Emily Cannon, MLO at Lending Path Mortgage

Happy mortgage Monday, everyone! 🏡

Have you ever wondered how long a pre-approval lasts? Typically, a mortgage pre-approval is valid for about 60-90 days. This gives you plenty of time to shop for your dream home with confidence! If you have any questions about the pre-approval process or need guidance on securing your mortgage, feel free to reach out. I'm here to help!



Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

🏡 Weekends just got better because I'm here for all your home buying needs! Whether it's Saturday, Sunday, or any day in between, I've got your back! 💼 Call me now for your preapproval and let's turn your dream home into a reality! 📞

🏠

Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

🌟If you find yourself in a situation where you don't qualify for a home loan, it's essential to understand why and explore your options. Here are some steps you can take:

Check your finances.
Improve your credit score.
Save for a larger down payment.
Explore alternative loan options.
Consider a co-signer.

🌟 Remember that being denied a home loan is not the end of the road. With patience, persistence, and strategic planning, you can take steps to improve your financial situation and increase your chances of qualifying for a loan in the future. Call me today to discuss your home ownership goals!



Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

Happy National Donut Day! 🍩🎉

Did you know that finding the perfect mortgage can be as delightful as biting into your favorite donut? Just like selecting the ideal flavor, discovering the right mortgage tailored to your needs can be satisfying. I'm here to simplify the process and guide you every step of the way. Let's make your homeownership journey as sweet as indulging in a delicious donut!



Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

🥚🏡 Happy National Egg Day! Just like the perfect egg makes a recipe complete, the right mortgage can make your dream home a reality. Let's crack open your homebuying potential today! Reach out and let's get cracking on finding the perfect loan for you. 🏡🥚

🥚🏡

Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org. Lending Path NMLS #30998 Consumer Access

🏡✨ Don't let the homebuying journey overwhelm you! As your trusted mortgage loan officer, I'm here to guide and support you every step of the way. Reach out today and let's turn your dream home into a reality. Your perfect place awaits!

🏡✨

Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org. Lending Path NMLS #30998 Consumer Access

🔍🏡 Welcome to , where we dive deep into the world of homeownership! Today, let's talk about the real cost of renting versus owning. 💡💼

💰 Reality Check: Did you know that if you spend $2,500 in rent each month, that adds up to a whopping $150,000 over five years? That's a significant amount with no return on investment. 📉

🏠 Renting provides flexibility, but it doesn't build equity or offer any financial return. On the other hand, owning a home allows you to invest in your future by building equity as you pay down your mortgage and potentially benefit from property appreciation. 📈💼

💡 So, why focus on this today? Because understanding the financial implications of renting versus owning is crucial for your long-term financial health and wealth-building goals. It's time to shift the focus from paying someone else's mortgage to investing in your own future! 🚀🏡

💬 Ready to explore the path to homeownership and start building equity? Let's chat today about how you can make your homeownership dreams a reality! 💬🌟

Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

Don't let those thoughts linger, take action today! Reach out to me, your friendly neighborhood mortgage lender. Don't wait any longer to start building your future in the perfect home. Let's make it happen together! 🚀 🏡

Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org Lending Path NMLS #30998 Consumer Access

Feeling cramped in your current space? Let's find you the perfect square footage to stretch out and call home sweet home! If you're on the hunt for a new place this weekend, I've got your back with pre-approval assistance. Let's make your dream home a reality. Give me a call!🏡✨
Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org
Lending Path NMLS #30998 Consumer Access

🏡 Exploring Mortgage Options? Here's the lowdown: 💼 Conventional: Standard route, requires good credit & down payment. 🏠 FHA: Perfect for first-timers, lower down payment, and credit-friendly. 🌾 USDA: 100% financing for rural homebuyers meeting income limits. 🎖️ VA: Benefits for our heroes—no down payment & PMI. Ready to make a move? Let's chat! 🚀🔑

🌸🏡 Focus Friday: Mother's Day Weekend House Hunting!
Hello, beautiful souls! 🌺 As we gear up to celebrate the wonderful mothers in our lives this weekend, let's add a touch of excitement to the festivities by embarking on a house hunting adventure! 🏠✨

What better way to honor the amazing moms out there than by securing a place where cherished memories will blossom and families will thrive? 💖 This Mother's Day weekend, let's explore the possibility of finding that perfect home where love grows stronger with each passing day.

