Driana Coomes - Mortgage Loan Originator

Closing costs might not be the most exciting topic when buying a home, but they're necessary.

Think of them as the final hurdle before you officially become a homeowner. These costs cover things like appraisals, title searches, and lawyer fees.

It's all about making sure everything is legit and everyone's protected. So, while they might seem like a pain, they're essential for sealing the deal on your dream home!

When buying a home, be prepared for closing costs! These include the appraisal fee, home inspection fee, and homeowners insurance premium.

An appraisal fee, which usually costs $400-$600 covers the assessment of the property's value.

A home inspection, which costs $300-$500, identifies any property issues before purchase, potentially saving you money in the long run.

Homeowners insurance is essential for financial protection against property damage or loss.

Its cost varies based on factors like home value and location. Budgeting for these costs upfront ensures a smooth home-buying process without surprises at closing!

Comment “HOME” below for a copy of your FREE Homebuyer Handbook.👇🏼💬

It’s true, you don’t need 20% down!

Here’s an example of the downpayment for these 4 common mortgage types. 💸

Ready to dive into the homebuying journey with confidence? Grab your free Homebuyer Handbook now! DM me for a copy☺️📖

Dri - MLO

📲 270-903-7389
🌐 linktr.ee/drianacoomes

4 key factors your mortgage lender considers before approving your loan.📝

Considering refinancing your mortgage?

It's a smart move to explore your options, especially if interest rates drop or your financial situation improves. Refinancing could potentially lower your monthly payments or shorten your loan term, saving you money in the long run!

3 ERRORES HIPOTECARIOS🙅🏻‍♀️

1. No revisar su informe de crédito es un error grave al solicitar una hipoteca. Puede pasar por alto errores o discrepancias que afectarían su capacidad para obtener un préstamo o las tasas de interés ofrecidas. Es crucial revisar su informe regularmente para mantener su historial crediticio en buen estado.

2. Extender demasiado su presupuesto es otro error común al solicitar una hipoteca. Al comprar una casa, es importante mantenerse dentro de sus límites financieros para evitar dificultades en el futuro. Es fundamental ser realista y buscar una propiedad que se ajuste cómodamente a sus medios financieros.

3. Saltarse la aprobación previa antes de buscar casa puede ser un error costoso. Obtener la aprobación previa le da una idea clara de cuánto puede gastar y le ayuda a ser tomado en serio por los vendedores.

Evitar estos errores puede ahorrarte tiempo, dinero y estrés en tu proceso de comprar.🏡

Government-backed programs provide valuable assistance to first-time homebuyers, offering various benefits such as down payment assistance, lower interest rates, and reduced closing costs!

For example, the Federal Housing Administration (FHA) offers loans with low down payment requirements, making homeownership more accessible to individuals with limited savings.

Despite common misconceptions, these programs are not exclusively for low-income individuals and may be suitable for a wide range of borrowers!

By exploring these options, first-time homebuyers can find financial support to fulfill their homeownership dreams while debunking myths about eligibility and affordability.

Let’s talk about your options!

Dri - MLO

📲 270-903-7389
🌐 linktr.ee/drianacoomes
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Getting pre-approved for a mortgage is a smart move.🧠

- It gives you a clear understanding of your budget and helps you narrow down your home search to properties you can afford.

- It strengthens your position as a serious buyer when making an offer. Sellers PREFER buyers who are already pre-approved.

- It allows you to lock in a favorable interest rate, protecting you from potential rate increases during your home search.

Some believe that pre-approval commits you to a specific lender, but in fact, it simply gives you a starting point for comparing loan options!

The more you know.🪄

💫

I’m a MLO… and I’m here reminding everyone I do mortgage origination!

