John Hinks Jr Mortgage Team

🌟 Throwback Thursday 🌟
 
Let’s take a trip down memory lane! Share a photo of your favorite childhood home or a dream home from your past and tell us what made it special. 🏡✨
 
Then, drop a comment with what your dream home looks like today and how we can help you find it. Whether it’s a cozy cottage or a modern mansion, we’re here to turn those dream home visions into reality!
 
Bonus: Tag a friend who’s on the home-buying journey and let’s inspire each other! 🚀
 

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

Are you a mortgage loan originator in the Asheville, NC area? You don’t want to miss this! Come collaborate with us at this interactive workshop and let’s all work together towards a more peaceful, productive, cage-free career!

www.becageless.com

Happy Labor Day from Lending Path!

As we celebrate the contributions and hard work of every individual, we want to take a moment to express our gratitude to all the dedicated professionals who make our communities thrive.

Whether you’re enjoying a well-deserved break or spending time with loved ones, we hope you have a relaxing and joyful day. If you’re thinking about your future home or refinancing options, we’re here to help make your dreams a reality.

Thank you for all that you do, and here’s to a day of rest and celebration!

🔑🏠

I know “the history of mortgages” sound boring, but there is actually some pretty interesting information out there!

1. Ancient Beginnings: 🏛️ The concept of mortgages dates back to ancient civilizations. The term “mortgage” is derived from a French law term that means “dead pledge” 💀, as the deal “dies” either when the debt is paid off or the property is taken through foreclosure.

2. First Mortgage in the U.S.: 📜 The earliest known use of a mortgage in the United States occurred in the 1630s, when the colony of New Netherland (which later became New York) was established. The Dutch settlers used mortgages to purchase land, 🏞️ securing loans against the property just like we do today.

3. Fixed-Rate Mortgages Were Not Always the Norm: 📉 Fixed-rate mortgages, now a common standard in the U.S., became widely available only after the Great Depression. 🌪️ Before that, most mortgages had short terms and required a large final payment (balloon payment 🎈). The creation of the Federal Housing Administration (FHA) in 1934 introduced 15- and 30-year fixed-rate mortgages, making homeownership 🏡 more accessible to the average American.

•••

Want to take mortgages or history? Reach out!

John Hinks Jr.
Lending Path Mortgage
NMLS 335154
www.johnhinksjr.com

Get your ticket today! www.becageless.com

📑 Mortgage Monday: From Contract to Close Series–Closing Disclosure 📑
 
As you approach the finish line, you’ll receive your Closing Disclosure a few days before closing. This crucial document provides a detailed breakdown of your loan terms, monthly payments, and closing costs. It’s your final chance to review everything before you sign on the dotted line!
Be sure to read through it carefully and make sure all details are accurate. This step is key to a smooth closing process. 📝✨
 

Jennifer Eidson, Lending Path Mortgage NMLS # 1674247 is a rockstar!

Your efforts don't go unnoticed. You're a rock star, and we appreciate all that you do. Thank you for consistently going the extra mile and setting a high standard for us all. Your commitment to excellence is a testament to your character. Your contributions are invaluable to our team’s success.

Meredith lit up every room and every life she was a part of. Our deepest condolences go out to her family.

You will be greatly missed, my friend.

It is with deep sadness that we share the news of Meredith Dial's passing, a cherished wife to Chad and devoted mother to Owen and Myatt.

As a treasured community member, Meredith was a radiant light that touched all of our lives. We extend our deepest condolences to Chad and their boys, holding them close in our thoughts and in our hearts.

🚀 Mortgage Monday: From Contract to Close – Underwriting Explained! 📄🔍
 
Now that we’ve got your contract in hand, it’s time to dive into underwriting! This crucial stage is where your loan gets a thorough review to ensure everything checks out for approval. 📋✅
 
What to Expect:
 
• Additional Documentation: You might be asked for more paperwork. Don’t worry, it’s all part of the process!
• Patience is Key: Underwriting can take some time, so hang tight. We’re working hard to get your loan approved smoothly.
 
Got questions? Drop them below or reach out anytime! Let’s make this process as smooth as possible. 🌟

Open House in Gilbert Get the Current Price, Photos, Details & More Now!

