Jay White, Real Estate Loan Originator - NMLS # 1751071

Jesse and I grilling some wings for the branch on National Chicken Wing Day!

Always a good time at Altra Federal Credit Union - Clarksville

I've got a big event today with some great friends who graciously invited me to be their lender for this open house event! Big shout out to Cally Fleming, Bethany Culp, and Karen Sawyer Griffy Blick!

But I'm really excited to get my hands on a No Diggity Dawgs & Catering Glizzy today!

It's gonna be a fun one so be sure to make a tour of town and see these amazing properties being shown!

Today marks the closure of one of the most incredibly rewarding and unforgettable chapters in my life.

For the last 6 years I have served on the board of the Clarksville Rotary Club in multiple capacities
Board Member
Secretary
President Elect
President
And Immediate Past President

I will forever be grateful and proud of the time I have had to serve our community, the district, and the world at large.

I'm not quite sure what it feels like to just be a member as I only had about 6 months of that prior to being asked to serve as Secretary 6 years ago.

I have gained so many lifelong relationships, friends, and extended family members during those years of service. I will forever be a Rotarian, and I encourage anyone who has a heart to serve others to reach out to me for more information about the greatest community organization worldwide!

Don't miss this.....

Need last minute tickets to Shinedown: The Revolutions Live Tour tonight, October 3rd? You are in luck! We have a pair of tickets that we want to give away to one of you!

Here is how to enter to win:
• "Like" this post
• Follow our TN Page
• Tag the person who you want to bring to the concert in the comments!

We will be randomly picking a winner today at 4pm. Good luck and enter now! 🎸 🎤

Agents! Don't miss out on this opportunity to tour some beautiful homes here in Clarksville.

These homes are right off Madison St and tucked away nicely to provide great privacy from the busy thoroughfare... yet right near EVERYTHING!

Come join me, the Amazing Karen Blick, Johnathan Blick and Jacqueline Elliot tomorrow from 11-2!

It is important to build an emergency fund for home problems such as a leaky roof or a broken water heater. These unexpected expenses can arise at any time and having an emergency fund in place can cover these expenses without having to rely on credit cards or other forms of debt.

While purchasing a home is an exciting purchase, having money set aside for your home emergencies can help you in the long run and provide you peace of mind. Start an emergency fund and contribute to it regularly so that it's there when you need it the most. Have any questions about the home buying process. Contact me today!
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When purchasing a home, it is important to plant your roots in a home and a neighborhood you like and that fits your needs. Since a home is a long-term investment, you will most likely be living there for several years.

When looking into the neighborhood, make sure that you check features such as the nearby school districts, lifestyles, safety and more!

Do your research before moving in to make sure that you have chosen the perfect fit for you and your family for years to come! I am ready to answer any of your questions: https://www.altra.org/personal/mortgage/meet-our-mortgage-lenders/
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Are you on the edge of whether to buy your own home or to keep renting? There are multiple benefits to homeownership that you should be aware of.

Some of these benefits include planting your roots down in one place and having a sense of community in your neighborhood. Owning a home is a great long-term investment, as well as a good equity builder. Homeownership has tax benefits as well as provides you privacy and freedom to do whatever you want to your property.

Interested in purchasing a home? Contact me today for more details about purchasing a home.
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Myth: You should always choose a 30-year fixed rate mortgage

Fact: A 30-year fixed rate mortgage is a popular option; however, it may not be the right choice for everyone. There are many other mortgage options to consider such as an adjustable-rate mortgage, 15-year fixed-rate mortgage and more!

Which mortgage option will be best for you depends on your financial circumstances and goals. At Altra, we have a variety of mortgage options to meet your individual needs. I can help you explore all your options and find the mortgage that's the best fit for you! Contact me today to learn more about what mortgage option is right for you.
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One of the steps that you can make as a homebuyer is to make sure that you are pre-approved as early as possible. Getting pre-approved early can help you put the power of financing behind you so you can concentrate on selecting your home. Preapproval also shows that you are a serious buyer which could give you an advantage in a competitive market.

At Altra, we can help you get pre-approved for a mortgage so that you can start shopping for your dream home with confidence. Contact me today to learn more about our mortgage options and how we can help you through the home buying process!
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When is the right time to stop renting and to purchase a home? While the initial cost of buying a home may seem very expensive compared to renting, the truth is buying a home can be more affordable than renting in some or even most cases. When deciding if you should continue to rent, here are a few different steps to help you:

•Look at your financial situation - do you need to build more credit or want to save for a larger downpayment, then renting may be optimal.

