Ivan Grondona the Homie

It's , so this is your friendly reminder that friends don't let friends work with just any lender 🙂

As your local lender:

🏡 We take a Holistic Approach to the mortgage process. We’re here to get you into your home, not just provide a loan for it.

🤓 We believe in Homebuyer Education. We want you to know exactly what you’re signing up for and understand the details of your loan offer.

👩🏻‍🤝‍👩🏽👩🏿‍🤝‍👨🏼 We are your Dedicated Team. You'll work with (and get to know!) the same friendly faces throughout your process.

📲 We'll keep you in the loop with real-time updates via HomespireGO®, a digital mortgage experience you’ll love.

🏬 We’re Local Experts. We live and work in your community.

If you have any questions, or would like to see what you would qualify for, please don't hesitate to reach out!

Happy Monday! Nothing beats that new homeowner smile! 🏡😊 It's the best part of my job, knowing that I've helped make dreams come true. Here's to many more happy homeowners! 💜

In the fourth post of our You Need a REALTOR® series, we're talking about Guidance and Support 💜

Realtors guide their clients through each step of the process, from the initial consultation to closing, making the experience smoother and less stressful. Buying or selling a home can be an emotional experience, and realtors provide reassurance, support, and confidence to their clients throughout the process.

Looking for a great Realtor? I work with many top-notch professionals and would be happy to recommend some to help you find your dream home!

How Can Adding a Pool Cool You Down AND Boost Your Borrowing Power?

With the HomeStyle® Renovation Loan, you can borrow up to 95% of your home's future value after renovations! Imagine upgrading your backyard with a beautiful pool that not only provides a refreshing oasis but also increases your home's value.

Here’s how it works:

🤔 Plan Your Renovations: Decide on your dream improvements, like a stunning pool.

💰 Get a HomeStyle® Loan: Borrow based on the future value of your home after the renovations.

😎 Upgrade & Enjoy: Complete your renovations and enjoy your new space, along with increased borrowing potential!

This loan is perfect for renovating your current home or purchasing and updating a new one. Whether you're enhancing your existing space or investing in a fixer-upper, the HomeStyle Renovation Loan has you covered.

Ready to make a splash? 💦 Contact me today to learn more about how a HomeStyle® Renovation Loan can turn your home dreams into reality!



© 2024 Homespire Mortgage Corporation NMLS #183215 (www.nmlsconsumeraccess.org) 9711 Washington Boulevard, Ste. 500, Gaithersburg, MD 20878. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

Are you ready for a Gold Medal homebuying experience?

Whether you're looking to buy or refinance, we'll craft a mortgage loan that is tailored to your individual needs. Our process at Homespire is quick and hassle-free. You'll enjoy:

🥇 Upfront Underwriting
🥇 Realtime updates every step of the way
🥇 A dedicated team working on your loan
🥇 Constant communication

If you're ready to begin your journey to homeownership, or you'd like to see how much you could save by refinancing, let's chat! Feel free to reach out any time.

Happy Friday! Feeling grateful for another productive week. A HUGE thank you to my ops team who goes above and beyond every day to make sure our clients have a smooth and seamless mortgage experience!

In the third post of our You Need a REALTOR® series, we're talking about Negotiation Skills 🤝

Realtors are skilled negotiators who work on your behalf to secure the best possible price and terms. They also handle negotiations related to repairs and contingencies, ensuring you get the best deal.

Looking for a reliable Realtor? I work with many top-notch professionals and would be happy to recommend some to help you find your dream home!

Did you know that today is National Give Something Away Day?

As a Mortgage Loan Officer, I've learned that giving valuable advice and support to others is one of the most rewarding aspects of my job. Today, I encourage you to share a piece of advice in the comments 👇 Business-related, life-related, wisdom for first-time homebuyers — share below! Together, let's make a positive impact and build a stronger community.

In the second post of our You Need a REALTOR® series, we're talking about Access to Listings 🔑

Realtors have exclusive access to Multiple Listing Services (MLS), providing you with a comprehensive view of available properties, including those not widely advertised. This means you can get early access to new listings and schedule viewings quickly.

Looking for a reliable Realtor? I work with many top-notch professionals and would be happy to recommend some to help you find your dream home! Reach out today!

In honor of National Cheer Up the Lonely Day, let’s talk about the importance of community and how finding the right neighborhood can combat loneliness.

Community plays a vital role in our happiness and well-being. Finding the right neighborhood can make a world of difference in combating loneliness and fostering meaningful connections. Here are some tips to help you choose a community that fits your lifestyle:

🏡 Research Local Amenities: Look for neighborhoods with parks, community centers, and social clubs that match your interests.

🤝 Engage with Residents: Attend local events and talk to your potential neighbors. A friendly and welcoming community can provide a strong support system.

🚶‍♂️ Walkability and Accessibility: Consider areas with walkable streets, nearby shops, and public transport options. It’s easier to connect with others when amenities are within reach.

🌳 Green Spaces: Proximity to nature can enhance your mental well-being and offer peaceful spots to relax or meet up with friends.

🎉 Community Activities: Look for neighborhoods that host regular events, like farmers' markets, outdoor concerts, or hobby groups. These activities can help you feel more connected.