🏡 Mortgage Term Thursday: Non-Traditional Gifts 🎁
 
What are non-traditional gifts? These are funds received from sources outside of immediate family members—think close friends, employers, or even organizations.
Here’s what you need to know:
• Documentation Requirements: Non-traditional gifts may come with additional documentation, such as a detailed gift letter or proof of your relationship with the donor.
• Preparation is Key: If you’re considering using these funds for your home purchase, let’s make sure you’re fully prepared to navigate any requirements.
 
Have questions about how non-traditional gifts can help you? I’m here to assist!
 
 
 
Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org Lending Path NMLS #30998

👀

🏡 Mortgage Monday: Contract to Close Series 🔍
Once your offer is accepted, it’s time for two critical steps: the home inspection and appraisal!

🔧 Home Inspection: This step ensures the home is in good condition and identifies any potential issues that may need addressing before you move in.

💰 Appraisal: This determines the home’s market value, which is essential for securing your loan and ensuring you’re making a sound investment.
Both processes are crucial for a smooth closing! If you have questions or need guidance, 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

✨Beautiful home in Chapin, listed by Maggy Sanchez✨

View this gorgeous, one of a kind home in Leesville! Stop by the open house this Sunday from 2-4pm and enjoy light refreshments while you stroll through this lovely home!

153 Langsdale Road - MLS#587795 - Anthony Pelekakis - Tzedi Co View photos and detailed information for 153 Langsdale Road, MLS #587795, don't miss your chance to own this hot property!

We are coming to Asheville!

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🔓Unlock your full potential as a mortgage loan originator with Cageless, a transformative 3-hour workshop designed to help you identify your ideal clients, streamline your marketing strategy, and master time management. Learn how to market yourself effectively without burning out and become an indispensable asset to real estate agents. Join us to increase your production while maintaining a balanced and fulfilling life. Don’t miss this opportunity to elevate your career to new heights!

Register today!

www.becageless.com

Thank you to my referral partners and clients for trusting me!

Ready to talk about your options?

www.johnhinksjr.com

🥳 Congratulations to the top-producing loan officers for the month of July! 🎉🎉

I have lived most of my life in good ‘ol Columbia, SC! It has a rich history, & I wanted to share a few historical facts about my hometown.

1. **First Planned Capital**: Columbia was the first planned capital city in the United States. In 1786, it was chosen as the state capital of South Carolina, replacing Charleston due to its central location.

2. **Burning of Columbia**: During the American Civil War, Columbia was significantly damaged by fire in 1865. While it remains a topic of historical debate, many believe that Union troops under General William T. Sherman were responsible for the burning of the city.

3. **Home to the First Textile Mill**: Columbia was home to the first electrically powered textile mill in the world. The Columbia Mills Building, later known as the State Museum, was built in 1894 and was a pioneering site in industrial technology.

4. **The Arsenal Academy**: Before it became the campus for the University of South Carolina, the Arsenal Academy was a military school that played a role in the Civil War. Cadets from the academy were involved in the firing on Fort Sumter, which marked the beginning of the Civil War.

5. **Fort Jackson**: Fort Jackson, located in Columbia, is the largest and most active Initial Entry Training Center in the U.S. Army. Established in 1917 during World War I, it continues to be a critical military training base.

📊 Term Thursday Gift Fund Series: Gift Fund Limits
 
Different mortgage types have varying limits on how much of your down payment or closing costs can be covered by gift funds. For example, FHA loans often allow for 100% of the down payment to come from gifts, while conventional loans may have different limits.
Understanding these guidelines is crucial for effective planning.
 
🏡 If you’re considering using gift funds for your home purchase, let’s discuss how they can work for you!
 
 
 
Equal Housing Opp For more licensing information, please visit the NMLS Consumer Access page http://www.nmlsconsumeraccess.org Lending Path NMLS #30998

Great home for $252k!

Do you qualify? www.johnhinksjr.com

What a house! Close to the lake, too!

Need financing? Call me 803-546-0522 or go to www.johnhinksjr.com

***SECOND CHANCES DO EXIST***

This all-brick stunner in Brittany II is on back the market!

The basics:

🛌 3 (with a bonus that could be a 4th)
🛀 2.5
📏 2800 sq ft
📍 mere minutes to Lake Murray

Designer touches all over, and agents 👀 that bonus!

📲 Call Erin White for more info or to schedule your own private tour! 803-479-2406

Go here for more info:
https://tzedico.com/153-langsdale-road