Thea Simolari - Loan Officer

Stats show MANY people have been using their CREDIT CARDS a bit too much.
Cash out refi or reverse mortgage and stop using.

I am now a Licensed Mortgage Officer in NEW HAMPSHIRE too!
Are you moving north? Have any questions about mortgages?

While some had expectations for mid-year rate cuts, the Fed’s stance indicates there may not be adjustments until later in the year. Get the details behind this and more in our latest market update.

https://movement.com/blog/2024/02/a-resilient-economy-rate-cut-expectations

Great condo priced to sell! Contact Helen Tarantino of Shore Road Realty Cityside for a showing- Will not last
I can help you with your mortgage- could be less than paying rent!
OPEN HOUSE SUNDAY 12-2

4925 Washington St 109 Boston MA 02132 West Roxbury condo under $300K! This one bedroom ground floor unit in a professionally managed building features ample cherry cabinets in kitchen, granite countertops & ceramic tile flooring. Kitchen also has a washer (included) & a space for a ventless dryer; both smartly tucked under counters. The...

Happy Valentine’s Day!

Whether you're planning a romantic date, spending time with your loved ones or scheduling some self-care, I wanted to share a Valentine’s card with you — no shoebox required. 💌

Just like you can prepare for running a marathon, you can prepare for your mortgage, too! ⁣
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If you’re thinking of buying a home soon, but aren't sure your credit score is ready, you can actually start monitoring it now. By taking the time to do some research, start saving and prioritizing paying your bills on time, you can push yourself (and your credit score) closer to homeownership! 🥳 ⁣
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Need advice on how to get yourself ready for a mortgage? Reach out to a Movement loan officer today for help! (You got this! ❤️)

Trying to time the market? Recent data suggests that as rates have fallen, home prices in many markets have increased. Find out what you need to know about limited housing inventory and upcoming economic reports in this week’s Market Update.

https://movement.com/blog/2024/02/are-lower-rates-fueling-home-price-increases

Want to hear a secret? 🤫⁣
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The best time to buy is when YOU are ready to buy!⁣
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There’s no special formula to figure out when the market is going to be just right, and THAT’S OK because it’s not a one-size-fits-all situation. It doesn’t matter if your neighbor, cousin or best friend is ready to become a homeowner; it matters if YOU are!
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When you’re ready to take that first step, reach out to a Movement loan officer and start your journey to homeownership! 🤩

Another strong jobs report has made a March rate cut even less likely. But, if the Fed is going to cut rates this year, economists believe they have a limited window to act. Find out how a strong economy and an upcoming election are having an effect on when we may see a rate cut.

Full story: https://movement.com/blog/2024/02/strong-jobs-report-delays-rate-relief

Retirement on your radar?
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You might want to consider a reverse mortgage! Reverse mortgages allow qualified borrowers to tap into their home’s equity so that they can move closer to family, downsize for less maintenance or even upsize to that dream home. 🤩 ⁣
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PLUS, with a Home Equity Conversion Mortgage (HECM) for Purchase, qualified borrowers can buy a new home and get a reverse mortgage, all in ONE transaction! 😮⁣
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If this sounds like the right plan for you, contact a Movement loan officer today!

Many economists believed we would see a rate drop in March, but is a June rate cut now the most likely outcome? Dive into this week’s Market Update to see why an economic “soft landing” could keep rates higher for longer.

https://movement.com/blog/2024/01/a-healthy-economy-may-delay-rate-cuts

Want to make your first payments more attainable? 😅⁣
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Movement offers 3/2/1, 2/1 and 1/0 buydown options to help lock in that lower rate for the duration of the buydown term, which can help make your payments more manageable up front! (It’s like slowly getting into the pool instead of doing a cannonball. 🌊)⁣. Then the full rate will return for the remainder of the years.

Reach out today to learn more!

Is the economy as strong as recent data suggests? See the Fed’s latest statement, navigate the confusing signals and understand what's shaping interest rates in 2024 in this week’s Market Update.

📄: https://movement.com/blog/2024/01/fed-mixed-signals-rate-cute-timing

This may seem like a no-brainer… 🤔
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But really, paying your bills on time can help keep your credit score in good shape. Even small missed payments can affect your score, especially with those pesky late fees. PLUS, keeping up with these payments can help let your lender know you’re responsible. 😉
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Contact a loan officer today to learn more about how to keep your credit score in solid shape!

