Agustin Ochoa - Merit Capital Mortgage

Have extra income each month? Additional principal payments can reduce your total interest and speed up your journey to full homeownership. Curious how this works? Message me to explore your options with my Amortization tool.



https://card.winlocal.com/agustin-ochoa-1

Equal Housing Lender. NMLS 1099087

🏡 Home Update Alert! 📊 Home prices are making headlines, climbing to impressive new levels, with a potential 6-8% growth on the horizon for 2023. 📈 CoreLogic is all about the resilience of our market, and Case-Shiller's optimism is through the roof with their latest findings. 🏡💼

If you're curious about what this means for your home's value, slide into my DMs for a custom report tailored just for you! 🔍✉️

And hey, HOMEBUYERS, don't let the market shifts slow you down—you can still secure yesterday's payment today and reclaim your buying power! 💪 Let's chat and get you home. 🔑



Equal Housing Lender. NMLS 1099087

🚨 Student Loans & Homeownership 🚨

Starting this September, the Fiscal Responsibility Act of 2023 will significantly change federal student loans. These changes will impact both home buyers and homeowners.

The forbearance period for federal student loans is ending soon. 😮 Starting September 1, 2023, student loan interest resumes, and payments are due in October.

To help you navigate this transition, click "Learn More" for an article that explains the upcoming changes, their potential effects, and the steps you can take. Let's tackle this challenge together and stay informed.

Don't let this sneak up on you - stay informed, stay prepared!

https://www.agustin-ochoa.com/presentation/90752

Fiscal Act ’23: Its Effect on Student Loans & Homeownership! Navigating the End of Student Loan Forbearance: A Guide for Homebuyers THE LOOMING CHALLENGE ⛈️ As the federal student loan payment pause introduced by the CARES Act in March 2020 draws to an end on August 29, 2023, many homebuyers may feel a cloud of uncertainty hovering over their dreams. This...

Looking for your dream home can be exciting but also stressful. You want to make the right decision without feeling rushed. However, rising interest rates can make it hard to afford the perfect home. UHM's Lock & Shop program solves this problem with 90-day rate protection, so you can confidently shop without worrying about rate changes. This allows you to take your time exploring neighborhoods and open houses and make informed decisions about your future home. UHM's Lock & Shop program provides peace of mind and financial stability for first-time and experienced homebuyers. Start exploring your dream home today with UHM's Lock & Shop!

Save money with Lock & Shop! Today's Topic: Save money with Lock & Shop! Lock & Shop means worry-free house hunting with a 90-day mortgage rate guarantee. Don't get caught paying more if rates rise.

The road to your new home can have many twists and turns. That's why we want to share our knowledge of what you could expect from the process and be there for you every step of the way! Keep in mind that everyone's journey home may look a little different - that's totally normal. If you have questions today, or anytime during the process, please reach out! 🏡

No credit? No problem! If you don’t currently have traditional credit, we’re here to help. There are options when it comes to home financing that may work for your credit situation. Here are some examples of alternative credit sources that we may be able to utilize for your home loan: Rental Housing Payments, Telephone Service, Insurance Premiums, Childcare Payments, School tuition, and Medical Bill Payments … the list goes on! Reach out today to explore your options!

"We must use time creatively, in the knowledge that the time is always right to do right." - Martin Luther King Jr.

Let today be another reminder to always strive for justice. Happy Martin Luther King Jr. Day!

We don't expect you to speak the mortgage language, but it can be helpful to have an understanding of what is being talked about. You may have heard the term seller concessions recently. Seller concessions are when the seller agrees to pay part of the buyer's closing costs. These concessions allow a borrower to pay less at closing to make buying a home more affordable. Seller concessions can be beneficial to both the buyer and seller as they get what they need out of the home buying/selling process in today's market.

With a new year comes new memories, and I hope those memories last a lifetime. Cheers to the new year and an even better 2023!

The most wonderful time of year is here. 🎁 Wishing you and yours a happy and safe holiday season!

Sure, spring cleaning sounds great. However, in reality, tackling a long home maintenance checklist all at once can be overwhelming. Rather than letting it all add up, what if you tackled home maintenance a little each season? Here are some ideas for taking care of your home during the winter months. 1) Change your furnace filters. 2) Test smoke and carbon monoxide detectors. 3) Check your water softener. 4) Insulate and seal up cracks.