👨‍👩‍👧 Diversity and Inclusivity: Choose a neighborhood that celebrates diversity and inclusivity. A mix of cultures and backgrounds enriches community life and promotes understanding.

Remember, a supportive community is more than just a location — it’s where you’ll find friendship, comfort, and a sense of belonging.

Haven’t saved 20% for your downpayment? No worries! There are a ton of low and no downpayment options available to make homeownership possible for you.

🇺🇸 VA LOAN
· Downpayment as low as 0%
· 580 minimum credit score
· Available to Veterans and Military Servicemembers
· Lower rates

🏞️ USDA LOAN
· Downpayment as low as 0%
· 640 minimum credit score
· Must fall within certain income requirements
· Must live in a USDA eligible rural area
· Allows for non-traditional credit options

🏡 FHA LOAN
· Downpayment as low as 3.5%
· 580 minimum credit score
· Fewer restrictions make it easier to qualify
· Insured by the Federal Housing Administration

💰 CONVENTIONAL LOAN with PMI
· Downpayment as low as 3%
· 620 minimum credit score
· Max debt-to-income ratio of 50%

💵 HOMEREADY® and HOME POSSIBLE®
· 3% downpayment
· Lower mortgage insurance options
· 620 minimum credit score (HomeReady), 660 (Home Possible)
· Must earn less than 80% of your area’s median income‌

These are the most popular programs nationwide, but depending on where you live, there could be other (local) programs available to you. Reach out to see what programs you could qualify for.

🏡 Realtors bring extensive knowledge of the real estate market, including current trends and neighborhood insights. Their expertise ensures you're guided through complex transactions and legal documents with ease, making your homebuying journey smoother and more successful. Trust in their experience to find the perfect home for you!

Need a recommendation? I work with some incredible Realtors and would be happy to pass along their information. Reach out to me anytime!

Happy Fourth of July! 🇺🇸 I hope you enjoy the festivities with family and friends and make some unforgettable memories. Have a safe and sparkling holiday! ✨ 🎆

Happy National Financial Freedom Day! 🏡💰

Today, we celebrate the journey towards financial independence and the freedom it brings. As a mortgage loan officer, I’m passionate about helping you achieve your dream of homeownership without compromising your financial future.

Here are 3 Tips to Help You on Your Path to Financial Freedom:

📝 Create a Budget: Track your income and expenses to identify areas where you can save. Use budgeting apps to make it easier!

💰 Build an Emergency Fund: Aim to save at least 3-6 months' worth of living expenses. This safety net will protect you from unexpected financial setbacks.

🏠 Invest in Your Home: A home can be one of your most significant financial assets. Homeownership not only provides a place to live but also builds equity, offers tax benefits, and can be a smart long-term investment.

Ready to take the next step towards homeownership and financial freedom? Call me today!

Today is your day! 💜💪 Let's end the week strong!

Ready to throw away the kiddie pool and finally invest in an in-ground pool that your family can enjoy for years to come? You may already have enough equity in your home to finance your dream pool with a cash out refinance!

Why cash out refinance?

🏊 Usually lower interest rates than a HELOC or home equity loan
🏊 Doesn't require a second mortgage
🏊 Begin your build and start enjoying your pool sooner

Ready to make a splash? Give me a call, and let's discuss your cash out refinance options today!

Did you know that your home's equity can be a powerful financial tool?

Every time you make a mortgage payment, you build equity. And if your home appreciates in value, that gain is equity, too!

So, what can you do with all that cash sitting in your home?

1️⃣ Home Improvements: Enhance your living space, increase your property's value, and enjoy the benefits of a dream renovation project. 🔨

2️⃣ Debt Consolidation: Say goodbye to high-interest debts by using your home equity to consolidate them into a single, more manageable loan. 💳

3️⃣ Education Funding: Invest in yourself or your loved ones' education by tapping into your equity to cover tuition fees or educational expenses. 🎓

4️⃣ Start a Business: Entrepreneurial spirit kicking in? Utilize your home equity to kickstart your own venture or expand an existing business. 💡

5️⃣ Emergency Fund: Your home equity can serve as a safety net during unexpected financial challenges, providing peace of mind in times of need. 💜

6️⃣ Retirement Planning: Bolster your retirement savings by leveraging your home equity to secure a comfortable future. 🏖️

It's important to evaluate each option carefully, consider the risks involved, and consult with financial professionals to make informed decisions. Your home's equity can open doors to endless possibilities!

Ready to utilize the equity in your home? I can help. Please don't hesitate to reach out to me any time.

It's the first official day of summer! ☀️ What do you have planned this summer?

Are you considering buying a house but are tired of waiting for mortgage interest rates to drop? Well, then we have great news for you – you don’t have to! 🎉

Instead, outsmart the elevated interest rates with Homespire’s Buyer, Refier, Smart Saver offer.

