CBM Team of Supreme Lending

Happy work anniversary to Courtney Taylor! Thank you for all that you do for us. Here’s to celebrating you! 🌟

Celebrating Chris Genovese today! Your hard work in helping others achieve home ownership is greatly appreciated. Wishing you a day filled with joy and a year full of success!

Today, we celebrate Annemarie and her amazing 4 years with us. Your contributions and commitment have made a significant impact. Thank you for all that you do!

Happy Birthday, Tara! 🎂 May your year ahead be filled with new opportunities, success, and happiness. Enjoy your special day!

🏡✨ Big News Alert! CBM Mortgage and Supreme Lending are merging to bring you even more! 🚀Go From Great to Supreme with licenses spanning all 50 states, we've got an expanded product lineup to better serve you. Your same hometown lender, just more resources to make your dreams a reality! 🌐💙
Over the next couple of weeks, you'll see some updates, but rest assured, we're here to serve you with no hesitations! 🛠️🤝

Knowing you make enough money to pay the monthly payments is just the beginning. After you buy your home, how do you want your finances to look? Creating a budget before buying a home is key to making a smart purchase.

Here's a tip that delays many loan closings. If you can help it, please try to wait before getting a new job, but if you must, please know you will delay your closing. All lenders will want an employment contract but the delay is most lenders also want a copy of your first paycheck as well.

Ask your broker or loan officer for a pre-approval checklist of pre-approval guides to prepare for approval. Collecting the correct income documents, credit statements, and explanations can lead to a fast, stress-free closing.

The closing date is fast approaching, and the excitement is building! Here are 5 Things you should do before moving. They seem small, but not doing these items can make moving into your home a little challenging.

Let your utility bills work for you! Boost your credit score within minutes by adding your utility bills to your credit report. The lender WILL NOT calculate these bills into your monthly debt. Time to get creative!

Paying your bills can be an afterthought until you apply for a loan and you realize your DTI is too high. Remember your DTI consists of what you're currently paying on your credit report and any recurring housing expenses. You can always ask for discounts on your HOI and pay off some credit cards before applying.

As a mortgage lender/loan officer, our goal is to help you achieve your goals and get you the best loan possible. Having a clear understanding and knowing what to expect is key! If I don't have the answer, I will definitely find it!

Finding the right loan is like finding the right mate! The standard loan term is 30 years which is a long commitment...unless you sell it. In today's market, with rates being higher, there is a possibility you could refinance when rates are lower, but in the meantime, make sure your broker has explained to you all the terms and advantages of your new loan.

Honoring the legacy of Martin Luther King Jr.! 🌟 Our offices are closed today in observance of MLK Day.

Having a second job is a great additional source of household income. When applying for a mortgage with a 2nd job, you will typically need a 2-year history; however, the banks will consider a 12-month history only if the income is stable.

The market is always changing! Aside from price factors like market rent for investment properties and the age of a recent comparable can change too. Here are some things to keep in mind when looking for a home.

Happy National Houseplant Appreciation Day! 🌿🏡 Today, we celebrate the green companions that bring life to our homes. Just as every houseplant has unique needs, so do your home financing goals. Let's cultivate success together and make your homeownership dreams bloom! 🌱✨

A pre-approval is not a full loan approval that's ready to close tomorrow. It means you meet the minimum qualifications of the lender guidelines. Once the loan is solidified and you're ready to follow through, all loan documents, appraisals, etc., will be evaluated more to confirm a final approval.

Happy National Technology Day! 🌐💻 As your tech-savvy mortgage lender, we celebrate the power of innovation and efficiency in making homeownership dreams a reality. Embracing cutting-edge solutions for a seamless home-buying journey! 🏡✨

Now's the time to turn dreams into keys! 🏡⏰ Seize the moment and make homeownership a reality. With favorable market conditions, we're here to guide you through the process. Don't wait, let's find your perfect home! 🚀🔑

There's more to buying a home than the sales price and monthly payments. Factoring in the taxes, insurance, HOA, and maybe even PMI can send you over budget. Before signing your purchase contract, make sure you estimate all the costs to avoid surprises and have peace of mind!

Now you can put your credit cards to real use! With a Fannie Mae loan, you can use your credit card points towards funds to close, down payment, and reserves. Start saving those points!

Cheers to a prosperous New Year filled with home dreams coming true! 🏡✨ May your 2023 be filled with joy, success, and the keys to new beginnings. Happy New Year from your dedicated mortgage team! 🎉🥂

Cheers to the new year! 🎉 Our offices are closed as we ring in 2024. Wishing you a fantastic New Year filled with joy and success.

Waving goodbye to 2023 with gratitude and embracing the possibilities of a brand new year! 🎉✨

This holiday season, give yourself the gift of a cozy home. Let's explore mortgage options together and make your dreams come true! 🎁🏠

🍪✨ Sweeten your holiday season with our special Gingerbread Mortgage Cookies recipe! 🏠💕

Ingredients:

3 cups all-purpose flour
1 1/2 teaspoons baking powder
3/4 teaspoon baking soda
1/4 teaspoon salt
1 tablespoon ground ginger
1 3/4 teaspoons ground cinnamon
1/4 teaspoon ground cloves
6 tablespoons unsalted butter, room temperature
3/4 cup dark brown sugar, packed
1 large egg
1/2 cup molasses
2 teaspoons vanilla extract
Instructions:

In a medium bowl, whisk together flour, baking powder, baking soda, salt, ginger, cinnamon, and cloves. Set aside.

In a large bowl, using an electric mixer, beat the butter and brown sugar until fluffy.

Add the egg and beat well. Then, add molasses and vanilla extract, mixing until well combined.

Gradually add the dry ingredients to the wet ingredients, mixing on low speed until the dough comes together.

Divide the dough in half and wrap each half in plastic. Chill in the refrigerator for at least 1 hour.

Preheat your oven to 350°F (175°C) and line baking sheets with parchment paper.

On a floured surface, roll out each portion of dough to about 1/8 inch thickness.

Cut out gingerbread shapes using cookie cutters and place them on the prepared baking sheets.

Bake for 8 to 10 minutes, or until the edges are just starting to brown.

Allow the cookies to cool on the baking sheets for a few minutes before transferring them to a wire rack to cool completely.

Once cooled, you can decorate the cookies with icing or other festive toppings.

Enjoy your delicious homemade gingerbread cookies! 🍪🎄

Dreaming of making a move? Let's make it happen with the perfect mortgage plan!