Tiffany Turner Mortgage Loan Originator, NMLS #68555

Trev Swint congrats to your buyer! Thank you Robert Land for processing this one so quickly!! Who is next to purchase a home???

OPEN HOUSE TODAY FROM 3-6. COME ON OUT AND TOUR THESE BEAUTIFUL HOMES.. ONLY 4 LEFT! HOPE TO SEE YOU TODAY

Have you been wondering if it may be your time to downsize your home? If you are not sure, here are some good indicators it may be your time!

1. You are retiring soon or already retired
2. You are overwhelmed with the current up-keep of your home
3. You have un-used rooms and space throughout your house
4. You are making a lifestyle change
5. You have some financial troubles and would like to take advantage of your equity
6. You have major profit potential in selling your home

These are all solid indicators that it may be your time to downsize! If you are ready to take that step and need a lender, fill out my application link below! I would love to walk alongside you in this process!

https://mtgpro.co/dr/c/m3bxu

It is commonly thought that closing costs are covered by your down payment. This is not true!

Closing costs are the fees associated with the purchase of your home. These fees can include lender fees, appraisal, and title insurance, among others! Closing costs can be about 3%-6% of the total balance of your loan. Therefore, when you are saving to buy a house, make sure you save for closing costs AND your down payment!

If you have any questions on this topic, I would be happy to help! If you would like me to run your specific scenario, please fill out my application link below and I will be in contact!

https://mtgpro.co/dr/c/m3bxu

USDA is a single-family housing loan that is backed by the government! This program was created with the intention that many individuals that had a hard time saving up to buy a home before, would now be able to through this program. This program was specifically created to help rural communities by making homes more affordable! The USDA loan program has many benefits such as:

1. 100% financing: The government allows 100% financing as a way to help develop and expand rural locations in the US. With this mortgage, sellers are able to contribute more (up to 6%) towards the buyer’s closing costs resulting in the buyers having to bring very little to no cash to close!
2. Simple loan qualification: Getting qualified for this loan type is usually quite simple and pre-approvals are typically able to be processed within minutes!
3. No savings requirements: With other loan programs, it is common that borrowers are required to have a certain amount of money in savings. With this program, they do not have to have this certain amount of money in savings to be approved! This loan also allows borrowers to receive gift funds if they do choose to put money down or to help with closing expenses!
4. Secure interest: With the USDA loan program, individuals can get a 30-year fixed interest rate. This will guarantee your interest rate remains the same throughout the duration of the loan.
5. Lower mortgage insurance: USDA mortgage insurance and guarantee fee costs are almost half the amount of other loans. This will provide significant monthly savings!

If this is a loan type you would like to explore, I am here to help! Just fill out my application link below and I will reach out before pulling any credit!

https://mtgpro.co/dr/c/m3bxu

It is very common for individuals to have credit cards, but not know how to utilize them correctly. Here are some things to stay away from when using your credit card!

1. Purchases you can’t afford: A credit card should be there as a tool to build your credit as well as something that is there in case of emergency. Therefore, it is good practice to stay away from purchases in everyday life that you wouldn’t be able to afford with cash.
2. Purchasing without repayment plan: This point goes hand and hand with the point above! It is good practice to make sure you have the cash to repay your credit card or have a solid plan on how you will pay it off if not!
3. Maxing out: This one may seem obvious, but there are many out there that do not know maxing out your credit card will negatively affect your credit score.
4. Benefits: Tons of credit cards now have so many benefits to offer when you use them. This can be in the form of cashback, statement credits, points to go towards traveling, etc. Make sure you are well aware of all the benefits your card has to offer and use them!
5. Closing out an old card for no reason: This one may seem odd! It is commonly thought that if you have multiple cards and you don’t use an old one it would be better to close that one out. This is not the case! Closing out old cards can result in you having less credit history which will lead to a drop in your credit score!

Take these tips and implement them into your credit card practices and I guarantee you’ll be on your way to excellent credit! If you have any questions about this, please feel free to reach out to me!

Happy 4th everyone!!

Fun fact!!

It is commonly thought that credit is the number one reason for people to be denied a home loan… think again! The number one reason people get denied a home loan is because of their monthly expenses. If monthly expenses are higher, this will make your debt to income ratio higher!

A good DTI to try and stay around is under 43% to ensure you have the best potential to get a home loan. If you are ready to apply for a loan now, follow my link and I will reach out for a one-on-one!

https://mtgpro.co/dr/c/m33bxu

FHA loans are very popular as they are usually the best fit for first time home buyers. The FHA program is a government backed program that was designed to make it more achievable for individuals to purchase a home on their own. It is appealing to first time home buyers due to allowing for lower down payments, lower credit score, higher debt to income ratio accepted, and allows for term length modification!

If this seems like it may be a fit for you, fill out my application link and I will reach out! If not, we can go through all of your options!

https://mtgpro.co/dr/c/m33bxu

Timing is so crucial in today’s market with listings getting snatched up left and right! Here at Coast2Coast, I am proud to offer full conditional loan approvals within hours. This can be very important in your fight to get that listing for your buyers! I also make myself available at all times to make sure you get the quickest customer service possible!

If you are a buyer in need of a lender, fill out my application link below!

https://mtgpro.co/dr/c/m33bxu

In real estate, the effects of low inventory are felt everyday! If you are a real estate agent, a good way to help this could be to expand your network! I would love to partner with you to expand both of our networks so please reach out! Another good idea is to send out flyers if you have an area that many clients are looking to buy in and offer free comparative market analysis to those individuals!

Every human deserves freedom!

Credit cards are so commonly used in today’s society, but there are many out there that do not know how to properly use them! Here are some tips on the do’s and don’ts to ensure the most success at using your card to build your credit! Let me know if you need more assistance on this!