Marcy Langlois -Guild Mortgage

Some financial experts say 3 months, others say $1,000. Find out how much you should save: “https://tinyurl.com/4u656bd3?lo=Marcy-Langlois"

Looking for ways to save on your mortgage? I have some ideas. Just send me a message.

It's time for your weekly look at what's happening with rate movement, the economy and the housing market. Watch to the end for a quick smile.

Academy Mortgage presents: Markets in a Minute See what's going on in the housing marketing THIS week.

Tip #4 is the one you’ve been meaning to do, and tip #9 only takes a few minutes: “https://tinyurl.com/2fs4fzh9?lo=Marcy-Langlois”

During the homebuying process, you will receive a lot of paperwork, including your Closing Disclosure. Your Lender is required to send you a Closing Disclosure that you must receive at least three business days before your closing. It's important that you carefully review the Closing Disclosure to make sure that the terms of your loan are what you are expecting. And if you have questions, don't hesitate to reach out to me anytime.

Should homebuyers pay off their student loans first? Or can they carry student debt and still qualify for a mortgage? The answer to this depends on a few factors: “https://tinyurl.com/5n93c4pu?lo=Marcy-Langlois”

If your clients have concerns about student loans: Let’s talk. I can help you troubleshoot and find solutions.

Planning to buy a home can feel daunting! You can help improve your chances of getting approved for a mortgage by having a good credit score, a steady income, a low DTI, and a sizeable down payment. If this still seems like a lot, don't stress! - I'm here to help you every step of the way. Together, we'll come up with a personalized plan to get you on a path towards homeownership. You're not a loan - give me a call and let's get started.

Do you have clients who’ve closed recently? Feel free to pass along this helpful list: “https://tinyurl.com/er7fdxx2?lo=Marcy-Langlois”

If you want a condensed version of this article to send as an email, just shoot me a message!

It can be easy to get caught up in emotions and ignore facts—this is the opposite of what should happen during the process. When dealing with agents and sellers, ensure a fair deal. Know what your options are and carefully think things through before you make any decisions. If you’re not in the process yet, save the list of tips I’ve been sharing so you can use and review them.

Remember you can always message me with mortgage questions!

Most of us want to have the absolute best of what we can afford. However, when buying a home it is easy to claim something is necessary when it is really just a want. Consider what functions and features of your home you enjoy, this will be a starting point and then you can come up with a list of items and features you’ll need at the new place.

If you’re a young married couple with a small child, then you may feel more comfortable in an area with other younger children. On the other hand, if you are single with no plans to marry, the idea of being in children-packed neighborhood may not be ideal.

If you want to find our more about your area let me know—I can send you a link to a fun website called “Around the Neighborhood” where you can check out the demographics in the area your desired home is.

Is it a good time to buy a house? When your clients inevitably ask, feel free to pass along this resource: “https://tinyurl.com/yc2udrk9?lo=Marcy-Langlois”

DM me if you’d like this article as a co-branded email!

A stress-free home purchase is all about being prepared. How do you get ahead of the game? Gathering your financial paperwork.

Want a concise list of what you need? Shoot me a DM and I can walk you through the list of required documentation. Even better, we have our My Mortgage: Mobile App that makes it easier for you to submit all your paperwork hassle-free and securely submitted. I can send you a download link if you’re interested!

Good real estate agents understand the current housing market. They know neighborhoods, housing inventory, the closing process, and how to negotiate with your best interest in mind. This means you want to hire some knowledgable and experienced! If you’re looking for an agent, let me know. I have an extensive network and I might be able to connect you with someone you’ll enjoy working with.

While you may be buying a house now with long-term plans in mind, that doesn’t mean things won’t change. Keep in mind the target audience that would likely be interested in purchasing your future home if your circumstances change and you decide to sell. If you need to find out “how much home” you can comfortably afford, send me a message and I can help you determine just how much.