Much like our beloved gingerbread houses during the holidays, the possibilities are endless when it comes to making a space your own with our renovation options! With renovation, your dream home is no longer out of reach. Whether its as simple as changing paint colors or decorative gumdrops, or a bigger project such as a new roof or frosting shingles- you have options when it comes to curating your dream space. Reach out today to get started!

A pre-approval helps you determine how much you may be able to borrow based on your income, monthly expenses, and credit history. It also comes with a few additional benefits that can help you in your home buying journey. Reach out to learn more about pre-approvals and the advantages that come with them!

Equal Housing Lender | NMLS #110139 | A division of Amerifirst Financial Corporation

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Let the gift you give this year be helping a loved one get their dream home for the holidays. 🎁 Recently, gift donor guidelines were updated, expanding the list of options borrowers can accept assistance from. Acceptable gift donors now include a non-relative that shares a familial relationship with the borrower, a relative of a domestic partner, and a godparent. If these new guidelines can help you or anyone you know with financing, please reach out and I can help you get started today!

Here's to our newest homeowner, congratulations and welcome home! 🎉 So thrilled for them - may their new place be filled with wonderful memories from the very first day.

Many first-time homebuyers are for down payment assistance programs. DPAs can help provide the financial boost you need to buy a home months or even years before you could save all of the money on your own. Local and state agencies offer grants and low-interest loans to help buyers achieve homeownership. Reach out to me today to learn about the ones offered near you!

This is not a commitment to lend; not all borrowers will qualify. Equal Housing Lender. NMLS # 110139. A division of Amerifirst Financial Corporation.

When a seller chooses to participate in our program they decide to lock a below-market rate on their property. This is great news for new homebuyers! Interest rates have a major impact on affordability, but with Buyerboost you can take the guesswork of rate predictions and market changes off the table. Reach out for more info on our locked listings in your location!

Equal Housing Lender. NMLS # 110139. A division of Amerifirst Financial Corporation.

We salute the men and women who defend our country. As a qualified VA lender, we are proud to offer loans to help make home ownership a reality for military personnel, veterans, and their families. Some program highlights may include: no down payment, no monthly mortgage insurance (PMI), no cash reserve requirements, and available for purchase, refinance, & renovation. To see if you qualify or for more information, contact us today!

This is not a commitment to lend; not all borrowers will qualify. Equal Housing Lender. NMLS # 110139. A division of Amerifirst Financial Corporation.

Unsure if you need ? Escrow accounts provide for the timely payment of taxes and insurance on your home. This prevents tax liens, loss of property, and any lapse of insurance coverage. Escrow accounts can also help you enjoy more competitive interest rates. To learn more or to get your account set up, please reach out!

Equal Housing Lender. NMLS # 110139. A division of Amerifirst Financial Corporation.

Don't get spooked by rising mortgage rates; now is still a good time to buy! The real scary thing would be missing out on your dream home and spending more money in the long run because you opted to wait. Check out our blog to learn more about this market and your options! https://bit.ly/3znRwds

This is not a commitment to lend; not all borrowers will qualify. Equal Housing Lender. NMLS # 110139. A division of Amerifirst Financial Corporation.

Looking for deals? There might be room to negotiate on these homes in Cerritos, Downey, Lakewood, Lynwood, Norwalk, Pico Rivera, South Gate, and Whittier that have been on the market for more than 60 days.

www.listreports.com

Saving for a down payment can be one of the biggest factors delaying potential homebuyers from deciding to buy instead of continuing to rent. Here are a few ideas to help you save while you are renting: 1) Follow a budget 2) Manage/pay off debt 3) Sell items you no longer need or use 4) Get a second source of income 5) Routinely set aside a percentage of your paycheck & bonuses.

Your dream of homeownership may be closer than you think!
*Not intended as legal or financial advice.

A pre-approval is the first step to learning your financial goals and determining what we can do to help you achieve them. We'll look at your assets, employment, income, and credit to help determine how much you may be able to borrow. Reach out to me to learn more about pre-approvals and the advantages that come with them!

Equal Housing Lender | NMLS #110139 | A division of Amerifirst Financial Corporation