Cal Russell, Branch Manager, Mortgage Loan Originator

Need some good news? According to a recent report by Realtor.com, there are now 35.5% more homes on the market than this time last year. Need some even better news?! There’s a rising number of AFFORDABLE homes hitting the market. Read here: https://www.cmghomeloans.com/mysite/cal-russell/blog/glimmers-of-hope-for-home-buyers-arise-as-inventory-inches-up-2024-06-21

Being a homeowner comes with a number of perks and financial benefits; one of which is home equity. Home equity is the difference between the amount you owe on a mortgage and what the home is worth. Do you know how to make the most of your home equity? Scroll through➡️

When was the last time you changed your air filter? Generally, most air filter manufacturers and HVAC companies recommend changing your air filter every 90 days, or 3 months. Changing your filter can improve home air quality and energy efficiency, as well as providing you with better temperature control

Want to keep cool without sweating the electric bill? Scroll through for 5 tips to cool your home without breaking the bank 🧊😎

No W-2? Don't sweat it! 😅 We have exclusive loan programs to help you slide into homeownership this summer. Ask me about our non-QM solutions!

What’s new in market news? Yesterday, the consumer price index (CPI) revealed that inflation levels in May were lower than expected. As a result, mortgage rates trended downward. Read here: http://spr.ly/61865qcIk

As we celebrate National Homeownership Month, are you ready to purchase your first home? Ask yourself these 5 questions to determine if you're ready to break up with your landlord!

Looking for that sweet spot between staying cool and keeping your energy bill low? Experts recommend setting your thermostat to 78°F in the summer months

Ready to make a splash this summer? List & Lock™ can help you sell faster without lifting a finger. Plus, with our new List & Lock & Save program, you can save up to $5,000 in closing costs when you finance your next home purchase with CMG. Ask me how our List & Lock advantage can help you dive into savings!

Did you know? Approximately one third of young home buyers plan to use retirement savings to buy a house. Instead of tapping into your 401(k), consider these alternatives: http://spr.ly/61835GNcd

Exciting news for home buyers! The Department of Housing and Urban Development (HUD) has updated its gift fund guidelines, adding MORE flexibility on FHA Loans. Here’s how this can benefit home buyers like you: http://spr.ly/618758KEf

Do you have a pool in your backyard? Or, are you looking to buy a home with a pool? Here are some tips to help your summer go swimmingly 🏊‍♀️

Should you get preapproved BEFORE you start looking at homes for sale? YES! A mortgage preapproval uses your verified credit score, income documentation, bank statements, and employment verification to approve you, as a buyer, to purchase a home. Your preapproval lets you know how much you can afford, so you don't get your heart set on a home that's out of your budget.

Though rates started off last week by inching higher, they started to trend lower toward the end of the week as a result from some rate-friendly economic data. Here’s how this week holds the potential to continue to lower rate trend: http://spr.ly/6188e0gRI

When is the best time of year to buy a home? Fall, winter, spring, or right now? Here’s what you need to know about the timing of your home purchase: http://spr.ly/6186eoCQk

Your dream home, just the way you want it. One application, one loan, one closing. Ask me about the All In One™ Construction Loan!

Financial independence is a dream for most of us, and homeownership is a key tool to get there. Homeownership means freedom from a landlord, freedom from design that you didn’t choose, and freedom from rent that gives you no equity.

Where do you see yourself 5 days from now? 🤔 With our 5-day HELOC, you can access up to $400,000 in in as little as 5 days. Want to learn more? Contact me today!

We take a moment to remember our men and women of the US Armed Forces who have lost their lives to keep us free. Our respect and gratitude goes to all members who have served our great nation! We live in the home of the free, because of the brave 🇺🇸

If you’re in the military, getting new orders that require a move is not uncommon. Follow these four tips for a quick and efficient military move http://spr.ly/6187e8b8x

BREAKING NEWS: The Department of Veteran Affairs (VA) announced Tuesday that it plans to temporarily loosen policy restrictions in order to allow VA buyers to directly compensate their agents. As this circular is set to be issued between now and June 12, here’s how this change can help VA-eligible buyers achieve their dreams of homeownership: http://spr.ly/6180dAhlk

While waiting for your loan to close, don't switch jobs or quit your current job. Lenders like to see job stability, so a change in employment could hold up the loan process or jeopardize it altogether. If you're looking to make career moves, wait until after closing day!

Ready for an upgrade? Turn the house you LIKE into the home you LOVE with a Renovation Loan. Give me a call today!

How much will you save when rates drop? According to this Shark Tank expert, waiting for rates to fall might not save you money. Here’s what you need to know: http://spr.ly/6183dTTzd

Need some good news? This morning, the consumer price index (CPI) for the month of April came in lower than expected. How will this data impact mortgage rates? Here’s what you need to know: http://spr.ly/6182dMb2w

When you put down less than 20% on your Conventional Loan, your lender will require you to pay Private Mortgage Insurance, also known as . Luckily, this additional cost won't last forever. Once you reach 22% equity, your lender will automatically cancel your PMI.

What mortgage myths are you still believing? Many times, home buyers will doubt they can qualify for a home loan based on misinformation. There are many misconceptions in the modern market, but I'm here to set the record straight.

What would you do with an extra $206,000? According to the Intercontinental Exchange (ICE), that’s the average amount of tappable equity American homeowners have. Do you know how to access your home equity without losing your current mortgage rate? Read here: http://spr.ly/6186jtyoQ

How can you streamline your home search and position yourself as a strong and reliable buyer? One word: PREAPPROVAL! Are you ready to take the first step towards homeownership? Give me a call!