•How long do you plan to live there - if you only plan to be in one place for a few years, renting may be the better option for you. If you plan to stay in the same area or job for a while, then buying is the way to go.

•Figure out which Mortgage loans that you qualify for - you can find which mortgage loans we have at Altra, and speak with a Mortgage Lender like me more in depth about your options here: https://www.altra.org/personal/mortgage
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In today's competitive market, getting pre-approved may be the game-changer that helps you secure your dream home. Give me a call to get started!
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Before shopping for a home, it’s important to figure out how much house you can comfortably afford. A good rule of thumb is to spend no more than 28% of your gross monthly income on housing-related costs and 36% on total debts, including your mortgage, credit cards and other loans.
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Making your credit card payments on time will help keep your credit score up.
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Check out this Mortgage Fun Fact!

The median down payment for first-time home buyers in the U.S. is 7% while the median down payment for home buyers is 12%. You do not need to have a 20% down payment in order to purchase a home. Don't let this myth lean you away from purchasing your home.

Have any more questions about down payments or the mortgage process, I am happy to talk to you today!
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A down payment is the part of what you pay to buy a house that is not included in your loan amount. However, it is what you owe at the time of purchase. You may not need 20% down to purchase a home, but saving for a down payment will likely cause you to pay off your mortgage sooner. You will also save yourself some interest and build equity quicker when you put down a solid down payment!

Determine which loan options we have here at Altra that are right for you: https://www.altra.org/personal/mortgage/home-loan-choices
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Before you apply for a mortgage, it's important to check your credit reports and scores. Lenders use these reports to determine if they will loan you money, and at what interest rate.
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Are you wondering when the best time to buy a house is? While there is no one-size fits all answer, it is important to stay flexible and open to opportunities throughout the year. The best time to buy a house ultimately depends on your personal goals and circumstances. Whether you're a first-time homebuyer or looking to upgrade, the Mortgage team at Altra can help guide you through the process and find the perfect home for you. Contact me today to start your home buying journey!
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Did you know that 84% of Americans say that homeownership is a priority? Homeownership can be a priority for many different reasons. Here are just a few:

• Building Equity - When you are a homeowner, you are building equity with each mortgage payment
• Stability and security - Owning a home gives you control over your living situation and can provide you with a sense of pride
• Sense of community - Being a homeowner can help you feel more connected to your community, give you the opportunities to get involved with local events, meet neighbors, and give you a sense of belonging.
•Tax benefits - owning a home can offer several tax benefits, including mortgage interest deductions and property tax deductions.

Have more questions about home ownership? Feel free to contact me today, let's chat!
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Now is not the time to buy a new couch. Wait until your loan has closed before making any large purchases.
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You made your down payment, but don't forget about closing costs! Closing costs are an essential aspect of the home buying process that you should be aware of.

So what are closing costs? Closing costs can be extra fees or expenses associated with finalizing your mortgage that can add up quickly. These can include origination fees, appraisal fees, title search fees, and more.

Do not let closing costs catch you by surprise! Get an estimate of what your closing costs are going to be early on in the home buying process. Contact me today to learn more about the home buying process and to learn how I can help you navigate closing costs.
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Like any goal, you want to make sure your savings goals are SPECIFIC. Here's how:

1️⃣ Determine your goals. What are you working toward? A down payment for a house? A new car? Whatever it may be, write it down.

2️⃣ Figure out EXACTLY how much money is needed to achieve each goal.

3️⃣ Break down the goal into something more practical. Want to save $12,000 in the next 12 months? That’s $1,000/month or $231/week.

4️⃣ Itemize each saving goal. This will hold you accountable to meet your goals.

If you need help determining a savings budget to meet your down payment goals, I'm here for you! ⠀
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A real estate agent will help you find your next home, complete all necessary paperwork, and provide expert guidance throughout each step of the process.
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What is refinancing and should I refinance? Refinancing is the process of replacing your current mortgage with a new one. When you refinance your mortgage, you take out a new loan to pay off your existing mortgage. You then make payments on the new loan going forward. Usually refinancing helps you receive a lower interest rate or a shorter loan term. This can help you save money on your monthly payments or help you pay off your mortgage sooner.

At Altra, we can help you navigate the refinancing process and find the best options for your needs! Contact me today to learn more about our refinancing and mortgage options.
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Last 2 Days to get your youngsters setup for financial success 💪🏼 come see us!

