Wes Westbrook Mortgage Advisor - Preferred Rate of TN - NMLS # 1749491

We wish you a happy holiday season and a blissful year. Enjoy your turkey and all the delicious food!

Serving you's always a real treat! Enjoy a spook-tacular holiday.

Remembering and honoring the lives lost on September 11, 2001, and standing united in resilience and hope. ????

What big dreams do you have? Is buying a home one of them? We can help!

Wherever you go and whatever you do may the luck of the Irish be there with you!

FHA's annual mortgage insurance premiums (MIP) will drop from 0.85% to 0.55% for most homebuyers on March 20th. This is another step in helping everyone achieve the American dream of homeownership. Call today to learn more!

Contact me today to get the process started!!!
? 423-802-0056
? ourloanteam.com/meet-wes-westbrook/

Wishing you a Happy

2023 has just begun, allowing us to make a fresh start and take that first step toward a great new year ahead!

A legendary day begins with a legendary mindset - be legendary!

Words to live by!

The Tennessee Riverpark has been nominated by USA TODAY 10Best as one of the best riverwalks in the United States... You KNOW it's #1 🌊

Vote for the Tennessee Riverpark today! https://buff.ly/3kfR9gg

The gift of love. The gift of peace. The gift of happiness. May all these be yours at Christmas.

Awesome news for Chattanooga and the housing industry!!!

Chattanooga is projected to be among top markets for growth in home sales and prices in 2023 | Chattanooga Times Free Press Despite a year-end drop in home sales, Chattanooga is projected to be one of the nation's top 10 markets next year for gains in home sales and prices as home buyers continue to move toward growing markets with more affordable housing options.

Good news for homebuyers! FHFA 2023 limits were announced! What does this mean for you? Let's connect and find out!

Time to break out those ugly sweaters... snap a pic and drop it down below!

The only thing better then a ⭐️⭐️⭐️⭐️⭐️ review is knowing that your clients are in a home that they love and we helped them achieve that! Love taking care of my customers!!!

Call or text today for all your mortgage needs!
615-523-7568

From my family to yours, Happy Thanksgiving!!!

Tip 9 : Use Credit Monitoring

We reached out to our credit expert to help with this one!

"Use free monitoring sites to identify “what and when”. What is on your report and when changes are made".

The best way to find out how to get your true MORTGAGE FICO scores is to contact me. Most monitoring sites will use a misleading “VantageScore” model.

Need more information or help with your credit? I can put you in touch with the expert! Just give me a call.
📱 615-523-7568
🌐 ourloanteam.com/meet-wes-westbrook/

TIP 8: Consolidate or Refinance high interest debt to low/no interest

Did you know auto dealerships make more money on the financing of vehicles than they do on the buying and selling of vehicles? Auto loan refinance or zero interest and zero balance transfer cards can be a great way to get accelerate your balance reductions.

Contact me to see how a mortgage refinance might help even more.
The Wes Westbrook Team
📱 615-523-7568
🌐 ourloanteam.com/meet-wes-westbrook/

TIP 7: Resolve delinquent accounts, charge-offs, or collections

We reached out to our credit expert to help give some insight into tip #7.

"Working to remove negative information items off your credit report is an important strategy for credit recovery. You can work with the Credit Bureau Fair Credit Reporting Act (FCRA) laws or directly with the creditor to implement an expedited plan through deletion/removal agreements."

Need more information or help with your credit? We have the help you need! Or, if you or someone you know is looking to buy or refinance, I can help there too! Just give me a call!
The Wes Westbrook Team
📱 615-523-7568
🌐 ourloanteam.com/meet-wes-westbrook/

TIP 6: Keep Old Accounts Open but Unused.

Closing accounts lowers your available credit and increases your credit utilization ratio.

Keeping them open, but unused keeps that available credit number higher. Even if you don't use them, the long history of using that account really aids in your credit scores strength.

Questions or need help fixing your credit? Or, if you or someone you know is looking to buy or refinance, I can help! Just give me a call!
The Wes Westbrook Team
📱 615-523-7568
🌐 https://www.ourloanteam.com/meet-wes-westbrook/

TIP 5: Boost A Thin Credit File

A thin file means that you don't have enough history to actually generate a score.

There are ways we can help improve your score by using your banking history in addition to your credit history. If you are renting, there are services that will report your rental payments on your behalf, which will actually boost your score as well.

Different programs have different requirements on how to show credit outside of your credit report.

Reach out to me today for more information!
The Wes Westbrook Team
📱 615-523-7568
🌐 ourloanteam.com/meet-wes-westbrook/

Tip 4: Limit your credit inquiries!

Soft inquiries are ok and include:
* Checking your own credit
* A potential employer checking your credit
* Credit card offers

The big one here is hard pull inquiries that do affect your credit score. Hard inquiries include applications for new lines of credit (credit card, mortgage, and auto loans).

An occasional inquiring isn't a big deal. But having several in a short period of time can really impact your score.

If you need help with your credit score, I can help! Or, if you or someone you know is looking to buy or refinance, I am here to help with that too! Just give me a call!
The Wes Westbrook Team
📱 - 615-523-7568
💻 - ourloanteam.com/meet-wes-westbrook

TIP 3: Aim for 30% credit utilization or less. What does that mean? It means that if you add up all of your available credit, you are using 30% or less.

Let me give you an example - If you had a limit of $10,000, you would aim to keep your credit charges no more than $3,000 or 30% of the limit. When you max out your credit card to the limit of $10,000, it actually hurts your score.

If you need help with your credit score, I can help! Or, if you or someone you know is looking to buy or refinance, I am here to help with that too! Just give me a call!
The Wes Westbrook Team
📱 615-523-7568
🌐 ourloanteam.com/meet-wes-westbrook/

TIP 2: Pay on time. This sounds obvious, but it's the single most important way to impact your score.

Create a finding system for keeping track of monthly bills. Set due dates so you know when a bill is coming up or consider setting an automatic bill payment from your bank account.

If you need help with your credit score, we can help! Or, if you or someone you know is looking to buy or refinance, we are here to help with that too! Just give me a call!
Wes Westbrook Team
📱 615-523-7568
🌐 ourloanteam.com/meet-wes-westbrook/

For the next 9 weeks, I'll be providing tips for improving your credit score. ⁠
⁠
To kick things off - Tip 1: Review your credit report. ⁠
⁠
You can do this for free once a year. Be sure to check for errors that can drag down your score so that they can be corrected or removed.⁠
⁠
If you need help with your credit score, I can help! Or, if you or someone you know is looking to buy or refinance, I'm here to help with that too! Just give me a call!⁠
Wes Westbrook Team
📱 615-523-7568
🌐 ourloanteam.com
⁠