Brad Cook - Guild Mortgage

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.

If you’re preparing to buy a home, have you started to budget for your closing costs? Find out how much you can expect to pay—and then contact me for more info on reducing them: “https://tinyurl.com/mvwm2ra6?lo=Brad-Cook”

Happy Valentine’s Day! Here’s how other countries celebrate:

1. Bulgaria – February 14 is the "day of winemakers," and festivities feature local wine.
2. Japan - Women give chocolates to men. A month later, on White Day, men reciprocate with gifts.
3. Mexico - Celebrations involve both romantic and platonic relationships.
4. Philippines – In recent years, mass weddings have been gaining popularity.
5. Wales –Traditionally, couples have exchanged hand-carved wooden spoons.

Hoping your day is filled with sweetness, love, and laughter.

Exciting update! Mortgage rates are dropping, opening doors to improved affordability and more buying power for you! Yet, with lower rates comes increased competition and potential challenges. The good news? You still have time to take advantage, positioning yourself for lower rates and negotiation power. Ready to dive into homeownership? Comment below or DM me to kickstart your homeownership journey!

I think at least 2 of these strategies might be helpful to your clients—using a Temporary Buydown to reduce their rate for the first few years of homeownership and considering downsizing to get ahead. Feel free to pass along this list: “https://tinyurl.com/2p8c995s?lo=Brad-Cook”

Are you a homebuyer looking at a fixer-upper? Or maybe you’re a homeowner who’s ready to renovate? Find out which home renovations have the highest—and the lowest—return on investment: “https://tinyurl.com/nxv42b8d?lo=Brad-Cook”

If you have questions about how to fund your renovations, just send me a message.

Embrace change and make 2024 the year your living space reflects the shifts in your life. Whether it's a new job, the bliss of retirement, or changing family dynamics, your home should evolve with you! Our Team at Academy Mortgage is here to support your journey, helping you find the perfect mortgage for your new chapter. Call today. Let's turn life's changes into opportunities for a fresh start!

Good news travels fast! Mortgage rates are down, opening doors for homebuyers. Lower rates mean more buying power but also increased competition. Don't worry – if you act now, you can enjoy reduced rates and keep negotiating power! Don't miss this unique opportunity – reach out today for a free mortgage consultation, and let's get started on your homeownership journey!

Sign #1: If your home feels too small or too big, it may be time to find something just right – “https://tinyurl.com/5n7sjspt?lo=Brad-Cook”

Have questions about trading up or downsizing? Just send me a message.

Location, Location, Location!

They say it for a reason. The right neighborhood can make all the difference. Whether it's a short commute to work, your favorite schools, or easy access to amenities and public services, your surroundings matter. Our Team at Academy Mortgage is here to guide you to a mortgage that fits your needs. Will 2024 be the year that home is not just a place but a perfect location for your lifestyle? Call us today.

Lowering your rate isn’t the only reason to refinance. You might also want to shorten/lengthen your loan term, drop monthly mortgage insurance, or cash out on your growing equity. Take a look at this infographic to find out when refinancing might make sense: “https://tinyurl.com/4w5d5h8j?lo=Brad-Cook”

If it’s been a while since you’ve checked in, give me a call or send me a message. We can set up a quick (and complimentary) meeting to make sure your mortgage stays in great shape.

Embrace a fresh start and discover a home that inspires you.

Whether it's more space to create, a cozy nook to unwind, or a kitchen that sparks joy, let our Team at Academy Mortgage guide you on the journey to financing your dream home. Call today. Let's make 2024 the year you find the perfect space to create lasting memories.

What’s in store for the year ahead? Here’s what experts have to say about the 2024 housing market: “https://tinyurl.com/5433x9nj?lo=Brad-Cook”

As always, please reach out to me with any questions. If you’re thinking about buying or selling this year, I can let you know exactly what’s going on in our market.

Refinancing is the process of replacing your current loan with a new one with different loan terms. This can help you save money on interest over the life of your loan, reduce your monthly payments, or even allow you to pay off your loan sooner. Whether you've had some life changes over the past few years or have questions about what equity you've gained, it's always a good idea to review your mortgage. Let's explore what's possible together. Contact me for your complimentary mortgage check-up.