Ronald Cepeda Mortgage Loan Originator NMLS# 407464

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Pioneer Mortgage Funding Inc
NMLS:407464 📲305-785-3915
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Mortgage points, also known as discount points or simply "points," are a form of prepaid interest that borrowers can pay to lenders at the time of closing a mortgage. Each point typically costs 1% of the total loan amount. By paying points upfront, borrowers can effectively lower their mortgage interest rate over the life of the loan.
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Make sure you are getting the best interest available.
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Click link in Bio “ Get an Interest rate quote”
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Could this be the end of rate hikes?
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Let me know your thoughts in the comments.
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NMLS:407464 📲305-785-3915
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Do you know the 2-1 buy down formula?
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Unlocking a lower interest rate in today's market can be a game-changer for savvy homebuyers, and there's a simple yet powerful strategy at your fingertips: the 2-1 buydown program. By leveraging this fantastic opportunity, you can secure a reduced interest rate for the crucial early years of your mortgage.
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A liquidity based loan, also known as an asset-based mortgage. Is where lenders take into account the borrower's assets, including bank account balances, stocks, and retirement accounts, as a way to determine their creditworthiness.
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Renovating Properties: In Monopoly, strategic property renovations can significantly increase rental income. Similarly, homeowners can apply this principle to real life by investing in property renovations or improvements. By upgrading existing properties or purchasing homes in need of renovation, homeowners can increase the value of their investment and attract higher-paying tenants. Renovations can range from simple cosmetic upgrades to more extensive projects, depending on the budget and desired return on investment.
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Leveraging Equity: Just like in Monopoly, homeowners can leverage the equity in their current property to expand their real estate portfolio. By refinancing or taking out a home equity loan, homeowners can access the equity they have built up over time and use it as a down payment for a new property. This method allows them to capitalize on the value of their existing property and expand their real estate holdings.
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"Unleash Your Inner Tycoon: Discover How to Play Monopoly in Real Life and Turn Properties into Profits! Tune in to my next reel as I reveal the ultimate secrets and strategies.
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Can you Finance a Condo-Hotel unit?
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Claro que yes, with a Non-Qm DSCR mortgage you can.
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Profit and Loss mortgage is a non-QM product designed specifically for self-employed individuals or borrowers with non-traditional income sources. Unlike traditional mortgages that rely heavily on W-2 forms and tax returns, P&L mortgages consider the borrower's business profit and loss statements to assess their creditworthiness. These mortgages provide an opportunity for self-employed borrowers to obtain financing based on their business revenue and overall financial situation.
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In today's evolving workforce, many individuals are embracing the freedom and flexibility that comes with being self-employed. While being your own boss has its perks, securing a mortgage can often be a challenging endeavor for self-employed borrowers due to traditional lending requirements. However, there's good news on the horizon—the 1099 mortgage. This innovative financial solution caters specifically to self-employed individuals, offering a pathway to homeownership that is tailored to their unique financial circumstances.
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If you got turned down by the bank, the 1099 program may work for you. Learn more.
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Learn more about the expanded Home Town Heroes program. First time home buyers can get 5% of the loan amount upto $35,000. Learn more about this incredible program. Click link in bio.
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How Does it Work? Unlike traditional loans that heavily weigh on income verification, bank statement loans focus on the borrower's bank statements over a specified period, typically ranging from 12 to 24 months. These statements reflect the cash flow and overall financial health of the borrower, allowing lenders to assess their ability to repay the loan.
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What is a Bank Statement Loan? A bank statement loan, also known as a self-employed mortgage or a non-qualified mortgage (non-QM), is a type of loan designed for borrowers who have difficulty providing traditional income documentation, such as W-2 forms or tax returns, to verify their income. Instead, these loans rely on the borrower's bank statements as proof of income.
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Not much more to say.

"Stop making excuses and start making progress. Your body deserves the best version of you."
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Yes, it is possible to get a mortgage without tax returns. Traditional mortgage lenders typically require applicants to provide income documentation, including tax returns, to assess their financial stability and ability to repay the loan. However, there are alternative options available for individuals who may not have tax returns or have non-traditional sources of income.
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Schedule a 1 on 1 to learn more.
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NMLS:407464 📲305-785-3915
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Heartfelt congratulations to Over the past four years, he has served as my MLO, demonstrating unwavering dedication and determination. It is with great joy and pride that I celebrate his recent promotion to the esteemed position of Branch Manager in the Tampa area.
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your hard work and persistence have undoubtedly paid off, propelling you to this well-deserved role. Your accomplishments are a testament to your expertise and commitment to excellence.
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For those in search of an exceptional mortgage broker in the Tampa area, I wholeheartedly recommend His professionalism, knowledge, and exceptional service make him the ideal choice.
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Even if you're not located in Tampa, if you're seeking an outstanding mortgage company to collaborate with, I urge you to look no further than . Their dedication to delivering excellence and personalized assistance sets them apart from the rest.
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Once again, congratulations, May your future endeavors as Branch Manager be filled with continued success and fulfillment.
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Are you ready to close your next project?
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Bridge loans are designed to "bridge" the gap, providing temporary funds to cover expenses such as down payments, closing costs, or operational costs. They offer borrowers flexibility and quick access to capital, enabling them to seize opportunities or fulfill obligations without waiting for a traditional loan approval process or the sale of an asset.
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When it comes to real estate transactions, timing is often of the essence. Whether you're looking to purchase a new property while waiting to sell your current one or need quick financing for a time-sensitive investment opportunity, a bridge loan can serve as a valuable tool.
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My parents migrated to the United States from the Dominican Republic with special visas granted to them by the former President Ronald Reagan. Growing up in vibrant cities like New York City, Ohio, and Santo Domingo, and now residing in sunny Florida, I've had the privilege of connecting with individuals from diverse backgrounds around the world. Through these experiences, I have come to recognize a shared love and profound appreciation for this incredible nation. The freedoms and liberties afforded to us as Americans are truly a remarkable gift. On this Independence Day, I extend my heartfelt wishes to everyone, as I stand here with immense pride in being an American.
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Happy birthday America 🇺🇸🙏🏽💪🏽.

A mortgage for a foreign national works similarly to a mortgage for a citizen or resident of a country, but there may be additional requirements and considerations. Here's an overview of how it typically works:
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1. Legal and financial requirements:
2. Mortgage application process:
3. Down payment:
4. Legal and tax considerations
5. Additional requirements: Depending on the lender and the country, there might be additional requirements, such as proof of legal residency, a local bank account, or a local co-signer or guarantor.
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Send me a DM to learn more.
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Yes, foreign investors can qualify for a mortgage in the USA, although the process may vary depending on several factors. Here are some important points to consider:
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Lender Requirements, Visa Status, Down Payment, and U.S. Banking Relationship.
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Get them started early. ⚡️☝🏽

Imagine you've come across an incredible new listing represented by and the condo is priced at $445,000. This is where the 2-1 Buydown mortgage option can truly shine.
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...Always remember if you ain't first you're last.