PenTrust Mortgage Group, Mazzy Decker, NMLS# 2074256

The past few years have highlighted the true value of homeownership, especially the stability and the feeling of accomplishment it can provide. But homeownership has so much more to offer. Homeowners can feel proud of the space they call home and know they’ve made a sound financial investment. This graphic lists just a few key financial and non-financial benefits of owning a home.
—
Whether you are a long-time homeowner, first time buyer, or anything in between, if you're in need of an expert? Look no further. Contact us today.

** Disclaimer - This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/or property taxes

2-1 buydowns can be a win for both the buyer and seller in today’s market. By offering to buy down the buyer’s interest rate, the seller can make the house more affordable without having to cut the asking price.
–
Have questions or do you know a buyer or seller who may benefit from a 2-1 buydown? Contact us today.

Beyond Dollars and Cents: The benefits of owning a home are truly expansive. Homeownership is a way to build financial freedom, find greater satisfaction and happiness, make a substantial impact in your community, as well as many benefits that extend to the next generation.
–
Is owning a home or upgrading to a new one on your list this year? We have the expertise to help you navigate today’s competitive market and reach your homeownership goals. Contact us today.

Considering a remodel or upgrade? Whether you want to improve aesthetics, functionality, or livability, or if the ultimate goal is to increase the home’s value in preparation for a sale – it’s important to know what you can expect to recoup from those upgrades and what will eventually pay off when it comes time to sell.
Check out this graphic highlighting cost recovery on interior projects according to a new report from the National Association of Realtors.
–
Questions about your homeownership goals?
Contact us today.

Whether you’ve owned a home before, or you’re ready to jump into homeownership for the first time, one of the biggest hurdles homebuyers face is saving for a down payment. Don’t let that stop you from pursuing your homeownership dreams.
–
Check out these 6 simple tips to help add to your savings and talk to us about potential down payment assistance programs.
—
Whether you have just begun to save for a down payment or have been saving for years, you may be closer to your dream home than you think! Contact us today.

Some of the top benefits of a reverse mortgage:
1. Convert your home equity into cash.
2. No monthly mortgage payments.*
3. Use the funds for anything you choose.
4. Retain ownership of your home.
5. Flexible ways to receive funds.

*Borrowers must maintain the property and keep current property taxes, homeowner’s insurance, and HOA dues.

Looking for more reasons to consider a reverse mortgage? There’s never been a better time. Contact us today!

Equal housing opportunity. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.

As a homeowner, your equity grows as your home appreciates in value and you make your mortgage payments each month, which is in large part why the net worth gap between owners and renters exists.
–
Homeowners have the benefit of mortgage payments acting as a contribution to a forced savings account – with any built up equity coming back to you when you sell. By contrast, as a renter, you’ll never see a return on the money you pay out in rent every month.
—
Considering a home purchase? We provide a remarkable home loan experience designed specifically for you. Contact us today.

Did you know that 80% of retirees have enough equity in their home to make for a smarter, more secure retirement? It’s true! Leveraging your home equity through a reverse mortgage could play a key role in boosting your retirement financial strategy.

Reach out today, and we’ll walk you through how it all works!

Equal housing opportunity. Reverse mortgage borrowers must maintain the property and keep current property taxes, homeowner’s insurance and HOA dues. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.

FIRST TIME HOMEBUYERS, buying a home just got more affordable! Call me to learn how you can benefit.

New lending guidelines favor FIRST TIME HOMEBUYERS. I'm here to help you navigate the buying process!

Asked to rank the hallmarks of economic prosperity, nearly three-quarters of Americans place the highest priority on owning a home. What’s more – homeownership is front and center in the American dream in most age groups, and it’s the most-mentioned milestone among Americans 26 and older.

Are you considering making a move or purchasing your first home? We have the expertise to help you navigate today’s competitive market and reach your homeownership goals. Contact us today.

Disclaimer - This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/or property taxes

What is a reverse mortgage? Simply put, a reverse mortgage loan allows borrowers aged 62 years and older to access their home equity and turn it into tax-free cash — while retaining home ownership and residency.
To date, more than 1,000,000 seniors have used a reverse mortgage. Should you be next? Reach out to me to learn more!