How? It’s easy, just 3 simple steps:

Step 1: Confidently buy the home you love now before someone else snatches it up. 🏡

Step 2: Sleep well knowing that should rates come down before the end of 2025, we’ll refinance you into that lower rate – no FOMO for you! 😅

Step 3: THE BEST PART – We will cover your lender fees* for that refinance, saving you even more money. 💰

You can’t time the market, but you can outsmart it. Please don't hesitate to reach out for more information.

*Additional terms and conditions apply. Please visit https://www.homespiremortgage.com/buyer-refier-program/ for full details. Available at participating locations. Offer applies to lender fees up to approx. $1,600 in value; other lender and third-party fees may still apply.

If you’re a new homeowner or are in the process of buying a home, you may be thinking:

Is a home warranty worth the extra expense? Should I extend the one that comes with the house? What does it actually cover?

If you bought an older home, opting for a warranty might be in your best interest, for peace of mind if nothing else.

If your home is relatively new, you might already have a warranty through the builder or previous owner. So, be sure to find out how much longer it’s valid, and consider buying an extension.

Some homeowners really get use out of their warranties while some never use them, and some learn the hard way that they would’ve been better off getting one.

So, the choice is yours. Whatever you decide, the best thing you can do is take time to understand what is covered and what you could be faced with if you choose to go without.

- You know that time is of the essence when it comes to putting in an offer in this market. Let me help get your clients quickly so they can go in with the strongest offer possible. 🏡 💪 🔑

Every mortgage payment is more than just a bill — it's an investment. As you pay down your loan principal, you're building equity in your home. Over time, this can grow even more if your home's value increases. When you sell, you get this money back, just like cashing in on a savings account! 🏠✨

Want to see how you can stop paying your landlord’s mortgage and start paying your own? I can help. Please don’t hesitate to reach out to me any time.

Thinking about making some home improvements? Here are five upgrades that could add major value to your home:

🍳 Updated Kitchen
🛁 Updated Bathrooms
♻️ Energy-Efficient Upgrades
📲 Home Automation
🌞 Outdoor Living Space

Remember, while these upgrades can enhance your home's appeal, they don't guarantee an increase in value or a full return on investment. It's always best to research and plan carefully!

Want to tap into your home's equity to fund your upgrades? I can help! Please don't hesitate to reach out to me anytime.

Happy National Donut Day! 🍩

In this market, getting pre-approved before starting your house hunt is 🔑 to jumping in with a strong offer as quickly as possible.

If you're in the market to buy and don't yet have a pre-approval in hand, donut wait! (See what I did there?)

Reach out to get started today!

Achieving Greatness! 🏆 I'm so proud to be recognized as a May Top Producer at Homespire Mortgage. I couldn't have done it without my amazing team, supportive agent partners, and loyal clients. Thank you!

Homeownership offers more than just stable monthly payments and a sense of community. It’s also a smart financial move because of property appreciation and equity building.

With home prices in the U.S. rising by an average of 3-5% annually, waiting to buy could cost you more, even with a lower rate! Plus, you'll miss out on building valuable equity (think of your home as savings account)!

Ready to stop renting and start owning? Let's chat about how you can begin building equity today!

Did you know that June is National Homeownership Month? 🏡

If you're wondering whether now is the time to buy a home, this is your sign!

If you have questions or want to see a rent vs. own analysis, please don't hesitate to reach out to me! I'm always happy to talk through your situation and come up with a plan that meets your financial goals.

The short answer: Yes!

Before you start hitting up open houses, it's important to take one crucial step first: getting pre-approved for your mortgage. This simple yet essential step can make all the difference in your home buying journey.

A pre-approval is a preliminary assessment of your creditworthiness and your ability to repay a mortgage. It gives you an idea of how much money you can borrow, what your interest rate might be, and what your monthly payments could look like. With a pre-approval in hand, you can shop for homes that are within your price range and avoid the disappointment of falling in love with a home that's out of your reach.

But the benefits of a pre-approval don't end there. It can also give you an advantage in a competitive housing market. When you make an offer on a home, a pre-approval letter shows the seller that you're a serious buyer who has already taken steps to secure financing. This can give you an edge over other buyers who haven't been pre-approved yet.

So, before you start browsing real estate listings or attending open houses, take the time to get pre-approved for your mortgage. It's a smart move that can save you time, money, and heartache down the line.

Ready to get started? Give me a call, and let's get you pre-approved and ready to go house hunting.

Are you considering buying a house but are tired of waiting for mortgage interest rates to drop? Well, then we have great news for you – you don’t have to! 🎉

Instead, outsmart the elevated interest rates with Homespire’s Buyer, Refier, Smart Saver offer.

How? It’s easy, just 3 simple steps:

Step 1: Confidently buy the home you love now before someone else snatches it up. 🏡

Step 2: Sleep well knowing that should rates come down before the end of 2025, we’ll refinance you into that lower rate – no FOMO for you! 😅

Step 3: THE BEST PART – We will cover your lender fees* for that refinance, saving you even more money. 💰

You can’t time the market, but you can outsmart it. Please don't hesitate to reach out for more information!

*Additional terms and conditions apply. Please visit https://www.homespiremortgage.com/buyer-refier-program/ for full details. Available at participating locations. Offer applies to lender fees up to approx. $1,600 in value; other lender and third-party fees may still apply.