Hannah Zavenkow Realtor

Spring is right around the corner, and so is the ! If you are looking to buy a home this spring, I've got a few tips for you. First and foremost, call me TODAY to get your pre-approval process started, so when you find your dream home you are already ahead of the curve 🌷🐝🏡

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🏠💲 LTV stands for Loan-to-Value ratio, and it's an important metric in the mortgage industry. It represents the ratio of the loan amount to the appraised value or purchase price of the property, whichever is lower.

✅️ For example, if you're buying a house valued at $400,000 and you're taking out a mortgage for $360,000, your loan-to-value ratio would be 90% ($360,000 loan amount divided by $400,000 appraised value); accordingly, you down payment would be 10% in this scenario.

➡️ There are maximum LTV ratios acceptable for different types of loans. For instance, conventional mortgages have a maximum LTV of 97%, while FHA loans allow LTV of 96.5%.

🏠💲 LTV = Loan To Value представляет собой соотношение суммы кредита к оценочной стоимости недвижимости.

✅️ Например, если вы покупаете дом стоимостью $400,000 и берете ипотеку на сумму $360,000, соотношение вашей суммы кредита к стоимости недвижимости 90% ($360,000 разделить на $400,000); соответственно, в этом сценарии ваш первоначальный взнос составит 10%.

➡️ Существуют максимальные границы LTV, приемлемые для разных видов кредитов. Например, для Conventional loan максимум LTV составляет 97%, а ссуды FHA допускают LTV до 96,5%.

#ипотекавамерике #ипотечноекредитование

The desired inflation is 2% and the latest rise of 3.1% consumer price index in January is not yet comfortable. One big source of stubbornness to further calmness is that housing shelter inflation is rising at 6%. https://www.nar.realtor/blogs/economists-outlook/instant-reaction-cpi-inflation-february-13-2024

https://www.freddiemac.com/research/forecast/20240122-us-economy-continues-expand

According to Freddie Mac, " With inflation remaining above the Federal Reserve’s target rate of 2%, we do not expect the Federal Reserve to start cutting the federal fund rates immediately. However, it will continue to pause on interest rate hikes. We expect rate cuts in the second half of the year if the job market cools off enough to keep inflation muted. Under this scenario, we expect mortgage rates to ease throughout the year while remaining in the 6% range"

Economic, Housing and Mortgage Market Outlook – January 2024 While the economy continues to expand and added 2.7 million jobs in 2023, signs point to a normalization in the labor market as job growth is expected to moderate in 2024.

🏡 Did you know that homeownership isn't limited to citizens?

You can be eligible to apply as long as you have a legal status in the USA, such as a Green Card, Work Visa, work authorization document.
There are various work authorization categories, and most of them are eligible for conforming loans, but some are not.

Regardless of your residency status, I'm here to guide you through the mortgage process.
Let's explore your options and make your dream home a reality!

🏡Знаете ли вы, что не только граждане могут получить ипотечный кредит?

Вы можете им подать заявку, если у вас есть легальный статус в США, например, грин-карта, рабочая виза, документ, разрешающий работу.
Существуют различные категории разрешений на работу, и большинство из них подходят для стандартных кредитов, но не все.

Независимо от вашего статуса, я здесь, чтобы помочь вам в процессе оформления ипотечного кредита.
Давайте рассмотрим ваши варианты и воплотим вашу мечту в реальность!🌟

#ипотекавамерике #ипотечноекредитование

Buy NOW to beat out the buyer competition, SAVE when rates fall with Rate Rebound. Call me to see how you can save!

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Instant Reaction: Mortgage Rates, December 28, 2023. "Mortgage interest rates continued their decline this week and hit the lowest level in six months since May of 2023. Mortgage interest rates are now at an average of 6.61%, easing from 6.67% last week." http://spr.ly/6186RjXZA

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Holiday spending hangover? You're not alone 😵‍💫 What if we told you the remedy is locked within your own home?! With our 5-Day HELOC, you can access up to $400,000 in tappable home equity in as little as 5 days. Ready to learn more? Give me a call!

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Step confidently into purchasing a home with a lender who understands your financial goals and is in the loop with the mortgage industry. Let's make 2024 the year YOU become a homeowner 🏠

#2024

https://canopy.stats.showingtime.com/infoserv/s-v1/Wncn-IKu

Median Sales Price for Entire MLS and more

😊

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Using a ceiling fan in the winter may seem counterintuitive, but it could help you save on energy bills! In cooler months, your ceiling fan should be spinning clockwise at a low speed. Warm air naturally rises, and the gentle updraft created by this setting allows for the redistribution of warm air that tends to accumulate near the ceiling.

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What steps go into making an offer on a home? Spoiler alert: It’s more than just agreeing on the purchase price. Here’s what you need to know: http://spr.ly/6187RD9Oz

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📸 Look at this post on Facebook https://www.facebook.com/share/p/sa8CGw6b3RR54vsC/?mibextid=dD9HTC

Have you heard the news?! As of November 18, 2023, Fannie Mae will now accept down payments as low as 5% for 2-to 4-unit owner-occupied homes. Here’s how you can take advantage of this policy update: socialhttps://www.cmgfi.com/mysite/john-dillon-iii/blog/fannie-mae-makes-multifamily-homes-more-affordable-with-reduced-down-payment-requirements-2023-11-20

Struggling to sell your home? Don't lower the listing price just yet!! Ask me how our exclusive List & Lock™ advantage can help you save money AND still sell your home at top price.

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Are you keeping an eye on your credit? According to the Consumer Financial Protection Bureau (CFPB), you should check your credit report at least once a year. In fact, you can receive free copies of your credit reports every 12 months from annualcreditreport.com.