Will future rate cuts be delayed? The December CPI data may throw cold cold water on some economists' early easing hopes. While the markets react and try to predict the Fed’s next move, you can dive into the details in this week's market update.

https://movement.com/blog/2024/01/december-inflation-higher-than-expected

Not sure about buying a fixer-upper? ⁣
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If you’re looking to avoid the unknowns that can come with buying an older home, new construction might be right for you. PLUS, this can allow you to add a personal touch to your new home! (AKA that unique closet design or spacious bonus room 😮).⁣
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Reach out to a Movement loan officer today if you’re ready to dive into new construction. 👷

Some economists are buzzing about a potential Fed rate cut in March, but is it wishful thinking or the real deal? Dive into the latest Market Update to see what's fueling the optimism, and learn what factors may delay a rate drop.

https://movement.com/blog/2024/01/when-will-we-see-the-first-rate-cut-of-2024

HAPPY NEW YEAR!

It’s hard to believe it’s already 2024. (I JUST got used to writing “2023”.) But a new year means new goals, adventures and fun memories are on the horizon! Whether you’re hoping to reset your workout routine, tackle your travel bucket list or just get through the year in one piece, I hope it’s filled with joy, delight and remembering that it’s 20-TWENTY-FOUR.

There’s truly no place like home for the holidays. Decorating the Christmas tree, ugly sweater parties and cookie exchanges, binge-watching your favorite Christmas movies with mugs full of hot chocolate…the cozy moments you share at home with family and friends are what make this holiday so special.

No matter where home is for you, I hope that you'll be home for Christmas, even if only in your dreams. Merry Christmas!

Don’t make this mistake!⁣
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Holiday shopping can be very tempting, especially with the crazy deals and cozy feelings. BUT you don’t want to max out your credit card buying presents! 🎁

⁣If you’re hoping to buy a house soon, it’s important to keep your credit score in good shape, which includes keeping your credit card balances low.

⁣This doesn’t mean you can’t buy ANYTHING! ('Tis the season, after all.) We're just saying, Future You, AKA Homeowner You, will be grateful if you shop in moderation. 😉

Let us save you from bad advice. 🙅 ⁣
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Just because you’re downsizing doesn’t mean you’re downgrading!

Whether you’re an empty nester who doesn’t need five bedrooms, or you just want less square footage to clean, downsizing can be a great option. A home that’s just the right size for you means LESS upkeep and MORE time and money to spend on other things (i.e. hobbies, travel or anything you want 🤩)! ⁣
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Reach out to a Movement loan officer today to discover more perks of downsizing!

Markets are already reacting as the latest jobs report numbers have come in stronger than many economists anticipated. Will this data be enough to maintain the Federal Reserve’s stance that rates should remain “higher for longer?” Find out what you need to know in this week’s Market Update.

https://movement.com/blog/2023/12/latest-jobs-report-comes-in-stronger-than-expected

A home warranty is NOT the same as home insurance! 🚫⁣
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We know they sound similar, but they actually cover different things. A home WARRANTY covers the normal wear and tear of the appliances and systems in your home. Home INSURANCE protects your home from unexpected damages or natural disasters. ⁣
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Reach out to a loan officer today to learn more about what you need to make sure your home is covered! 🏡

Rate cuts could be on the horizon in 2024 if recent comments from prominent Fed members are to be believed.

Read this week’s market update to see what the latest economic data is telling the Fed.

https://movement.com/blog/2023/12/are-rate-cuts-coming-in-2024

Want the freedom to customize? Check out new construction! 👷

If you’ve been looking at homes but haven't found THE ONE, a new-construction home might be a great option. Choose everything from your ideal floor plan to your dream kitchen countertops. ⁣

While not EVERYTHING is customizable (you MIGHT not find a builder willing to put an in-ground pool in your living room...not that we know from experience...👀) new construction is a chance for your personal style to shine from the moment you move home.

Thanksgiving is a time to reflect on what we’re thankful for. And on Thanksgiving Day, there are 3 things at the top of the gratitude list: Family, friends and food. Whether you’re gathered around the table, celebrating Friendsgiving or filling your plate to the brim, I hope you have a wonderful Thanksgiving!

Let’s talk about VA loans.

They provide qualifying borrowers with some perks and benefits that can make homeownership more attainable. BUT VA loans MUST be used for primary residences.

These loans help veterans and active duty service members find the perfect place to call home.

If you think you may qualify, reach out to a Movement loan officer to learn more!

The US economy is yet again showing signs of slowing down, which economists believe could be good news for rates. But, the Fed has cautioned they will keep a close eye on future data before making any decisions about interest rates. Read our full update to get the latest insights.

https://movement.com/blog/2023/11/despite-easing-inflation-fed-governors-caution-aga

Did you know VA loans come packed with mortgage savings for qualified borrowers?

VA loans offer perks and benefits for veterans and active duty service members that go above and beyond what everyone else can get their hands on. One MAJOR perk? VA loans typically don’t require down payments!

If you think you might be eligible for a VA loan and want to learn more about how you can potentially get into a new home FASTER and with fewer hurdles, reach out to a Movement loan officer today!

It’s an honor to serve those who have served us. Today is a reminder of our veterans’ incredible courage