Carl Heimlich - Mortgage Advisor - NMLS 314836

📚🎒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! 🏡

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!

🏡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

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! 🏡🔑

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! 💬

🏡💰 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! 🔢✨

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! 🤓

🏡 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. 💼📉