JoDee Lambert at United Bank Mortgage - NMLS #659414
Nearby finance companies
110 University Blvd.
University Boulevard
With 25+ years experience I am here to lead you through the mortgage loan process.
Study: Homeowner Wealth Is 40 Times Higher Than Renters www.nar.realtor/magazine/real-estate-news/study-homeowner-wealth-is-40-times-higher-than-renters
The Chenoa Fund® DPA for Federal Housing Administration (FHA) Loans is a lending initiative designed to make home buying easier. Depending on your needs, the assistance may be either repayable or forgivable. Contact me today for more information!
ADP Employment Report (August 2024)
Private sector job growth was well below forecasts in August, as employers added 99K new jobs versus the 145K that were expected. This was the fifth straight month that job growth slowed among private employers, while small businesses once again reported job losses. This labor sector softening should be supportive of a Fed rate cut at their meeting on September 18.
The Paycheck-to-Paycheck Paradox
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REALITY: You don’t have to wait to buy a house until you’ve paid off your student loans! 🎓 🏡 If you have solid, reliable income, are making consistent monthly payments and have a DTI of less than 50%, you can buy a home. 🏦 Let’s explore your options.
Enjoy your downtime!
REALITY: DPA knows no boundaries. 💰 Down payment assistance comes in various shapes and sizes for eligible borrowers who have different needs. DPA is not just about income; it's about making homeownership more accessible to everyone. Let’s find the right program for you! 🔍
Hey! That’s On My Property! Can you finance a home when your neighbor’s fence, shed, or other structure is partially on the property you want to purchase? The technical term for that is “encroachment.” When a survey or appraisal is completed, and it shows a structure on your neighbor’s property encroaching onto your property, it can sometimes cause an issue. The key is determining the severity of the encroachment and understanding the allowances that lenders will make. Questions? Let’s Talk!
REALITY: Credit scores aren’t everything. 💳 While credit scores matter, they aren’t the sole decider in getting a loan. Some loan programs designed for first-time buyers offer more flexibility, even with a lower credit score. Let’s find the right fit. 🧩 🔍
What ‘boommates’ are and why you might want to join them
Advice | What ‘boommates’ are and why you might want to join them Thousands of baby boomers are living with intergenerational housemates — a setup that could help ease the housing crunch and cut global warming emissions.
REALITY: it’s not a one size fits all! 📏 While a substantial down payment can be a plus, it's not the sole factor determining interest rates. Credit score, loan type, market conditions and other factors also play crucial roles. 📈 💳 Let’s navigate the down payment and interest rate maze together.
Thinking about purchasing a home? 🏠 Take the first step by getting pre-qualified for a mortgage. It can give you an idea of how much home you can afford and show sellers you're a serious buyer. Contact me today to get started!
REALITY: Private MI can be a game changer! 🎯 Private MI makes lower down payments possible, helping homebuyers reach savings goals faster and become homeowners sooner. 🚀 🏠 Let’s expand your options together.
Buying your dream home just got easier with the FHLB Workforce Housing Plus+ Program! Whether you’re a first-time buyer or looking to move up, I am here to support you every step of the way. Contact me today to see if you qualify and start your journey toward owning a home.
REALITY: Many buyers secure their dream homes with WAY less. 🔑 There are loan programs that allow for down payments as low as 0-3% as well as tailor-made solutions to suit diverse financial backgrounds. 💰 Let's match the right plan to your unique needs.
USDA announced that effective August 4, 2024 the maximum allowable payment as compared to a person’s income has increased from 29% to 34%. That can make a real difference when qualifying for a USDA home loan program, which allows qualifying borrowers to finance up to 100%. If you would like more details on this program, please message me.
Now that we’ve established the ‘why’, let's get into the ‘what’. We’re breaking down the four most valuable home improvement projects that you can tackle without calling in the pros. Spoiler alert—they’re easier than you think and pack a serious punch when it comes to added value. https://ow.ly/Tzh450SBBCj
When I hear people say home values are dropping🤔.
MBS Highway Housing Index (July 2024)
The MBS Highway National Housing Index dropped 9 points in July 2024 to 44, as buyer activity levels fell across the nation. We’re well into summer, but 7% mortgage rates and still-rising home prices have put a winter chill on transaction volumes.
More people are taking a mortgage over 40 years – what this means for young people’s finances
More people are taking a mortgage over 40 years – what this means for young people’s finances As mortgage costs rise more first-time buyers are choosing longer-term loans to keep the monthly payments down.
Fed "Getting Closer" to Rate Cuts
After friendly inflation readings throughout the second quarter, more Fed members are signaling they are "getting closer" to cutting interest rates, with growing odds of a cut happening at their meeting on September 18. Inflation and labor market data between now and then will play a pivotal role in this decision.
Buying a home with a friend? Here’s how to insure it
Buying a home with a friend? Here’s how to insure it Bankrate details what to know about insuring a home purchased with a friend.
Consumer Price Index (June 2024)
The Headline Consumer Price Index fell 0.1% from May to June, marking the first monthly decline since the start of the pandemic. Plus, annual Core CPI (which removes food and energy prices) reached a more than 3-year low of 3.3%, due in part to moderating shelter costs. How will these friendly inflation numbers impact the Fed's timing for rate cuts this year?
We offer several types of construction and renovation loans to meet your needs. Build with Confidence. Contact me today! 🏡
Whether you’re looking for a beachfront escape or a cozy home for family barbecues, we’ve got the perfect loan to match. 🍔🏠
Struggling to understand what's available? We can help.
What You Need To Know About Today’s Down Payment Programs There's no denying it's gotten more challenging to buy a home, especially with today's mortgage rates and home price appreciation.
We love helping you prioritize your outdoor spaces when the weather finally gets warm. If your space only boasts an outdoor dining set and a large umbrella, why not try transitioning your indoors out and making the most of these warm weather days? If you ...
Freddie Mac CreditSmart® Essentials is a great place to get educated on money and credit.
https://ow.ly/5EA750SoBbJ?
"Is it the right time to buy a home?" That's a common question, and I’m here with answers. Contact me today and let's explore current market conditions and what they mean for your home buying journey. 💰
Today, we honor Juneteenth, a historic day marking the end of slavery in the United States. Let's reflect on our shared history, recognize resilience, and celebrate African American culture. Together, let's strive for equality, justice, and unity. Happy Juneteenth!
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Address
110 University Boulevard
Harrisonburg, VA
22801
Opening Hours
Monday | 8am - 5pm |
Tuesday | 8am - 5pm |
Wednesday | 8am - 5pm |
Thursday | 8am - 5pm |
Friday | 8am - 5pm |
Saturday | 8am - 9pm |
Sunday | 8am - 9pm |
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