Hilz Home Loans - NMLS # 2146450

Decided to do another thing, got my real estate license, for all your home needs through mortgages or through real estate I’m a one stop shop

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Working with the right team makes all the difference in the world! An issue arose in a file that no one could see coming. Most would have probably said the file was dead and no solution. When you work with a team of problem solvers in 4 hours and all hands on deck we navigated a solution for this client.

Closing Friday!

This message right here is exactly why I got into home loans.

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Couldn’t make it to closing today I’m sick as a dog

🏡✨ Incredible Success Story: From Frustration to Joy! ✨🏡

Meet Mr. and Mrs. Rogers, who faced a year of frustration with their former lender while trying to buy their dream home. When they turned to Hilz Home Loans - NMLS # 2146450, everything changed. In just 45 days, with the help of a top-notch realtor Kevin Brown, they secured approval and got from ratified contract to close in 18 days. Now, they're stepping into their dream home.

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We lend in CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

Final mortgage closing of 2023 in the books!

Imran congratulations on your new home! May each room be filled with laughter, and every corner hold cherished memories. Wishing you a lifetime of happiness in your beautiful new abode.

Huge shoutout to Tony Fulco for introducing us, and entrusting my team and I to get this done as fast as it needed to.

Always an absolute pleasure working with David Abel Juárez for the title work!

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We lend in CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

Closing 1/2

My repeat client buying his 2nd home down in FL had to make me jealous of the weather and the view!

Thank you for entrusting myself and my team on your 1st & 2nd home purchase.

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Closing 2/2

My soon-to-be brother in law and his girlfriend on the purchase of their first home! So proud of seeing how much they have grown up and now achieve such a massive milestone so early in life. Couldn’t be any more proud of them!

Great day at Annapolis Boat show.

Always love running into my favrorite insurance company

Real estate has proven itself a winner with 73 years of appreciation, 7 years with limited reductions, and 1 flat year since 1942 🏡 💰

And what are the expectations for this year?

8% Appreciation!

Average price of a home in Anne Arundel County $533,000

That’s $42,640!!

Don’t wait on the sidelines, join the winning team!

Maryland Mortgage Program Update!

Act quickly! Your opportunity to buy a home and get $40,000 of your Student Loans paid ends now.

Starting October 2nd, MMP will only offer a maximum of $20,000 in student loan payoff.

My team and I are at your service to address any questions, comments, or concerns you may have!

Please do not hesitate to reach out at any time!

Cell: 443-510-0923
Email: [email protected]
Website: www.Umafi.com/Justin

Another 5 star review on this

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We lend in CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

Congratulations to our wonderful VA client wishing you a lifetime of happiness if your home.

Thank you for trusting Nakia & I to assist you during your home search.

I love serving our veterans.

Veteran or not I look forward to serving anyone looking to buy a home whether it’s your first house or your 5th.

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We lend in CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

Grateful for Dominique’s kind words! 🙏

Making the home-buying process simple and enjoyable is always my goal.

Your trust and openness made it a pleasure to work together.

Thank you for the fantastic review!

Congratulations to the newest homeowner in DC.

Did you know we offer programs for self employed borrowers?

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We lend in CA, CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

🎉 Congratulations on your first home! 🏡✨

Wishing you endless joy, beautiful memories, and a lifetime of happiness in your new place. Cheers to this exciting milestone! 🥂🎊

June is National Homeownership Month, and it’s a perfect time to think about all the benefits that come with owning your home.

Owning a home not only makes you feel proud and accomplished, but it’s also a big step toward having a secure and stable financial future.

Are you ready to enjoy all the amazing advantages that come with owning a home? Get in touch with a local mortgage lender to start the process today.

Reasons To Own Your Home [INFOGRAPHIC] June is National Homeownership Month, and it’s a perfect time to think about all the benefits that come with owning your home.

Don’t let headlines about the latest decision from the Fed confuse you.

Where mortgage rates go from here depends on what happens with inflation.

If inflation cools, mortgage rates should tick down as a result.

Lean on us, your trusted mortgage professionals so you have expert insights on housing market changes and what they mean for you.

The Impact of Inflation on Mortgage Rates If you’re reading headlines about inflation or mortgage rates, you may see something about the recent decision from the Federal Reserve.

Network equals networth! Had an amazing time at a networking event today, connecting with fellow professionals and learning so much. It's always inspiring to see people pursuing their passions and achieving their goals. Remember, your network is your net worth - keep building those relationships!

Always appreciate for his help in establishing myself and growing in a very competitive industry.

To one of the top realtors I’ve had the privilege of working and growing with 💪🏼😃

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Hey friends! It's been a crazy busy week, but I'm ready to tackle an even busier weekend! One thing that's been keeping me going is the fact that my company and I have brought in a marketing company to help realtors grow their business with no cost to them! If you want more information on how we can help you , just shoot me a DM!

Feeling so grateful to have been invited to the Maryland Mortgage program's award ceremony! Thank you for the amazing opportunity to celebrate the incredible achievements of Maryland's housing industry 🎉🏡

Attention all! 📣 As a mortgage loan officer, I have the pleasure of working with many amazing clients, but today I want to take a moment to celebrate two very special people in my life.

I want to extend my warmest congratulations to my dear mother & her husband on their recent home purchase! 🎉🎊🏡 It was an absolute pleasure to work with you both.

I wish you all the best in your new home and look forward to many happy memories there.

As a mortgage loan officer, there is no greater joy than helping clients achieve their homeownership dreams. Angie Irwin & John Engel - congratulations on your new homes, and thank you for allowing me to be a part of this exciting chapter in your lives! 🏡❤️

Thank you to the incredible Marissa Henn for her perseverance and hard work navigating this market.

