Carlos Bucio - Guild Mortgage

It's time for your weekly look at what's happening with rate movement, the economy and the housing market. Watch to the end for a quick smile.

Academy Mortgage presents: Markets in a Minute See what's going on in the housing marketing THIS week.

It's the one day a year where it's socially acceptable to eat chocolate for breakfast, lunch, and dinner. Happy Valentine's Day to those who celebrate!

Happy Valentine’s Day! Here’s how other countries celebrate:

1. Bulgaria – February 14 is the "day of winemakers," and festivities feature local wine.
2. Japan - Women give chocolates to men. A month later, on White Day, men reciprocate with gifts.
3. Mexico - Celebrations involve both romantic and platonic relationships.
4. Philippines – In recent years, mass weddings have been gaining popularity.
5. Wales –Traditionally, couples have exchanged hand-carved wooden spoons.

Hoping your day is filled with sweetness, love, and laughter.

Rates are higher than they used to be, decreasing affordability for homebuyers. Luckily, there’s a way to solve this problem with Academy’s new Conventional 7/6 ARM.

If you want to learn more about securing a lower mortgage rate for the first seven years of your loan term *and* potentially qualifying for a larger loan amount, send me a message.

You have a packed schedule! You’re trying to stay on top of your health, be successful in your career, spend meaningful time with family, maintain a social calendar – do I need to keep going? While you’re busy crushing goals, don’t let your goal of owning a home fall to the wayside because you’re busy. Whether it’s before you hit the gym or after you’ve clocked out for the day, I’m here to help you make those goals a reality. Contact me today!

Should you start with a starter or hold out for your forever home? Find out here: “https://tinyurl.com/2bx82wba?lo=Carlos-Bucio”

If you’re ready to become a homeowner, I’m ready to help. Contact me to see which affordable mortgages you may qualify for.

Is it too early to start planning summer vacation? Asking for a friend.

Know what’s encouraging? The fact that over 2,000 down payment and closing cost assistance programs exist, for both first-time and repeat homebuyers. Read more here: “https://tinyurl.com/3wxchvnv?lo=Carlos-Bucio”

Then contact me to find out which programs you might qualify for.

Answer: Ronald Reagan. President Reagan met Phil in 1986 during a ceremony held at the White House.
Did you get it right? Happy Groundhog Day for Academy Mortgage!

If you’re preparing to buy a home, have you started to budget for your closing costs? Find out how much you can expect to pay—and then contact me for more info on reducing them: “https://tinyurl.com/mvwm2ra6?lo=Carlos-Bucio”

What they say is true: Right outside your comfort zone is where the magic happens.

It's National Belly Laugh Day! Whether it's watching funny animal videos or giggling with an old friend, I hope you find some time to celebrate.

What can you release that's no longer serving you? And how good would it feel to finally let it go?

Today is a day to reflect, honor, and celebrate. Here are a few ideas to get you started:

1. Make sure you’re registered to vote.
2. Attend a parade or tribute concert.
3. Volunteer for a community clean-up.
4. Read one of Dr. King’s letters or speeches.
5. Watch a civil rights documentary.

Happy Martin Luther King Jr. Day!

When what's before you seems overwhelming, take it one step at a time.

The anticipation of starting a new year fresh—there's nothing like it. What are you hoping for in 2024?

May this year be a year of health and happiness, of wealth and wisdom, of peace and prosperity, and also a year of love and laughter!

Let's make this a December to remember. Wishing you love and laughter today and in the year ahead.

Homebuyers, lace up your shoes! Just like that exciting feeling when you catch the perfect stride, we're experiencing the rush of dropping interest rates! It's your golden opportunity to sprint toward homeownership with improved affordability and increased buying power. But, like any race, there's competition. Lower rates mean more offers and higher demand. So, don't wait too long. Ready to make your move? Let's chat about your homebuying goals and navigate this opportune market together!

May your holidays be filled with warmth and cheerful celebration.

Great news! Rates are declining, unlocking better affordability and increased buying power for you! However, it's a double-edged sword, as lower rates also mean more competition with more offers and reduced seller credits. But there is still time to place you in a prime position to enjoy lower rates and retain negotiating leverage. Comment below or DM to request a free mortgage consultation to start your journey into homeownership! Now is the perfect time to get started.