Whether you're a mom looking for a cozy nest for your family or you're searching for a special place to treat your mom to, I'm here to guide you every step of the way. 🌷 And remember, getting pre-qualified is the perfect gift to yourself and your loved ones this Mother's Day – it sets the stage for a smooth home-buying journey!

So, as you celebrate this special weekend, take a moment to envision the joy of creating new memories in your dream home. Give me a call today for a pre-qualification consultation and let's make your Mother's Day weekend extra memorable! 📞🏡

🏡 As a mortgage loan officer, I'm here to remind you: Real estate is more than just a place to live—it's an investment in your future. Here's why:
1️⃣ Long-Term Vision: Look beyond the present market conditions and focus on properties with potential for appreciation and growth over time. Investing in the right property now can yield significant returns down the road.
2️⃣ Financial Stability: Real estate is a tangible asset that can provide stability and security for your financial future. Choose properties that align with your long-term financial goals and vision.
3️⃣ Equity Building: Homeownership allows you to build equity as you pay down your mortgage and your property value appreciates. This equity can be leveraged for future investments or financial needs.
4️⃣ Tax Benefits: Owning real estate comes with tax advantages, such as deductions for mortgage interest and property taxes. These benefits can contribute to your overall financial well-being.
5️⃣ Diversification: Investing in real estate diversifies your investment portfolio, reducing risk and increasing potential returns. It's a valuable addition to any investment strategy.
In today's market, it's crucial to think strategically about your real estate decisions. Prioritize properties that align with your long-term vision and have the potential for appreciation and growth. Let's work together to find the perfect investment property for you! 🏡💼 Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org Lending Path NMLS #30998 Consumer Access

🌸 Happy May Day! 🌼

Let's celebrate the beauty of spring and the hard work that blooms success. At Lending Path we're grateful for the dedication of our team and the support of our community. May this day be filled with joy, growth, and prosperity for all. Wishing you a vibrant May Day from all of us!

🌷🌞

🏠 Don't let market shifts shake your confidence! Whether you're buying or selling, there are always opportunities to win in the real estate game. As a loan officer, I'm here to guide you through Mortgage Monday and beyond, ensuring you secure the best deals and navigate any market fluctuations with ease. Let's turn those Monday blues into mortgage victories! 💪



Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page

http://www.nmlsconsumeraccess.org.

Lending Path NMLS #30998 Consumer Access

🏡 Exploring Home Loan Options? Let's focus on the basics:

FHA Loan:
Low down payment (3.5%)
Flexible credit requirements
Great for first-time buyers

USDA Loan:
100% financing available
Designed for rural areas
Income eligibility required

VA Loan:
Exclusive for veterans & active-duty
100% financing, no PMI
Lower interest rates

Conventional Loan:
Down payments from 3% to 20%
Stricter criteria on credit & income compared to a gov backed loan.
PMI may be required

🔍 Explore your options and find the best fit for your dream home!

Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

🌍 Happy Earth Day!

🌱 Today, let's celebrate our beautiful planet... Looking for ways to celebrate Earth Day at home? Here are a couple of simple yet impactful things you can do:

1.Reduce, Reuse, Recycle: Start by decluttering and recycling items you no longer need. Consider repurposing or donating them to reduce waste.

2.Save Energy: Turn off lights and unplug electronics when not in use. Consider switching to energy-efficient appliances and using natural lighting whenever possible.
Small actions like these can add up to make a big difference for our planet. Happy Earth Day! 🌎♻️



Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page

http://www.nmlsconsumeraccess.org.

Lending Path NMLS #30998 Consumer Access

🏡 Considering a Mortgage Refinance? Here Are 4 Reasons Why It Might Be a Smart Move! 📈💰

1 Lower Your Monthly Payment with A Reduced Rate: Maybe you don't have a historically low 2020 rate... By refinancing to a lower interest rate, you could potentially save thousands of dollars over the life of your loan by lowering your monthly payment.

2 Change Your Loan Term: Want to pay off your mortgage faster? Refinancing to a shorter loan term, such as a 15-year mortgage, can help you build equity quicker and save on interest in the long run.