Equal housing opportunity. Reverse mortgage borrowers must maintain the property and keep current property taxes, homeowner’s insurance and HOA dues. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.

If you’re self-employed and have plans to purchase a home this year, meet with a lender before filing your 2023 taxes. Why?

For the self-employed, typically, you or your CPA will look to write off as much as possible when filing your taxes in order to lower your taxable income. While this can save you money, it can also make it more difficult for you to qualify for a mortgage. Before officially submitting your taxes, have your lender look at a draft to ensure that you are showing enough income to qualify.
* * *
Disclaimer - This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/or property taxes

Our newest jumbo product could be the perfect loan for you. Available as a 7 or 10-year jumbo adjustable-rate mortgage (ARM), take advantage of some of our most competitive jumbo pricing. Call us today to learn more!

Record levels of home price appreciation have spurred significant equity gains for homeowners over the past few years. For those looking to sell their home, home equity can be a real game-changer, especially if you’ve been in your current home for a while.
—
Considering selling your current home or making a home purchase? Let’s talk about potential benefits and your options for the next chapter. Contact us today!

Did you know that 80% of retirees have enough equity in their home to make for a smarter, more secure retirement? It’s true! Leveraging your home equity through a reverse mortgage could play a key role in boosting your retirement financial strategy.

Reach out today, and we’ll walk you through how it all works!

Equal housing opportunity. Reverse mortgage borrowers must maintain the property and keep current property taxes, homeowner’s insurance and HOA dues. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.

What is an earnest money deposit? And how does earnest money work? So glad you asked! In this graphic we explain the basics of an earnest money deposit and how it works.

Comment below with your questions on earnest money - or another home financing or homeownership topic!

We have the expertise to help you navigate today’s competitive market and reach your homeownership goals. Contact us today.

If you take out a reverse mortgage, what’s required of you? Very little! All you have to do is 1) maintain the home as your primary residence, and 2) keep up with payments on property taxes, insurance, and HOA or maintenance costs. That’s it!

Sound appealing? Discover a way to stabilize your retirement by contacting us today!

Equal housing opportunity. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.

Did You Know: Today’s Median Down Payment Is Less Than 20% for most home buyer age groups and the average overall. Saving for a down payment and concerns around how much is enough can feel like one of the biggest obstacles for homebuyers – but it doesn’t have to be that way! This graph looks at the median down payment for recent home buyers, broken down by age group – and it’s much lower than you’d expect.

Don’t let down payment myths keep you from hitting your homeownership goals. Contact us today.

As a retiree, do you face any of these challenges?

- Inflation of living and healthcare costs
- Increased medical spending
- Modest 401(k) balances
- Smaller nest eggs and lack of a financial safety net
- High costs of downsizing/relocating

If so, the good news is that a reverse mortgage might be able to help address your concerns. Learn more about this smart financial tool today!

Equal housing opportunity. Reverse mortgage borrowers must maintain the property and keep current property taxes, homeowner’s insurance and HOA dues. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.

A common misconception about down payment assistance programs is that there’s only assistance available for first-time homebuyers. While first-time buyers may have more options to explore, the stat with this post shows that repeat buyers could qualify for over one-third of the assistance programs available.
–
Let’s discuss your situation and homeownership goals and discover if a down payment assistance program could help you on your journey.
—
Need a local expert? Look no further. Contact us today!

What is a reverse mortgage? Simply put, a reverse mortgage loan allows borrowers over age 62 to access their home equity and turn it into tax-free cash — while retaining home ownership and residency.
To date, more than 1,000,000 seniors have used a reverse mortgage. Should you be next? Reach out to me to learn more!
Equal housing opportunity. Reverse mortgage borrowers must maintain the property and keep current property taxes, homeowner’s insurance and HOA dues. This material is not from HUD or FHA, nor was this approved, endorsed by, or on behalf of any Government Agency. For licensing see www.nmlsconsumeraccess.org.