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🚨Wait! Did FHA just Announce a 40 Year mortgage for FHA Loans starting May 8, 2023?🤔

🛑NO! They did NOT!

FHA is allowing for Loan Modifications to 40 year terms only to match what Fannie and Freddie already allow for loan modifications.

If you see a Real Estate Agent or Lender posting that you can get a 40 year mortgage for purchase or refinance with a FHA loan, please run away from them as they are NOT offering you accurate advice.

If you have questions about purchasing or refinancing, please give me a call at 443-510-0923 or DM Me.

Feeling grateful and blessed to have received this amazing 5-star review from a valued client! Thank you for trusting us with your needs and for taking the time to share your positive experience. We strive to exceed expectations and your feedback means the world to us! 🙏🏻

It's essential to plan for closing costs when considering buying a home.

These costs usually range from 2% to 5% of the total purchase price and may consist of government recording expenses, appraisal fees, and other related fees.

To better understand the home buying process, it's wise to collaborate with a trusted local mortgage lender who can provide insights and answers to your questions.

We lend in CA, CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

Facts About Closing Costs [INFOGRAPHIC] If you’re thinking about buying a home, be sure to plan for closing costs.Closing costs are typically 2% to 5% of the total purchase price of a home, and they can include things like government recording costs, appraisal fees, and more.

A lot of people expected prices would crash this year thanks to low buyer demand, but that isn’t happening. Why? There aren’t enough homes for sale. If you’re thinking about moving this spring, partner with us your trusted local mortgage lender.

We lend in CA, CO, DE, DC, FL, GA, MD, NV, NC, SC, PA, TN, TX, VA

Why Aren’t Home Prices Crashing? There have been a lot of shifts in the housing market recently.

As a mortgage lender, I can confidently say that homeownership is a truly transformative experience, no matter your background or circumstance. It's a chance to put down roots, build wealth, and create a sense of stability and pride that can't be found anywhere else. But, finding the right home and navigating the real estate market can be daunting, which is why I highly recommend working with a knowledgeable local real estate agent who can help guide you through the process. They'll take the time to understand your unique goals and needs, and work tirelessly to make your homeownership dreams a reality. Don't wait another day to start this life-changing journey - let's connect today!

How Homeownership Is Life Changing for Many Women Throughout Women’s History Month, we reflect on the impact women have in our lives, and that includes impact on the housing market. 

According to industry experts, although there may be a slight depreciation in home values this year, they are expected to appreciate over the next five years. As a mortgage professional, I advise that if you're prepared to become a homeowner, buying a home now could position you for long-term success as property values (and subsequently, your own net worth) are projected to rise. To get started with the homebuying process, I recommend partnering with myself your trusted local mortgage professional who can guide you through the process.

Why Buying a Home Is a Sound Decision If you’re thinking about buying a home, you want to know the decision will be a good one. 

If you're currently in the market for a home, it might be beneficial to consider including condominiums in your search. To explore the available options in your area, get in touch with us today so we can assist you with your mortgage needs.

Reasons To Consider Condos in Your Home Search Are you having trouble finding a home that fits your needs and your budget? 

https://themortgagereports.com/82828/maryland-first-time-home-buyer-programs-grants

First time home buyer in Maryland? Here are a few of your options DM me for more information today!

Maryland First-Time Home Buyer | 2023 Programs and Grants Everything you need to know as a Maryland first-time home buyer, from home prices to loan options and grant programs.

Reach out to us to make the most informed decision about your next move.

What’s Ahead for Home Prices in 2023 Over the past year, home prices have been a widely debated topic. 

If you’re looking at home this weekend and can’t get a hold of your bank or loan officer. Give me a call! I’ll be available all weekend!

Who you work with matters!

The second largest US bank failures explained in 2.5 minutes…

SVB (Silicon Valley Bank) was THE niche lender for many tech start-ups globally and known for offering benefits, perks, savvy, and speed to entrepreneurs (more so than banks like Chase)

A few weeks ago, SVB issued their Q1 2023 Investor Letter (publicly available), and in that letter, they stated the need to beef up their balance sheet and raise $2B in capital.

Moody’s, which is like credit reporting for companies, downgraded SVB rating to negative from stable.
Bill Ackman, a highly regarded Billionaire investor tweeted that SVB could fail and need a bailout.

This sparked a “bank run” where many customers (entrepreneurs) requested deposit withdrawals and the SVB stock dropped 60%.

Most banks keep a 90% LDR (loan-to-deposit ratio): the bank lends $100, and must keep $10 in reserves.

So in a case like that of SVB whose niche clientele (startups) are already feeling the pinch of higher rates and a slowdown, having a bank run of deposits well over what a bank keeps in reserves, is not feasible (super layman’s explanation)

Long story longer: many other niche lenders across the country (First Republic, Signature Bank, Western Alliance) started to see their stock prices fall off a cliff too from spooked investors.

However, almost all the nation’s largest banks have shown minor effect from all this.

The government has stepped in to save SVB (time will tell if taxpayer money will be used) and is shopping SVB to other bidders in an auction.

There is no doubt that dropping rates to historic lows (too low) during the pandemic and aggressively raising rates post-pandemic (too high) is causing lots of issues.

The Fed is in a conundrum between continuing to fight inflation by increasing rates or bringing rates down to calm the market down.

Regardless, the failure of SVB was very nuanced and the mainstream media needs to calm down.
Oh and…

SVB CEO sold $3.6M in personal stock holdings 15 days before the collapse
SVB CFO sold $575k in personal stock holdings 10 days before the collapse
SVB CRO resigned in April 2022, leaving SVB w/o a Chief Risk Officer for 9 months

PS: all this is good for mortgage rates, especially adjustable-rate mortgages