3 Tap into Home Equity: If you've built up equity in your home, refinancing can allow you to access that equity to fund home improvements, consolidate debt, or cover unexpected expenses.

4 Switch to a Different Loan Type: Whether you're looking to switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more stability or vice versa, refinancing gives you the opportunity to choose a loan type that better suits your financial needs.

Ready to explore your refinancing options? Contact me today to discuss how refinancing could benefit you and your financial goals!



🏠💸 Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

🌟 Exciting News Alert! 🌟

Introducing the Palmetto Heroes Program! 🎉🏡

🔥 Are you a hero in our community? Whether you're a firefighter, law enforcement officer, teacher, nurse, or EMS personnel, this program is designed just for YOU!

🏠 The Palmetto Heroes Program offers fantastic benefits to help our local heroes achieve their dream of homeownership. From down payment assistance to competitive mortgage rates, we've got your back every step of the way.

💰 Plus, with special incentives and savings, owning your dream home is more attainable than ever before!

🌟 Spread the word and tag your hero friends! Let them know about this incredible opportunity to make their homeownership dreams a reality.

📞 Want to learn more? Reach out to us today and let's start the journey to your new home together!

🏡❤️

Thinking about buying a home? Here's a quick breakdown to help you understand how much home you can afford:

Income: Lenders assess your income to gauge your ability to make mortgage payments. Generally, your monthly mortgage payment shouldn't exceed 28% of your gross monthly income.

Debt-to-Income Ratio (DTI): Lenders consider your DTI, which is your total monthly debt payments divided by your gross monthly income.

Credit Score: Your credit score impacts the interest rate you'll receive. A higher score typically means a lower rate. Aim for a credit score of 700 or above for the best rates.

Interest Rate: The interest rate affects your monthly payment and total loan cost. Even a small difference in rates can impact your finances significantly.

Remember, these are just some of the key factors that lenders consider when determining how much home you can afford. It's essential to evaluate your financial situation carefully and consider all the costs associated with homeownership, including property taxes, homeowners insurance, and maintenance expenses. Working with a trusted Lender helps when trying to navigate through the home buying process & finding that special product that fits your needs and your budget. Lets chat TODAY!

Closing costs are typically 1.5% of the purchase price. Your Lender wants to see that amount saved on top of your down payment for at least 90 days prior to your mortgage close date.



Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998 Consumer Access

Don't be in the dark about your options - let us guide you towards the light of homeownership!

April showings bring May closings! Lets chat about getting you prequalified today.

Lets focus on cash out refi's this Friday! You may not realize that by refinancing your mortgage you could pay off your debt, possibly lower your payment, use the cash out to do home renovations, or even take a trip! Some things just make sense... And when you are paying on HIGH INTEREST credit cards monthly how much money are you throwing away? Call me today and let's look at your options!



Equal Housing Opp for more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org Lending Path NMLS #30998

Asking for seller concessions is a great strategy in real estate to save you or your client money at closing. In this scenario, the buyer on the left may offer under list price to get a "better" deal. In this case, they may pay slightly less for the home but have to pay more out of pocket at closing. The buyer that asks for seller concessions can offer full price for the home and reduce their out of pocket by close to 5k. Call me & lets chat about your options today! Equal Housing Opp For more licensing information, please visit the NMLS Consumer

Access page http://www.nmlsconsumeraccess.org. Lending Path NMLS #30998

Time out! -- Can we just FOCUS for a second on what kind of opportunities you will miss out on if you do not own real estate? THE one thing that doesn't seem to ever depreciate ESPECIALLY in 2024 is ... you guessed it... REAL ESTATE! Don't wait, BUY NOW! Give me a call today to start your seamless process.



For more licensing information, please visit the NMLS Consumer Access page
http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998

It's the first DAY OF SPRING!!!🪻🌷
THE BEST time to buy or sell a home...

"Happy Mortgage Monday! Friends don't let friends rent forever... Unless your planning to pay off your landlords mortgage, you might want to invest in your own. My goal is to provide the BEST Home buying experience to valued customers like you. Lets get you in a house!"

For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org.
Lending Path NMLS #30998

May the luck of the Irish be with you this St. Patrick's Day! 🍀🌈