The location of the property is the one thing you cannot change. Morning commutes to school and work can be a significant part of daily life. If the new location adds 20–30 minutes to the commute, that means you are giving up almost an hour every day. There are also things like proximity to family, friends, shopping, and entertainment.

Many states have down payment assistance programs that 1st-time buyers or even 2nd-time buyers could qualify for. My DM’s are open, message me if you would like to find out if you qualify for any of these programs.

Buyers with the highest credit scores will usually get approved for lower interest rate mortgages available, and for smaller down payment loans.

Contact me if you’d like to learn other tips on how you can possibly improve your credit score. Together we might be able to create a plan to improve your score.

*Academy Mortgage does not provide credit repair or credit counseling services.

Building your savings account now is important as there are many expenses you’ll need to pay for throughout the homebuying process—as well as later expenses like moving in, decorating, unplanned maintenance, and repair costs.

There are different ways you can start: You can set up an automatic transfer to your savings account from each paycheck, use your savings account to set aside bonuses you earn and tax refunds, etc.

Share this with your friends who want to buy a home in 2024!

The next tip to buying a home is to find out the monthly expenses for your future home, and to start saving for any unexpected costs. Message me if you want help figuring out these numbers and guidance on getting on the path to homeownership this year!

Talking to an experienced lender and getting pre-approved* before shopping for a home is extremely important! Doing this means a mortgage lender has reviewed your paperwork and is ready to give you a loan up to a certain amount before you find your dream home. Contact me today to learn more! Our My Mortgage: Mobile app makes it super easy to get this started.

*Pre-approval is not a commitment to lend.

Friends—starting December 13, I will be posting 12 days of homebuying tips to benefit anyone planning on buying a home in 2024. So, if you know someone planning to buy next year, give the gift of these tips so they can start the homebuying journey on the right path.

A condo isn’t for everyone. But for many of today’s homebuyers, it could be your *ticket to homeownership* if you’re struggling with limited listings and having a tough time finding the right house: "https://tinyurl.com/3a8btkp2?lo=Marcy-Langlois"

Got a minute? Let’s chat about your affordable homeownership options.

Academy Mortgage has been named a 2023 Best Military Lender by National Mortgage Professional. Our nation's military servicemembers and Veterans sacrifice so much to protect our freedoms, and we are grateful to be able to give back by helping them achieve the dream of homeownership. Thank you to our team members who make it a top priority to help those who actively serve or who have served our country.

Are your clients asking if it’s a good time to list? This season has some unique opportunities. Here are our top 5: “https://tinyurl.com/2pf6a9cs?lo=Marcy-Langlois”

If you’d like a condensed version of this article to send as an email, just shoot me a message.

Have you heard about the NEW 2024 conforming loan limit of $766,550? ($1,149,825 in Alaska and Hawaii.)

You don't have to meet the higher requirements of a Jumbo Loan! CALL ME today about this great opportunity to buy!

With consumer debt soaring and expenses on the rise, it’s time to take action. In these challenging times, tap into your home’s equity to increase your cash flow or build a financial safety net. Let’s work together to secure your financial future this fall. Send me a message to find out if you qualify.

You have a packed schedule! You’re trying to stay on top of your health, be successful in your career, spend meaningful time with family, maintain a social calendar – do I need to keep going? While you’re busy crushing goals, don’t let your goal of owning a home fall to the wayside because you’re busy. Whether it’s before you hit the gym or after you’ve clocked out for the day, I’m here to help you make those goals a reality. Contact me today!

As leaves fall, consumer debt rises. Let me change that narrative! With record home equity, it’s time to take control. Consider paying off high-interest debts or securing cash for a rainy day. Your financial future can look brighter. Contact me today to explore your options and regain control of your finances!

You can jumpstart your future finances with an Investment Loan by building potential equity and collecting income with a rental property. If you have any questions about how Investment Loans could help build your future, give me a call!