I want to give you a specific list of all of the ways that I help people get mortgages. So if you have friends and family who have these needs would you kindly give them my name. I build my business and feed my dogs & cat on referrals and your help is appreciated.🫶🏼😆

I would love to help your friends and family with any of the following transactions:

• Refinance
• Purchase
• Buying or Selling a Home
• Cash out Refinance
• College money
• Home improvement
• Debt Consolidation
• Upgrade Home
• Downsize Home
• Divorce Mortgage
• Rate and Term reductions
• Mortgage Insurance (PMI) reduction or elimination
• Veteran Loans
• FHA Loans
• USDA Loans
• First Time Home Buyer Loans
• New Construction
• Relocation
• Reverse Mortgages
• SBA and Commercial Loans

Check out my website www.linktr.ee/drianacoomes or call me 270-903-7389 ☺️

Driana Coomes • NMLS#: 2437440 | Instagram, Facebook | Linktree Loan Originator • FL & KY • Here to assist with all your mortgage needs 🏡

Why Work with a Mortgage Broker? 🏠

Mortgage brokers work for YOU, not the banks! They shop around to find you the best rates and terms from multiple lenders, saving you time and money. Plus, they provide personalized guidance every step of the way, ensuring you make the best decision for your financial goals.

tu prestamista favorita 🤩

WHY I JOINED THE MORTGAGE BUSINESS🙋🏻‍♀️

When we bought our first home, I thought all I needed was a realtor but then we were introduced to the mortgage process! I was 18, just out of high school and I had no clue what was going on except that buying a home is great. Our loan officer educated us through every step of the way. I remember thinking the mortgage process was simple! “What an easy job,” I thought.(😂) Our loan officer was organized, quick, and always on the dot with everything that was needed! We closed on our home efficiently!

When we bought our second home, the process was not so smooth and almost felt like a nightmare. We had a loan officer over-promising things that then left us scrambling to find someone who could help. I didn't know much about the process, and if it wasn’t for our Realtor keeping us in the loop with mortgage questions we would have stayed confused. I learned that without a great Realtor AND loan officer, it can get ugly quickly. Once it was all said and done, I asked myself “What the hell does a loan officer really do?” and there started my passion for helping others have an educated mortgage process. So, here I am!

I joined because I know the insane amount of stress that comes with buying a home! Whether it be your first or your 5th, I’m here to help answer ALL your questions no matter how big or small, and most importantly, help you make informed decisions! I work with the best Realtors, processors, and those in the real estate business that I know are giving their all and are just as passionate as I am about helping you. Call me your matchmaker.😆 Because without someone who's on your side and fighting for YOU, this process can quickly become a nightmare.

Here for YOU.☺️🫶🏼

Driana Coomes - MLO

📲 270-903-7389
🌐 [email protected]

It’s here! Superrrr excited about my FREE Homebuyer’s Handbook! A step-by-step guide walking you through the home-buying adventure!

It's your ultimate guide, covering everything from the mortgage process to closing day.

Explore various mortgage types, essential credit information, and a handy first-time buyer checklist. Dive into the adventure of home buying with confidence!☑️🤓

Comment “HOME” below and I will send you a copy! Share with your friends & family!🫶🏼

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Estoy muyyy emocionada con mi Manual GRATIS para compradores de casa! Una guía paso a paso que le guiará en la aventura de comprar una casa!

Es su guía definitiva, que cubre todo, desde el proceso hipotecario hasta el día del cierre.

Explore varios tipos de hipotecas, información crediticia esencial y una lista de verificación para compradores por primera vez!☑️🤓

Comenta “CASA” abajo y te enviaré una copia! Compártelo con tus amigos y familia!🫶🏼

Driana Coomes - MLO

📲 270-903-7389
🌐 [email protected]

Many lenders often require borrowers to establish an escrow account to cover property taxes and insurance.

With an escrow account, a portion of your monthly mortgage payment goes into this account, and when your taxes and insurance are due, the lender pays them on your behalf. This ensures that these expenses are paid on time, reducing the risk of default.

For example, if your annual property taxes are $3,000 and your insurance premium is $1,200, your lender may require you to pay an additional $350 each month into your escrow account ($3,000 + $1,200 = $4,200 divided by 12 months). This ensures that when these bills come due, the funds are ready!

Driana Coomes - MLO

📲 270-903-7389

🌐 linktr.ee/drianacoomes