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Merry Christmas from the Simmonds family to yours!

When house hunting, it is important to keep your likes and dislikes top-of-mind. Hate yardwork? Maybe consider a condo. Have an outdoor furry friend? Prioritizing a place with a yard is going to be key. There is a home for every preference and a home loan that may make it happen. Let’s talk about which home loan may make the most sense for you. Message me to get started. 🏠

🤯 Purchasing a home is a huge step and an exciting milestone. But sometimes, the unexpected cost of homeownership can be intimidating to buyers, especially first-timers. 😱

From closing costs to insurance to taxes, there is plenty to keep track of – that’s why I’m here to be as you navigate the buying process. Feel free to message me with any questions.

Simply put, seller concessions are closing costs that the seller has agreed to pay. By negotiating seller concessions, buyers can expect to save on closing costs that typically range from 3 – 6% of the home price. Need more info on seller concessions? Message me for details. 🏠

At Motto Mortgage, we know homeownership is a smart way for individuals to create sustainable, long-term wealth. We also believe homeownership should be an achievable goal for aspiring buyers. Interested in learning more about potential affordable home loans? Message me for details. 🏠

Purchasing a home can be one of the best long-term investments you make. It can also be one of the most intimidating. Before you take on homeownership, it is a smart move to talk with a mortgage professional to see if buying a home aligns with both your short-term and long-term goals. Ready to discuss homeownership? Message me today. 🤝

At Motto Mortgage, we believe integrity is fundamental to the home financing process. We strive to make a difference in the lives of the borrowers we serve by facilitating a rewarding, transparent lending experience. Ready to learn more? Feel free to message me. 🏠

Whether it is a condo downtown, a townhouse in a trendy neighborhood, or a single-family home in the suburbs, each house hunter has a different vision of their perfect home. Motto Mortgage knows unique homeownership goals are only possible with a variety of loan products to choose from. Message me and we will figure out which loan product works best for you. 🏠

🕎 Happy first night of Hanukkah! Wishing you latkes, lights, and love. ❄️

Sadly, that absolutely-perfect, must-have couch that is never on sale (except for every other month 😉 ) might have to be a future purchase. Why? If you’ve been eyeing homeownership, it is important to not rack up the credit card bills or take out any new lines of credit if you’re in the process of purchasing. Need more advice on what to do (or not to do) as you buy? Head on over to mottomortgage.com. 🛋️

❄️ 🌲☃️ Do you know who invented Christmas lights? Have any idea what the oldest holiday symbol in the world is? Like to wager a guess as to which holiday decoration dates back to ancient Greece?

Get all the answers in this blog covering the history of 10 festive pieces of holiday décor.

Did You Know: The Festive History of Holiday Home Décor Do you happen to know the history of holiday home décor? From candy canes to mistletoe, you’ll love studying up with this stylish and festive history lesson.

At Motto Mortgage, we believe diverse homeownership helps create thriving, stable communities. That’s why we’re committed to closing the homeownership gap and, therefore, better the communities that we live in and serve. Ready to learn more? Feel free to message me. 🏠

For many of us, November is the beginning of the holiday season, but it is also a time to honor the history and culture of the Indigenous peoples whose ancestral homeland is where we now live, work, and play.
https://www.mottomortgage.com/blog/indigenous-history-of-where-you-live

Dia de los Mu***os is an opportunity to celebrate the lives of loved ones who have passed. The holiday is filled with music, dancing, family, and food.
🎉 Feliz Dia de los Mu***os to all who celebrate this joyful holiday. ¡Viva la vida! 🪅

Don’t get tricked out of the treat that is homeownership! We’re going to 🎃 “squash” 🎃 all those spooky myths right here and now.

Debunked: Scary Myths About the Homebuying Process We’ve debunked these myths about the homebuying process that you’ll likely hear time and time again.

Not to be overlooked when calculating your monthly payments, property taxes are the fees homeowners pay to their local government. While most people don’t love paying another fee, property taxes pay for important things in your community (like fire departments, road maintenance, libraries, schools, etc.) and are calculated based on your home’s value. 🏠

Have mortgage-related questions? Message me and we can chat today.

Need an estate attorney? Look no further...

💢💢💢 Celebrating 💢💢💢

Danielle Clark , Esq.

Clark Law Office, specializes in their clients. They are dedicated to understanding what their clients want and helping them understand what actions they can take on their behalf. Attorney Clark works with her clients every step of the way to ensure they make informed decisions and feel empowered to make them.

Clark Law Office Practice Experience:

* Estate Planning
* Probate and Trust Administration
* Guardianship
* Employment Law
* Contract Law
* Small Claims Disputes
* Real Estate Law
* Landlord/Tenant Disputes
* Business Law

Bar & Court Admissions:

* United States District Court, Middle District of Florida
* United States District Court, Southern District of Florida
* United States District Court, Northern District of Florida

Education:

* Bachelor of Business Administration in Human Resource Management, Florida International University
* Master’s in Business Administration, Nova Southeastern University
* Juris Doctor, Ave Maria School of Law

What's Going On with Hosts: Tisha and Toya on Lee Pitts Live Salutes and Honors Ms. Danielle Clark for National Women’s Month . Keep rising !

🏡 Sheena Simmonds🎉

Meet your Mortgage Loan Originator, Sheena Simmonds! 👋🏾 With years of experience and a passion for helping you find your dream home, Sheena is here to guide you through your homebuying journey. 🏠💼

Ready to take the next step toward homeownership? Contact Sheena today to get started. Your dream home awaits! 🌟
Call today 239-839-7621 Here and happy to help!

Did you know you might be able to shorten your loan’s lifespan by paying a little more each month? Depending on how aggressive you want to be with these extra payments, you could save hundreds or even thousands of dollars in interest. 🤯 Who wouldn’t be interested in that kind of savings?

Let’s crunch the numbers together to see the potential savings or feel free to play with the numbers yourself with an easy-to-use extra payment calculator.

https://calculators.lenderhomepagecdn.com/motto/extra-payment

Get your kitchen holiday-ready with these pro tips for healthy cooking and entertaining! Check out this Forbes article for expert advice and be the host or hostess with the mostest.

Pro Tips On Getting Your Kitchen Ready For Healthy Holiday Cooking And Entertaining What you cook and how you cook can have an impact – particularly at hectic times of year like the holiday season when you’re already stressed and vulnerable.