Justin Atteberry: Mortgage Specialist - NMLS 369668

Rates may have peaked, but don’t expect to see 2021 levels again…probably ever. So what can you expect? Read up on the latest inside our Market Update: https://blog.movement.com/2022/12/16/feds-rate-increase-mean-good-news-mortgage-rates/

Don't do it! The length of time you have credit in good standing is a key factor used to calculate your credit score, and if you close an account, all that credit history is wiped from your report. That'll impact your credit profile, which might change your rate or cause delays.

The average rate for a 30-year fixed-rate mortgage fell for a fourth consecutive week, but still remains solidly above 6%. Uncertainty around the future of the economy is part of the reason why rates continue to decline and that same uncertainty could force the Fed into a bigger federal funds rate hike than expected.

We dive into the details inside our latest Market Update: https://blog.movement.com/.../rates-drop-market-awaits.../

YES, your family can help pay for your new home! 🎁 Gift funds are contributions you receive from family members for a down payment or to help cover closing costs. There just has to be documentation specifying that there's no expectation for you to pay the money back. That's why it's called a gift. 😉

You don't have to be afraid of your credit score. There are a lot of healthy money habits you can start RIGHT NOW to bring new life to your credit score and increase your chances of approval on a great mortgage! You got this. 💪

Mortgage rates and home prices are both starting to cool off, but is that enough to get homebuyers off the sidelines? Get the details inside our latest Market Update: https://blog.movement.com/2022/12/02/inflation-mortgage-rates-show-signs-cooling/

Don’t be disappointed. We’re a mortgage company, so we’re not going to fill your head with holiday movie montages of fancy people carrying shopping bags from the finest department stores. 🛍 First of all, department stores?? You’re doing your shopping online. Second of all, although there’s temptation to spend around every corner, we PROMISE that Future You will be grateful that you set and stuck to a budget. 🙌🎁

Planning on buying a home in 2023? Be an eager beaver and get a jump on the process now! That way you can spend January Marie Kondo-ing your stuff before you move. ✨ (Did this spark joy? We hope so.)

A rate lock freezes your interest rate quote for a specific period so you can estimate exactly what your closing costs and your monthly mortgage payments will be. 🧊💰 Then, you can confidently plan for what your monthly payments will be for the lifetime of your mortgage.

We’re feeling very grateful this year. ❤️ But we need your help to settle the biggest debate in our company’s history. How do you refer to the quintessential Thanksgiving accompaniment: “Stuffing” or “dressing?” More importantly, do you make it with bread or cornbread? And what HAS to be included for it to be perfect? Please tell us below so we can end this once and for all. Oh, and Happy Thanksgiving!

Positive economic data concerning inflation makes predicting the Fed’s next move a little tricky.

We break down the details inside our latest Market Update: https://blog.movement.com/2022/11/18/brief-rate-drop-spurred-positive-economic-data/

Not all lenders are created equal. Shopping loan offers is part of the process, and you want to make a mortgage decision you feel good about. When you choose Movement, not only can we process your loan quickly, you'll be choosing a lender that uses almost half its profits to fund much-needed infrastructure, education and support to underserved areas in the U.S. and around the world.⁣⁣ That's a mortgage with a side of warm fuzzies. 🥰

Are you about that WFH life? 🧑‍💻🏠 It can bring so much flexibility to your day-to-day life and can even make it possible to live ANYWHERE. But before you decide it's time for a change of scenery, there are a few things you'll want to consider.

Check out our blog for more tips: https://blog.movement.com/2022/11/16/8-tips-remote-workers-thinking-relocating/

Inflation showing signs of cooling, so what about the once red-hot housing market?

We break down the latest inside our Market Update: https://blog.movement.com/2022/11/11/signs-easing-inflation-boost-markets-midterms/

This mortgage tip is more like a mortgage ninja trick! Making a 13th payment each year could help you pay off your loan faster AND could potentially cut down on your overall interest, which could save you major dollars. 💵

Look. We get it. Online shopping is ridiculously convenient. But when it comes to buying a home, we promise you're better off letting a professional help. Because ya can't just send a house back if it doesn't fit. 📦

The U.S. economy showed positive growth in Q3, but is that enough to get housing back on track sooner than later?

Get the latest inside our Market Update: https://blog.movement.com/2022/10/28/u-s-economy-shows-growth-housing-still-struggling-rebound/

Just in time for Halloween! Choose the wrong lender and you could face… The Curse of the Monstrous Mortgage! Now available everywhere books are sold.* Get your copy now! *This is not a real book. And when you choose Movement, a mortgage nightmare is NOT a real possibility. Happy Halloween!

And by “haunted,” we mean scarred by a scary history of flooding, dogged by liens or zoning issues, or plagued by mold, radon and asbestos. (Shudder)

This is the type of myth-information that sends a chill up our spine. 😱 (FOR THE RECORD, a certain mythical nocturnal creature approached us about sharing this week's mortgage tips.) (Not that we're complaining.) (But not that we would've told him no...he has fangs.)

For homebuyers, the rising rate environment means that now is the perfect time to seek the guidance of a Movement Mortgage loan officer. Buying continues to become more complicated as interest rates rise and the Fed takes an aggressive approach to fight inflation—but there are still options.

Read up on all the economic factors contributing to this environment so you can be informed while making your home buying decision: https://blog.movement.com/2022/10/21/uncertainty-continues-investors-brace-another-rate-hike/

You've fallen in love with a home and you've got the rose-colored glasses on. But heed this guidance: DO NOT skip your home inspection. Have a professional take a close look for issues to determine if you should renegotiate your terms before you close. Just do it, okay? Don't make us say "heed" again!

Ya hear it often: Location, location, location. 🗺 That's because location matters. If it’s your dream home but not in a location that fits what you're looking for, it’s NOT actually your dream home. Here are a few things to consider when choosing where to live.⁣

Simply put, there’s A LOT happening in the U.S. and around the world right now. Unfortunately, it’s fairly tumultuous out there and the housing industry is taking the brunt of the blows.

Staying informed can help you best prepare for what’s ahead, so check out our latest Market Update to get up to speed: https://blog.movement.com/2022/10/14/economic-waiting-game-continues-global-issues-take-center-stage/

With most loans, you can request to cancel your private mortgage insurance (PMI) payments once you've built up at least a 20% equity stake in the home. Adulting is kind of awesome, once you get the hang of it. 💰🏡

Spoiler alert: Your credit score is not determined by mythical credit fairies. 🧚‍♀️ This is good news — YOU are in control and can start understanding and improving your score any time you want! May we suggest today?