔄 It's time for consumers to regain control of their mortgage journey!

👊 Taking a Stand!: There is a solution - swipe through these slides and learn how to opt-out, or give me a call any time to help you through the process - and take your privacy back!

🏡✨ Gratitude Abounds! ✨🏡

Today, I'm overwhelmed with gratitude and joy as I share a heartfelt review from one of our cherished clients. 🙌🌟 There's something truly special about being part of someone's homeownership journey, and your kind words mean the world to us.

🌈 "A huge shoutout to Danielle for their wonderful review! 🙏 Being your Mortgage Loan Officer has been an absolute pleasure, and I'm beyond grateful for your trust. Your satisfaction is our top priority, and your words remind us why we love what we do. Thank you for allowing us to be a part of your journey home! 🏡💙 "

To all our amazing clients, thank you for choosing us to be part of your story. Your satisfaction is our greatest reward, and we're committed to ensuring your homeownership dreams become a reality. 🚀💼