Irene Rojas - First Alliance Home Mortgage

Buying your own place is a big commitment, so follow the golden rules of home buying no matter how large a down payment you’re planning to make.

Consider buying when:

- You're already spending your money on rent instead of putting into equity.
- You won’t clean out your savings to pay for the down payment and closing costs. You’ll still need money left over for maintenance, repairs, and non-housing emergency expenses.
- Your credit score is in good shape. A score of 720 or above in the FICO scoring model will get you the best chance at qualifying for a loan with the lowest interest rates available.
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Not all home loans are the same. Knowing what kind of loan is most appropriate for your situation prepares you for getting the best deal.

At FAHM, our mission is to separate you from other buyers. We do this by providing creative financial options and timely ex*****on. We will provide a complete review and approval of your application subject to a contract of sale and an appraisal. This makes you a "PowerBuyer" and the seller will be confident in your ability to perform.

Contact me today & become a PowerBuyer🤑💪
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If you're thinking of buying in 2022, consider these 4 tips ✅

SECRET TIP: Working with a local agent and mortgage advisor can make buying a home so much smoother.😊

Let's get connected and build your mortgage plan together!
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Getting a pre-approval should be the first thing you do when beginning the homebuying process. This confirms to the seller that you’re a "PowerBuyer" and fully approved for your mortgage subject only to an appraisal.

Want to know how much home you can afford? Visit my website to get started. I will get in contact with you and begin reviewing your income, credit and financial information and complete your pre-approval. You'll also receive my valuable Guide to Homeownership. 🏡
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If you're considering purchasing your first home or an investment property, make sure you speak with me about what payments are right for you. I can assist you in taking that into consideration when deciding on a loan amount.

Even though you may qualify for a certain amount, you don't want to become burdened by payments. Getting pre-approved for your loan before house hunting is a great time for this conversation.
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Anyone else wear a cape? Helping families achieve the American Dream is my superpower!💪 🦸‍♂️💥

Want to be next? Trust in me and I'll provide you with all the expert advice, loan options, and best service you deserve!
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A down payment is a percentage of your home’s purchase price that you pay when you close your home loan. We often look at the down payment amount as your investment in the home.

Here are some tips on how you can save the most for your down payment:

-Find out how much you need to save by getting a pre-approval
-Set a save by date
-Stick to a personal budget for your monthly spending
-Put extra money aside in your savings account

Keep in mind that there are plenty of options for how much you can put down when purchasing home, including $0 down. Don't let the down payment scare you out of finding your dream 🏡!
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Wondering which home loan is right for you? Here's a breakdown of the 4 most common types of home loans!

✔️ Conventional loans are the most common home loans for buyers.

✔️ FHA would be the best choice if you're a first-time buyer looking to put a low down payment!

✔️ VA Loans do not require you to have a down payment.

✔️ USDA Loans offer you flexibility with credit.
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The smartest strategy for accessing your home equity depends mostly on what you want to do with the money. Of course, your credit score and your financial situation matter, too. However, they will be factors regardless of which option you choose.

💲 For lump-sum expenses or debt consolidation

💲 For home improvements or launching a business

💲To pay off car loans or credit cards
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Do you have what it takes?

These are the 4 things as a lender that we look at when you're looking to get pre-approved.✅

If you need any guidance or have questions on how to proceed give me a call, I'd be happy to answer your questions.👍

After all that's what I'm here for!
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Understand the different choices that together make up a loan option. You can start to look at homes and explore loan choices at the same time.

Give me a call or message me today for your best loan option!📲

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