It's time to celebrate youth month in style and start saving for your child or grandchild's future with Altra! Open a new youth account with $20 and Altra will match your $20.

Opening a new youth account with us during Youth Month has never been more rewarding! Not only will you receive a $20 match and be eligible to win the grand prize valued at $500, but we will also be selecting 𝐓𝐇𝐑𝐄𝐄 𝐥𝐮𝐜𝐤𝐲 𝐧𝐞𝐰 𝐦𝐞𝐦𝐛𝐞𝐫𝐬 𝐰𝐡𝐨 𝐨𝐩𝐞𝐧 𝐚 𝐲𝐨𝐮𝐭𝐡 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐝𝐮𝐫𝐢𝐧𝐠 𝐭𝐡𝐢𝐬 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐫𝐞𝐜𝐞𝐢𝐯𝐞 𝐚𝐧 𝐚𝐝𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 $𝟓𝟎 𝐝𝐢𝐫𝐞𝐜𝐭 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐢𝐧𝐭𝐨 𝐭𝐡𝐞𝐢𝐫 𝐚𝐜𝐜𝐨𝐮𝐧𝐭!

At Altra, we are committed to helping young members develop healthy money habits that will last a lifetime! Don't miss out on this very special promotion and the chance to win. Click here to open your account today: https://www.altra.org/personal/youth/youth-month/

As the busy season approaches I want to touch base with the agents in town to share some benefits of using Altra for your clients.

For instance:
We have an app that can be used by both the members and You that helps keep clear communication between the three of us. (I can present this to you or your team anytime)

Secondly, we typically have higher Debt to Income Ratio limits than other companies in town.
50% max on all loans. (FHA can go to 55% with one of our investors. Additional qualification requirements)

We have in-house products that may fit for your first time home buyers.

For instance a $0 Down 30yr Fixed Rate Mortgage
FHA with 3.5% Down
As little as 3% down on Conventional

ARM Loans for flexibility if needed to make the loan work for the member.

We are the Kings of Land and Construction Loans in my opinion.

All Conventional Mortgages are serviced in-house for the life of the loan so they never have to worry about a random bill from another lender. Easy online banking options for them to make those mortgage payments. They can transfer money right from their Altra checking or savings from the comfort of the app or website.

We DO NOT charge an Origination fee for VA loans which can save your Veteran Client a hefty chunk of change in their closing costs.

No Underwriter Fees on Any Loan (whatever those are🤷🏼‍♂️)

All in all the point of this post is be choosy about who you refer your folks to. Those clients are trusting you to send them to someone that is going to take care of them from application to closing table.

Why not send them to a lender that can serve them AFTER closing as well🤷🏼‍♂️

Happy Mortgage Monday! You served us, and we are here to serve you with Altra's VA loan.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐚 𝐕𝐀 𝐥𝐨𝐚𝐧? A VA loan is a unique benefit for military service members and veterans who want to purchase a home. A huge advantage of a VA loan is that they require no down payment and have lower interest rates, which makes it easier for eligible borrowers to purchase a home and save money throughout the loans lifetime.

𝐒𝐨 𝐰𝐡𝐲 𝐬𝐡𝐨𝐮𝐥𝐝 𝐈 𝐜𝐡𝐨𝐨𝐬𝐞 𝐀𝐥𝐭𝐫𝐚 𝐟𝐨𝐫 𝐦𝐲 𝐕𝐀 𝐥𝐨𝐚𝐧? Altra is your local lender, with 100% financing of the VA loan, 0% originator fee, no PMI, competitive fixed rates and available for purchase or refinance. We appreciate you and salute our troops!

𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐞𝐝 𝐢𝐧 𝐚 𝐕𝐀 𝐥𝐨𝐚𝐧? Altra's online loan application process is efficient and easy. Talk to one of our Loan Originators today for more details: https://bit.ly/3lInhKm

In today’s market, it takes a lot of skill -- and very little sleep -- to get our buyers the house of their dreams. And we always have access to the MLS!

Give us a call today to schedule some showings! We're always awake and ready to help 💁🏻‍♀️

📱 931 229 0760 📱

Century 21 Platinum Properties
2150 Wilma Rudolph Blvd Suite 1
Kimberly Harris
Clarksville, TN 37040
Office: 931-771-9070
Direct: 931-220-6207
KimberlyHarrisHomes.com
*each office is independently owned & operated