Ben Thacker at Home Access Financial

🏡 First-Time Home Buyer Tip 🏡
Don't skip the home inspection! 🛠️ It can save you from unexpected costly repairs down the road after closing. A thorough inspection helps you understand the true condition of your potential new home and gives you peace of mind. 🌟

💡 Considering a larger down payment on your new home? Here are some compelling reasons why it might be a smart move! 🏠💰

1️⃣ Lower Monthly Mortgage Payments:
A bigger down payment reduces the amount you need to borrow, resulting in more manageable monthly payments.

2️⃣ Avoid Paying Mortgage Insurance:
Put down 20% or more, and you can bypass the added cost of private mortgage insurance (PMI).

3️⃣ Better Interest Rates:
Lenders often offer more favorable interest rates to borrowers with a larger down payment, saving you money over the life of the loan.

4️⃣ Smaller Loan Balance:
With a larger down payment, you’ll owe less overall, making it easier to build equity in your home faster.

5️⃣ Stand Out with a Competitive Offer:
Sellers often favor buyers with larger down payments, giving you an edge in a competitive housing market.

Make your home-buying journey smoother and more affordable with a larger down payment! At Home Access Financial, we’re here to guide you every step of the way. 🏡✨

🏡 In the home shopping step of your homebuying process? Make sure to keep an eye out for these red flags that could indicate potential issues:

🚩 Water Stains: These could signal leaks or water damage. Check ceilings and walls carefully.

🚩 Cracks: Cracks in the walls or foundation can be a sign of structural problems. Don’t ignore them!

🚩 Doors that Won't Close: This could indicate settling issues or foundation problems.

🚩 Old HVAC: An outdated HVAC system may lead to costly repairs or replacements. Ask about its age and maintenance history.

🚩 Random Fresh Paint: Fresh paint in one area might be covering up mold, water damage, or other issues.

🚩 Pests: Signs of pests like droppings or gnaw marks can point to an infestation. Be vigilant during your walkthrough.

🚩 Bad Odor: Unpleasant smells can be a sign of mold, mildew, or even plumbing issues. Don’t ignore your nose!

Stay informed and vigilant to avoid costly surprises, and don't be afraid to reach out to your loan officer with any questions you may have!

Building equity in your home is a smart financial move that can pay off in the long run. Here are some effective strategies to help you increase your home equity:

🔹 Increase Your Down Payment: Starting with a larger down payment reduces your loan amount and boosts your initial equity.

🔹 Make Bigger and/or Additional Mortgage Payments: Paying more than the minimum each month or making extra payments can significantly reduce your principal balance faster.

🔹 Refinance and Shorten Your Mortgage Loan Term: Refinancing to a shorter-term loan can help you pay off your mortgage quicker, building equity faster.

🔹 Wait for the Value of Your Home to Increase: Sometimes, the best strategy is patience. As the real estate market appreciates, so does your home’s value and your equity.

Start taking these steps today to watch your home equity grow! 🏡✨

Our seasoned team of mortgage professionals doesn't rely on four-leaf clovers when it comes to navigating the world of mortgages; it's skill, knowledge, and a bit of mortgage magic that lead the way to success.

At Home Access Financial, we believe that finding the right mortgage for our clients is no lucky chance - it's a commitment to excellence and personalized service.

☘️Just like each shamrock leaf is unique, so is every homeowner's journey. We tailor mortgage solutions that fit your personal needs and financial situation perfectly. Our goal is to provide you with a seamless, transparent, and efficient mortgage process from start to finish.

🌈This St. Patrick's Day, let the only thing left to chance be whether you'll find a four-leaf clover in your backyard. For everything else, especially your mortgage needs, rely on Home Access Financial. 🏡💚

Did you know that there were FEWER mortgage transactions completed in 2023 than after the Mortgage crash in 2008??🤯

👉On December 31, 2023, approximately 319,000 licensed Loan Officers completed at least one loan during the year.
👉As of February 1, 2024, approximately 123,000 licensed Loan Officers completed a loan in the prior 90-day period.

That's an attrition rate of 61% in LESS than 1 year! 😱

🌟 But here's our silver lining in these turbulent times – Home Access Financial stands strong amidst the storm. We are very happy to say that we aren't going anywhere! We are committed to being your preferred lender for many years to come, in good times and bad.

Ben Thacker at Home Access Financial updated their address.

Ben Thacker at Home Access Financial updated their website address.

5.0 star review received on Experience.com for Benjamin Thacker by Morgan J. - The whole team was awesome from start to finish! They helped me understand the process and made the process very easy.

