Carl Heimlich - Mortgage Advisor - NMLS 314836
Nearby finance companies
Woodbrook Court
Wayles Lane
Wayles Lane
Wayles Lane
Woodbrook Court
Wayles Lane
He believes that the most important decision you’ll make when buying property is choosing your mortgage advisor. Subject to credit approval.
This page is a Mortgage Guide to answer questions and provide insight on the mortgage industry. | Go Mortgage, LLC | NMLS #1018 | NMLS #314836 | Equal Housing Opportunity Branch Manager, NMLS: 314836
Cell: 434.989.2274 | Email: [email protected]
With over 20+ years of experience in the mortgage industry, Carl Heimlich’s mission is to get you the right loan. To him it’s more than just comp
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Looking to tap into your home’s equity?💰
A HELOC (Home Equity Line of Credit) offers flexibility by letting you borrow only what you need—perfect for ongoing projects!🏠
On the other hand, a cash-out refinance gives you a one-time payout—think vacation, college, or debt consolidation. 🌍🎓
👉 Let’s navigate your home equity journey together! Reach out now for personalized advice.
📚🎒Heading back to school?
Start the school year off right with our top tips for back-to-school success! From staying organized to managing your time and staying motivated, we've got you covered.
Wishing you a smooth and productive year ahead! 📝✨
When it comes to mortgages, customer service makes all the difference! At GO Mortgage, we pride ourselves on delivering 5-star service every step of the way. 🌟 With a commitment to client education and support, experienced and knowledgable mortgage advisors, customized mortgage solutions, and so much more - we're here to guide you. Ready to experience the GO difference? Let's GO! 🏡
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Local expertise makes all the difference!🏡 I can offer insights on neighborhood trends, schools, and market conditions. 📍 I know your area best, which means better advice for you!
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If you’re a veteran, you deserve a simple path to savings. With a VA Streamlined Refinance 🏡, enjoy minimal documentation requirements 📝, and a fast process ⚡—all while keeping your life uncomplicated ✨. Tap into your benefits today!
Thinking about buying a home?🏡🔍 Know the true costs! Acting means down payments and closing costs, but waiting could mean missing out on equity and facing higher prices later.
📈Let me take me you through a detailed cost of waiting analysis for your area!
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Time to stop lining your landlord's pockets and start investing in your own future! 🔑 Let me guide you through the mortgage process so you can finally say goodbye to renting and hello to owning your own piece of the pie. 🏡💰
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🏡 Don’t let down payments keep you from your new home! With our low to no down payment options, your path to homeownership is easier than ever. Message me today to learn more! 💬
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🔔 Reminder: You don’t need anyone’s approval...except for a mortgage pre-approval! 🤣
Let’s get you pre-approved and one step closer to your next home. Contact me today!
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🏡 Think you can only thrive in a booming market? Think again! Strategic investments can bring success even in slower markets. 📈 Don’t be fooled by the myth—opportunities are everywhere if you know where to look! ✨
Have questions? Contact me today to explore your options!
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Your home is your greatest asset—use it wisely! 🏡 With a cash-out refinance, you can lower your monthly payments by consolidating high-interest debts.
Secure your financial future 💪 Reach out to us today!
🏡Breaking down closing fees: Ever wonder what they all mean? 🤨 Let's take a closer look at the most common fees and their purposes.
If you have any questions or need clarification, reach out to your GO Mortgage loan officer. 😎 We’re here to make your home buying experience smooth and stress-free!
Real estate safety is always in style! 🔐
Check out these essential tips from National Association of Realtors (NAR) to ensure you stay safe on the job, and conquer every showing with confidence!🏡🤝
🌐 Learn more at nar.realtor/safety
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USDA rural loans have increased their maximum income limits, providing more families with the opportunity to qualify for 100% financing! 🎉 No down payment required! 🙌 And that’s not all! Sellers can now contribute up to 6% towards the buyer's closing costs.
