Asia D Newell, Mortgage Loan Officer at Huntington Bank, NMLS 904364

Ever wonder what factors into a mortgage lender's decision? Knowing these could significantly improve your chances of loan approval. Here's what they're often looking at:

1️⃣ Your down payment - bigger is usually better.
2️⃣ Your credit history - the past can speak volumes.
3️⃣ Your work history - stability matters.
4️⃣ Your debt-to-income ratio - can you comfortably handle this loan?
5️⃣ The type of loan you want - different loans have different rules.

Knowledge is power, especially when it comes to securing a home loan!

Thank you to all of our customers for letting us serve you. Thank you to all our colleagues. Thank you for following our social media account. Thank you for, you know, just being you. Now please pass it on -- after all, it’s International Thank You Day. Whom are you thanking today?

Of course, you are! Call today if you're ready to own your dream home.

Embrace the power of a positive mindset—it's the secret weapon in achieving your real estate dreams.

Whether it's buying your first home or selling for a profit, decide it's going to happen. Shift from hoping to happening, and watch your goals transform into reality.

Remember, a determined mind is unstoppable. Bookmark this post as your nudge towards greatness!

Gifts that turn houses into homes. 🏡✨ From artisanal candle sets and personalized nameplates to potted plants and gourmet kitchen essentials, find the right gift for someone who's going through a home-buying journey to show your support!

Check out these gift ideas!

1) Personalized Home Decor
- Monogrammed Doormat
- Customized House Sign or Plaque

2) Kitchen Essentials
- High-quality Knife Set
- Unique Serving Dishes or Bowls
- Specialty Coffee or Tea Maker

3) Greenery and Plants
- Indoor Plants
- Decorative Planters
- Herb Garden Kit

4) Local Artisanal Goods
- Locally-made Candles
- Artisanal Food Basket

5) Tech and Smart Home Devices
- Smart Home Assistant
- Smart Light Bulbs
- Video Doorbell

Remember, the best housewarming gifts consider the recipients' tastes and needs. It's always good to think about what they might find useful or enjoyable in their new space.

Ready to safeguard your finances from inflation? 🏡

By locking in a fixed-rate mortgage, you ensure that your monthly housing expenses remain consistent, even if the cost of everything else skyrockets. On the other hand, if you're renting, don't be surprised if rent hikes pop up annually to keep pace with inflation.

Interested in navigating these economic waters with a home of your own? Reach out, and let's chat about the perks of homeownership.

Check off your path to happiness: Be kind, lend a hand, give thanks, and let love grow. And when you're ready to put down roots, finding a home that echoes your joy is key.

Let's embark on that journey together. Your happy place awaits.

Getting ready to buy a home and feeling overwhelmed with the mortgage process?

Start by asking these crucial questions:

1️⃣ What type of mortgage would be best for me?
2️⃣ What would the interest rate be?
3️⃣ How big of a down payment will I need?
4️⃣ What other costs should I expect at closing?

Being well-prepared and informed will make your home-buying journey smoother and more successful.

If you need any guidance, feel free to reach out anytime and we can get these questions answered! 🏡

Navigating the home loan world as a self-employed individual? It can be tricky! 🏠

Sometimes, writing off a large part of your income for tax purposes makes it appear like you have less spending money, making mortgages harder to secure.

But don't worry! With the right guidance and understanding of the lending landscape, your dream home can still be within reach.

Reach out, and let's find the best path for you!

Interest rates are just one piece of the puzzle when it comes to buying a home. The home buying process is a complex transaction with many, many different components.

That means that you can’t only look at interest rates when you’re deciding whether or not to buy. You also need to consider these things:
- Your financial situation
- Your down payment
- Your credit score
- Different mortgage types and terms
- Your wants and needs for a home

If you want to talk more about whether now is the right time for you to buy or not, send a DM! We’ll chat and you’ll get the info you need to make a smart, informed decision.

Coffee gets me going, and referrals keep me going! If you know someone looking to buy or sell a home, I would be grateful for the referral.

Season of giving alert! 🌟 In addition to financial donations, this is a great time of year to donate any new or gently used clothes, toys, and household items that aren't sparking joy anymore. It's a win-win: you declutter, someone benefits!

Attention savvy shoppers! 🛒 Drop your most exciting Black Friday deals found in the comments below and let’s create a treasure trove of savings together. Happy deal hunting!

Happy Black Friday, everyone! 🖤 Unveil the spectacular deals and exclusive discounts that await you in stores and online. Let the shopping spree commence! What are you trying to save on?

Finding joy in the everyday? 🌟 It starts with gratitude.

By cherishing everything – from that perfect cup of morning coffee to those big life-changing events – you begin to see the silver linings and small miracles in everyday routines.

It's all about appreciating the little things and recognizing that every day has its own kind of magic.

🛍 Black Friday is on its way!

Before diving into the big chain deals, think local. Our community's charm is crafted by these local gems.

Spread the word about the best local spots, and together, let's make this Black Friday special for our community!

When you are speaking with a mortgage lender, it's okay to ask questions! In fact, it's encouraged. This has to do with the biggest purchase of your life, so you want to make sure you understand interest rates, different types of mortgages, costs, monthly payments, and more. If you have any questions about this process, send a DM!

Did you know that loans and mortgages aren't one-size-fits-all?

Your unique circumstances call for a tailored approach. Whether it's your first home or your next investment, the right loan makes all the difference.

Ready to talk numbers and navigate your options? A simple phone call could be your first step to financial clarity.

If your home sells more quickly than you expect it to, that's a good thing, right!? For most sellers, it's a resounding YES. For others, that might mean you're scrambling to find a place to live before your next closing date.

In certain situations, we might negotiate a leaseback with the buyer. A leaseback occurs when the buyer agrees to rent a home back to the seller for a predetermined period of time so that they can remain in the property.

​This is an option for sellers who get an offer before they've found their new home, as it assures the funds to make an eventual move plus a grace period so you don't have to rush into another purchase.

Embrace the gift of an extra hour as we fall back into daylight saving time! Let the shorter days be a reminder to slow down and savor each cozy moment this season offers. Happy Fall, everyone!