DeAnna Baggett - VP of Mortgage Lending, NMLS #1119584

Mortgage rates have been coming down over the last few months. It’s a great time to explore your options and see if you can lower your monthly payments or tap into your home’s equity.

WWW.RATE.COM/DEANNABAGGETT

https://www.rate.com/refinance-mortgage?LOID=35764

There’s never been a better time to lower your mortgage payments. Call me today to start saving with a refi.

http://rate.com/deannabaggett

Don’t let the down payment get in the way of your homeownership goals. Here are 8 smart steps to help you build up that piggy bank and get you closer to closing on a home.

https://www.rate.com/resources/best-ways-to-save-money?LOID=35764

There are still short-term and long-term benefits to owning a home, even in today’s market.

https://www.rate.com/resources/homeownership-is-still-a-smart-financial-move?LOID=35764

As the summer heats up, you can expect the housing market to become highly competitive. So, you're going to need every advantage at your command. Here’s a list of tips to help you move fast, deliver a winning offer, and land the home of your dreams.

https://www.rate.com/resources/be-the-best-buyer-you-can-be?LOID=35764

Starting Monday off with good news! THDA has dropped their rates again!!! Contact me for more info or to see if you are eligible. 🙌🏼

www.rate.com/deannabaggett

Say whaaaatttt???!!! 😱😱😱

THDA has reduced their interest rates! Veterans and First Responders can now get a 5.875% with the THDA Homeownership for Heroes program!!! 🙌🏼

Call me if you have questions about the program or eligibility or you can use my link to get yourself started!

rate.com/deannabaggett

Mortgage Tip Monday: While it is important to find a mortgage lender that you trust to help you through the loan process, it’s equally as important to find a dependable real estate agent to represent you. I know some great ones so if you need a referral don’t hesitate to ask. We all work together to make the home buying process as easy as possible!



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Stepping into Homeownership?

Stepping into homeownership for the first time is certainly an exciting journey, but be careful not to fall into these common traps! Swipe to discover more! Use the link below for more info!

www.rate.com/deannabaggett

Today, we’re rebranding as Rate. Just like our streamlined name, we’re committed to making the mortgage process smoother, faster and smarter. It’s more than a new name. It’s a new era. Welcome to the future of mortgage lending, enhanced by AI and powered by Rate.

http://rate.com/deannabaggett

Here are eight tested housing hacks that can help you find the home your looking for. Don’t let the lack of homes for sale get you down—get creative.

https://www.rate.com/resources/housing-hacks-for-low-inventory?LOID=35764

The housing market in 2024 has thrown us a few curveballs. We dig into what’s happened this year to help homebuyers make sense of the market and get ready to buy this summer.

https://www.rate.com/resources/mid-year-market-update-2024?LOID=35764

No matter what happens with mortgage rates, we have ways to help make homeownership more attainable. Find out how.

https://www.rate.com/resources/mortgage-affordability?LOID=35764

Have a few signs left! Who needs them for your listings???

The most common mistake homebuyers make when looking for their home? Not being prepared. Find out the other most common mistakes, so you can prepare to avoid them.

https://www.rate.com/resources/top-things-not-to-do-before-buying-a-home?LOID=35764

We’ve all been on pins and needles wondering how this is going to play out. Here is the most recent update from VA. Obviously we will all still be waiting on further guidance but we will keep you informed as we get updates!

With a highly anticipated Federal Reserve meeting coming up in June, let’s examine how their decisions affect mortgage rates. Should you lock in a rate now, before they meet? Or wait? We take a look.

https://www.rate.com/resources/mortgage-rates-and-the-fed?LOID=35764

The weather this weekend looks perfect for buyers looking for that perfect place to call home. A pre-approval is the best place to start! Contact me today and let’s talk about the best loan option for you, your family and your budget. Then you can go out and shop with confidence this weekend! ✅🏡🔑



www.rate.com/deannabaggett

Looking for that vacation home but struggling to get the higher down payment often required? A Home Equity Line of Credit (HELOC), helps you tap into the equity from your first home to fund your second – without affecting your current mortgage rate. And unlike banks that may take weeks or months*, our Digital HELOC can deliver your funds in as few as 5 days. Contact me to learn more.

https://www.rate.com/heloc?LOID=35764

Are you an active or Veteran service member looking to buy a home? Then now's the time to take advantage of your VA loan benefit. Not only does a VA loan offer relaxed credit policies and no down payment, but no lender fee is required at close through 2024.* Contact me to get started!

http://rate.com/deannabaggett

Tackle home renovations fast with a personal loan from Guaranteed Rate. Apply in mere minutes and receive up to $50K in as few as 1-2 days – and at lower rates than high-interest credit cards. Things are looking better already!

http://rate.com/deannabaggett

Tip #7: Do not co-sign for any loans for anyone. When you co-sign for a loan you are legally responsible for paying back that debt and your lender will more than likely have to include it in your debt-to-income ratio. There are instances where your lender might not have to count it against you, but it will require more documentation and is only allowed under specific circumstances that vary by loan type.

www.rate.com/deannabaggett

Let’s face it—moving is a major pain. But with a little upfront planning and organizing, you can eliminate so many of the hassles. From packing hacks to moving apps, our tips and tricks can help you keep the hassles to a minimum.

https://www.rate.com/resources/mastering-the-move?LOID=35764

I will be working all weekend to make sure your loans close as soon as possible. If you need me for anything, I’ll be available by phone or email

http://rate.com/deannabaggett

Who needs a HELOC??? 🏡

www.rate.com/deannabaggett

Shop confidently by getting pre-approved first! Getting pre-approved isn’t just about seeing if you qualify for your dream home. It also allows you to discuss payments and closing costs to ensure you’re shopping within your budget. www.rate.com/deannabaggett

Mistakes to avoid #6: Do not make large credit card purchases! Increasing credit balances can increase your minimum payments and reduce your credit score. Wait until after closing or discuss it with your loan officer before finalizing any large purchases.

www.rate.com/deannabaggett