Jamie Pimentel, NMLS #281439, United Community Bank - Mortgage Services

Looking for an opinion to lower your interest rate?
Mortgage points, or discount points, are fees you pay upfront at closing in exchange for a lower interest rate on your mortgage.
Each point typically costs 1% of your total loan amount and can lower your interest rate by about0.25%. So, if you have the cash up front and plan on staying in your home for a while, mortgage points can be a smart investment.

You’re paying for a home whether you rent or buy. Would you rather give your money to a landlord or pay it towards your own mortgage?

Have you heard the term “100% financing,” but aren’t exactly sure what it means? A 100%—or no-down payment—mortgage means you don’t have to make a down payment when you finance your home. That type of loan helps a lot of people buy a home sooner, but it also has other benefits, like:
- Paying down debt
- Buying furniture (after you’ve closed on your loan)
- Investing

A lower interest rate = a lower monthly mortgage payment. Find out how a 2-1 buydown1 could give you some rate relief in the first two years of your home loan.
https://www.ucbi.com/support/learning-center/higher-rates-moving-plans-not-on-hold

Your down payment isn’t the only thing you need to budget for when it comes to a move! Click the link for a list of the top moving expenses you might run into. https://www.ucbi.com/support/learning-center/moving-top-8-expenses-to-keep-in-mind

Happy New Year! 🎇
As we step into 2024, we want to extend our heartfelt thanks to our community for your trust and partnership this year. We're grateful for the opportunity to know and serve you.

If you're looking for ways to ring in the New Year from home, here are a few ideas to try with your family and friends:
1 – Throw on some tunes and dance the night away
2 – Choose some of your favorite movies for a movie marathon
3 – Write down your resolutions and share them with everyone
4 – Grab some board games and heat up the competition
5 – Decorate the house, decorate a bar cart, and create your own fancy cocktails

If you’re looking for 100% financing options, United offers two programs that are eligible in specific locations. Contact me to find out if your future home falls within the area guidelines.

What kind of home are you dreaming of? Drop a comment below (A—F) with your pick!

Fannie Mae has a new, lower minimum down payment for owner-occupied, multi-family properties.*

Hello December! The holidays are quickly approaching, and now is a great time to get your home ready for the winter season with the following home maintenance tips:
• Inspect all plumbing for leaks
• Clean and organize guest rooms
• Dust ceiling and fans
• Test electrical outlets
• Replace batteries in smoke detectors
• In freezing weather, let indoor faucets drip to prevent freezing
• Clean circuit breaker

Dance into your new home this coming year! You may be able to purchase a home up to $766,550 with no down payment. Ask me how.

Did you know you don't need 20% down to become a homeowner? You may be able to buy a home sooner with a smaller down payment. Contact me today to discuss you home financing options.

Turkey, gravy, beans, and rolls, let me see the casseroles! Happy Thanksgiving from United Community Mortgage.

When you partner with United Community to finance your home, you have access to a wide variety of jumbo products, including adjustable-rate mortgages (ARMs). Call today to discuss your jumbo financing needs.

Don’t just focus on interest rates when you’re shopping for a mortgage. Understanding the APR on a loan will give you a more accurate picture of how much you’ll pay to borrow money—and help you make more informed credit decisions overall.

Ready to buy a home, but not sure you can afford a mortgage? An FHA loan may be the answer. Call me today to learn more about FHA loans or other products that may benefit you.

Worried about navigating the mortgage process as a first-time homebuyer? Leave your worries behind. United Community has a team of experts dedicated to guiding and educating you every step of the way.

Saving for a down payment is one of the biggest hurdles to homeownership. If you’re looking for a way to get into a new home sooner, ask me if this program could be a good fit for you!

Ready to make your homeownership dreams a reality? These steps will help you find the right mortgage lender:
- Research and compare: Explore different lenders online. Check interest rates, fees, and customer reviews.
- Ask around: Get recommendations from friends, family, or your real estate agent. Personal experiences can be valuable.
- Evaluate customer service: Communication matters. Reach out to potential lenders with questions and assess their responsiveness.
- Loan options: Ensure the lender offers a variety of loan types that suit your needs—fixed, adjustable, FHA, etc.
- Transparency counts: A good lender is transparent about costs, terms, and the loan process. No surprises!
Remember, your lender will be your financial partner throughout this journey. Choose wisely for a stress-free home buying process.

Happy Halloween! United hopes you have a fun and safe holiday.

If you’re renting, read this: the net worth of US homeowners is 40 times more than renters. To find out why, check out this article: https://www.ucbi.com/support/learning-center/how-homeownership-could-amplify-your-net-worth.

At United, we’re committed to caring for our community—and we’re offering 100% financing programs for medical professionals, residents, and interns. Send me a message to learn more!

*Restrictions apply. Not all borrowers will qualify.

Set yourself up for a successful home search with our homebuyer checklist.

At United Community, we believe homeownership is a key component to building generational wealth and financial stability. To find out whether PATH (Possibilities Achieved through Homeownership) or Portfolio 100 could be an option for you, contact me today.

You don't need perfect credit to buy a house. We offer several loan options with a wide variety of credit score requirements. Give me a call today to see if you qualify.

Post: Organization and planning are essential when you pack for a move. Consider creating a schedule for your move and organizing items by room, common function, and use. The following tips can help you get started.
1. Start with items you won’t need right away. Packing items you don’t use often so you don’t find yourself living out of boxes and repacking.
2. Keep essentials packed separately for quick access. No one wants to go digging through boxes to find necessary items. Packing things such as first aid or flashlights in the same box could eliminate frustration.
3. Color code boxes by room. Having a color system for each room can help you stay organized while packing and unpacking.
4. Allow yourself plenty of time to pack. It’s usually best to give yourself a little more time than you think to organize and pack. Creating a packing schedule for a move is a great way to make sure you give yourself enough time.
5. Load furniture, appliances, and larger items first. This leaves more room for the smaller items toward the door of the truck, making it easier to unload.

Enjoy increased purchasing power with our Portfolio 100 program. It’s the 100% financing loan that travels anywhere.