Curious about the options under this loan program? Give me a call today to learn more! 📞
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📉 Breaking News: Rates Have Dropped! 📉
Wondering what this means for you? Rates fluctuate constantly, but a move downward is always welcome news! Forget the headlines—let’s discuss how this could impact your unique situation. Ready to explore your options? Call me today! 📞
Explore the win-win of a 2-1 buydown!👇
Buyers enjoy reduced initial payments, easing their budget, while sellers attract more interest in their property. A smart strategy for both sides of the home-buying journey! 🏡🔑
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If you’re looking for a sign to buy a home, this is it!
From boombox to blockchain, home values have tripled since 1991! 🚀💰 Homeownership is a powerful tool for building wealth, with property values generally increasing over time.
🏡 Ready to make a move? Let’s connect!
Let’s turn your home financing dreams into reality.🏡
Our mission? 🚀 To make the mortgage process simple, fast, and efficient. Whether you’re buying your first home or refinancing, experience hassle-free financing with us. 🔑 Let’s make your next move a smooth one!
🏡 Homebuyers, Check Out This Market Update! 🏡
Market Rally & Fed Rate Cut Predictions 📈
Good News: Core CPI inflation came in below expectations, sparking a market rally! 🚀
Current Outlook: Traders are now 78% confident of a Fed Funds Rate cut in September.
Unemployment Data & Labor Market 📊
Today's Update: New jobless claims declined by 6.7%, and continuing claims dropped by 3.2%.
Impact: A strong labor market could make the Fed cautious about cutting rates too soon.
Cutting rates too early might strengthen the labor market and reverse recent inflationary trends.
Waiting too long could risk pushing the market toward a recession.
CPI Data Highlights 📋
Overall Inflation: Decreased by 0.1% month-over-month.
Core Inflation (excluding food & energy): Rose by 0.1% MoM and 3.3% YoY.
Sector Highlights:
Energy & Vehicle Prices: Dropped significantly.
Food Prices: Saw moderate increases.
Shelter & Services: Continue to experience strong inflationary pressures.
What This Means for Homebuyers 🏠
Stay informed about these economic indicators to make confident homebuying decisions.
The timing of a Fed rate cut is crucial and could impact mortgage rates.
Keep an eye on the market, and let's navigate this journey together! 💪
🏡✨ Owning a home means more than just a place to live—it's about creating a space that's uniquely yours. From backyard barbecues to quiet mornings in your own breakfast nook, your home can be what you make it. What does owning a home mean to you? Share your thoughts below! 💬
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Ready to seal the deal on your dream home? 🏡
Just remember at your mortgage closing:
🚗 Avoid the temptation of buying or leasing a new car
📉 Say no to deferred loans that might mess with your credit score
🙅♂️ Stick to your current job and avoid job hopping
💸 Keep your lender in the loop about any sudden cash windfalls
💳 And most importantly, don't let credit card debt creep in!
Follow these tips and you'll be smooth sailing into homeownership! 🌟
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🏠 Finding the perfect home is exciting, but figuring out what you can afford can be overwhelming. That's where a mortgage advisor comes in. I'll work with you to determine your budget and guide you toward your dream home.
👉 Let me help you take the stress out of buying a home!
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💭 Think you need a traditional income to qualify for a loan? Think again! With Asset Depletion Income, your assets do the talking. ✅ Let us show you how your assets can work in your favor to secure a loan. 💰 🏠
🏡💰 Looking to be a savvy homeowner? Put those extra dollars to work and watch your mortgage shrink faster!
💬Message me to learn how to save big over the life of your loan with some strategic payments. Let's crunch the numbers together! 🔢✨
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🏡💭 Have questions about buying a home? Whether you're curious about market trends, credit requirements, or deciding between renting and buying, I'm here to help and guide you!
👉 Drop your questions below or contact me directly—let's navigate your path to homeownership together!
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Dreaming of a kitchen upgrade? 🏡✨ A Second Lien HELOC can turn your dreams into reality. Learn more today!
Hey there, mortgage seekers! 🌟 Ever wondered about the difference between a "soft" and a "hard" credit pull when it comes to checking your eligibility for a mortgage? Let's break it down in simple terms:
👉 Soft Pull:
✅ No Impact: A soft pull doesn't affect your credit score.