New ★★★★★ 5 Star Experience.com Review by Morgan J Click to see all 119 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

5.0 star review received on Experience.com for Benjamin Thacker by Robin N. - Ben and his team kept in constant communication with me

New ★★★★★ 5 Star Experience.com Review by Robin N Click to see all 118 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

5.0 star review received on Experience.com for Benjamin Thacker by Jessica B. - Ben was amazing to work with as he truly kept our clients best interest at heart

New ★★★★★ 5 Star Experience.com Review by Jessica B Click to see all 117 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

5.0 star review received on Experience.com for Benjamin Thacker by Pam Powlesland for Helen H. - Great communication

New ★★★★★ 5 Star Experience.com Review by Pam Powlesland for Helen H Click to see all 116 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

5.0 star review received on Experience.com for Benjamin Thacker by Gregg C. - Mr. Thacker helped us through the process of being first time homebuyers. He was very knowledgeable and put us at ease when we were stressed. He was calming and positive. He worked miracles for us. He is very trustworthy and he’s very professional. We highly recommend Mr. Thacker with any needs you may have with the lending process.

New ★★★★★ 5 Star Experience.com Review by Gregg C Click to see all 115 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

5.0 star review received on Experience.com for Benjamin Thacker by Jewel W. - Ben is always a great adviser to work with! We really trust his advise with the biggest investment of our lives. Thank you so much Ben!

New ★★★★★ 5 Star Experience.com Review by Jewel W Click to see all 114 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

5.0 star review received on Experience.com for Benjamin Thacker by Lea M. - The Team stayed on top of the clients request and followed through to completion.

New ★★★★★ 5 Star Experience.com Review by Lea M. Click to see all 110 reviews of Benjamin Thacker,
Branch Manager | NMLS # 1140317

"To say that working with On Q on the purchase of my new home was AMAZING, is an understatement. Dare I say this, but Ben was a friend to me from the beginning - he wouldn't let me buy until I was ready. He provided much needed advice to address the issues on my credit report, and was patient while I addressed them. Every time I had a question, he took the time to answer - and there were a lot of them! His team was just as.." says Sophia

Ben Thacker | Alpharetta, GA ★★★★★ To say that working with On Q on the purchase of my new home was AMAZING, is an understatement. Dare I say this, but Ben was a friend to me from the beginning - he wouldn't let me buy until I was ready. He provided much needed advice to address the issues on my credit report, and was...

Thank you to all our clients and supporters, as our Woodstock, GA branch was able to help over 110 families with their home purchase or refinance needs.

"Best in the Business!!!" says Karen

Ben Thacker | Alpharetta, GA ★★★★★ Best in the Business!!!

"Excellent experience!" says Bryan

Ben Thacker | Alpharetta, GA ★★★★★ Excellent experience!

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"Ben was fast, responsive, and answered any questions I had. He got me an incredible interest rate and finished the loan process incredibly fast!" says Clayton

Ben Thacker | Alpharetta, GA ★★★★★ Ben was fast, responsive, and answered any questions I had. He got me an incredible interest rate and finished the loan process incredibly fast!

"Ben has always done a wonderful job. I so much appreciate his ability to get me to the closing table on time and his ability to explain things to my clients. Thanks Ben" says Phyllis

Ben Thacker | Alpharetta, GA ★★★★★ Ben has always done a wonderful job. I so much appreciate his ability to get me to the closing table on time and his ability to explain things to my clients. Thanks Ben

"Ben and his team made our loan process quick and easy. They effectively communicated with all parties and facilitated our closing in a three week period! The Simplicity Q app made uploading documents simple and convenient. We felt like Ben got us the best rate for our loan and went above and beyond to guide us through the process." says Andrew

Ben Thacker | Alpharetta, GA ★★★★★ Ben and his team made our loan process quick and easy. They effectively communicated with all parties and facilitated our closing in a three week period! The Simplicity Q app made uploading documents simple and convenient. We felt like Ben got us the best rate for our loan and went a...

"Ben and his team are great. I had a tight closing window and Ben was able to get it done on time. I would highly recommend." says Mark

Ben Thacker | Alpharetta, GA ★★★★★ Ben and his team are great. I had a tight closing window and Ben was able to get it done on time. I would highly recommend.

"Ben Thacker and the team from On Q Financial were great! They had great communication and were very helpful. I would recommend them to anybody looking for a home loan or looking to refinance." says Jeffrey

Ben Thacker | Alpharetta, GA ★★★★★ Ben Thacker and the team from On Q Financial were great! They had great communication and were very helpful. I would recommend them to anybody looking for a home loan or looking to refinance.

"Great experience and easy process with Ben and his team!" says James

Ben Thacker | Alpharetta, GA ★★★★★ Great experience and easy process with Ben and his team!