✅ Initial Screening: Some lenders may use it for pre-qualification.
✅ No Commitment: You can have multiple soft pulls without worry.
👉Hard Pull:
✅ Detailed Review: Lenders use it for the actual mortgage application and approval.
❌ Credit Impact: It can lower your credit score slightly.
❌ Commitment: A hard pull shows up on your credit report.
💡 What You Need to Know:
1️⃣ Soft pulls can be a good option for initial shopping that won't harm your credit.
2️⃣ Hard pulls are essential for the mortgage application and a true pre-aproval.
3️⃣ Be cautious about multiple hard pulls, as they can lower your credit score.
Remember, understanding credit checks is key to a smooth mortgage journey. Feel free to ask any questions! 🤓
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✨ Every dream has a journey, and every move has a reason. At GO Mortgage, we're here to support your goals, whether you're upsizing for a growing family or relocating for a fresh start. Let us help make your next move smooth and successful. 🏡 Your reason to move is ours to support—every step of the way!
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No W-2? No problem! 😎 Have you heard about our Bank Statement Loans, perfect for freelancers, entrepreneurs, and anyone with non-traditional income streams.
👋 Say goodbye to traditional income verification hurdles and hello to flexibility. Our loans are designed to fit your unique financial scenario, giving you the freedom to pursue your homeownership dreams.
Let's explore how a Bank Statement Loan can work for you! 🏡
🏡 Homebuyers, Stay Informed! 🏡
Mortgage-Backed Securities (MBS) Market Update:
📈 The MBS market has extended its rally since early May, trending towards lower rates despite high volatility.
Key trends influencing the market:
Disappointing Retail Sales numbers 📉
Continued decline in inflation readings 🛑
Uptick in unemployment figures 📈
Fed Funds Rate & Market Predictions 🕒
Timing of Fed rate cuts remains uncertain; current data moves in the right direction but at a slow pace.
Market speculators predict a rate cut might come as early as September, a shift from earlier predictions favoring November.
What This Means for Homebuyers 🏠
Maintaining current Fed Funds rate to slow the economy makes sense, but cutting rates too early could have serious repercussions.
Increased expectations for a rate cut bring higher risk of market volatility.
Key Data Releases to Watch This Week 📅
Thursday: Weekly unemployment data
Friday: PMI data
Low unemployment or high PMI could negatively impact rates.
Steady or higher unemployment and weaker PMI will help push rates lower.
Stay Informed! 📰 Keep an eye on these indicators to make confident homebuying decisions in a volatile market. 💼📉
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Our Story
VP & Branch Manager, Finance of America Mortgage, LLC. NMLS: 314836
Cell: 434.989.2274 | Office: 434.234.3985
With over 17 years of experience in the mortgage industry, Carl Heimlich’s mission is to get you the right loan. To him it’s more than just completing the application and hoping it’s approved; he strategically thinks about how your loan process would work. “I basically underwrite the file in my head, check upfront with our underwriters on guidelines and investigate any potential roadblocks before sending in the paperwork.” Extremely knowledgeable and proactive about every pre-qualification and loan he undertakes, Carl closes 98% of all the loans he submits. He believes that the most important decision you’ll make when buying property is choosing your mortgage planner. He holds the honor of being voted a #1 Lender in the Rural Virginian’s Readers Choice Poll for the past ten consecutive years and continues to be a top producer in the industry since 2002. Spending much of his adult life in the Lake Monticello Community, Carl is an active member of CAAR and the Charlottesville Chamber of Commerce. He contributes to local charities like the American Heart Association, Arc of the Piedmont and also supports our company charities through FOA Cares. He gives thanks every morning for his wonderful family, including his wife of over 30 years, two adult children and two canine children: a cocker spaniel named Oliver and Astro, the chocolate lab. When Mr. Heimlich isn’t speeding up a home loan closing, you can find him cruising down the highway in his 2000 Corvette.
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