A1 Residential Mortgage NMLS 66526 and MLO 132028

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🇺🇸 Happy 4th of July! 🇺🇸

Today we celebrate freedom, independence, and the American dream! 🎇✨

Ready for a new home? Learn more about mortgages with A1RM!

Conventional vs. FHA Loans 🏡

📋 Conventional Loans:
➔ Not backed by the government
➔ Requires higher credit scores
➔ Higher down payments

🏠 FHA Loans:
➔ Insured by the Federal Housing Administration
➔ Lower credit score requirements
➔ Smaller down payments

Find the right loan for your dream home with A1RM.



👉 A1RM.com

ANJU KATARUKA (503-481-3770)
MORTGAGE CONSULTANT/PRESIDENT
NMLS ID: 117655.OR | MLO-117655.WA

HARI KATARUKA (503-381-4179)
MORTGAGE CONSULTANT/VICE PRESIDENT
NMLS ID: 132032.OR | MLO-132032.WA

Serving Our Community in OR, WA, & TX
Equal Opportunity Lender
NMLS #66526 | MLO #132028

🚚 Tips for a Successful Move 🚚

Change is a constant, and moving can be stressful. But with some planning, it can be seamless!

📅 1-2 Months Before Moving:

📞 Contact utility providers to schedule shutdown or transfer:
➔ Water and sewage
➔ Internet and TV
➔ Electricity
➔ Gas/Propane
➔ Trash/Recycling
➔ Insurance
➔ Landscaping services
➔ Gym memberships

📦 Declutter:
Start 2 months ahead. Make 3 piles:
➔ Keep
➔ Donate
➔ Trash

Decide if it's worth moving bulky furniture or buying new.

📝 Address Updates:
Notify:
➔ USPS
➔ Voter registration
➔ Medical/Dental providers
➔ Educators
➔ Banks/Credit cards
➔ Subscriptions
➔ DMV
➔ SSA
➔ Employers
➔ Accountants
➔ Online Merchants

🏡 Moving Day:
Check home one last time:
🔍 Closets, pantries, shelves
🔒 Lock windows and doors
🔑 Return keys or give to realtor
🚛 Secure items in truck

🍫 Keep snacks and drinks handy to stay energized!



👉 A1RM.com

ANJU KATARUKA (503-481-3770)
MORTGAGE CONSULTANT/PRESIDENT
NMLS ID: 117655.OR | MLO-117655.WA

HARI KATARUKA (503-381-4179)
MORTGAGE CONSULTANT/VICE PRESIDENT
NMLS ID: 132032.OR | MLO-132032.WA

Serving Our Community in OR, WA, & TX
Equal Opportunity Lender
NMLS #66526 | MLO #132028

Happy Juneteenth Day.

Happy Juneteenth! 🫶🏿💜

Today we celebrate freedom, unity, and the end of slavery in the United States. Juneteenth represents the resilience, hope, and progress of the African American community! ✊🏿

At A1 Residential Mortgage, we proudly support all customers from diverse ethnicities and backgrounds. 🏡❤️

Learn about mortgages with A1RM! 🏠

📝 Private Mortgage Insurance (PMI)

🏦 PMI protects lenders if a borrower defaults on their mortgage.

💵 Usually required for down payments of less than 20% on a conventional loan.

📈 Adds an extra cost to your monthly mortgage payment.



👉 A1RM.com

ANJU KATARUKA (503-481-3770)
MORTGAGE CONSULTANT/PRESIDENT
NMLS ID: 117655.OR | MLO-117655.WA

HARI KATARUKA (503-381-4179)
MORTGAGE CONSULTANT/VICE PRESIDENT
NMLS ID: 132032.OR | MLO-132032.WA

Serving Our Community in OR, WA, & TX
Equal Opportunity Lender
NMLS #66526 | MLO #132028

🍽️ Time Saving Cooking Tips

📅 Plan your dinner menu for the entire week. Make a shopping list and grab everything in one trip. Use leftovers creatively to save time and reduce waste.

🍗 The deli is your friend. Buy a pre-cooked deli chicken for an easy weeknight meal. The deli also has great side dishes like roasted veggies and mashed potatoes.

🔪 Get started on prep before putting groceries away. Wash and chop all the vegetables for the week's meals, then store them in the fridge.

🍲 Cook once, eat twice. Double your favorite recipes and freeze extras in easy-to-thaw portions for quick meals later.

🛒 Keep your pantry fully stocked. Having a variety of food options makes it easy to extend meals. Add black beans to taco meat, extra veggies to soup, or make a casserole with soup, pasta, and leftover meat.

Visit the rest of our Newsletter for this month!
https://mydigitalnewsletter.online/anjukataruka/

🌐 📑 Apply for a Home Loan at A1RM.com

📲 Anju (503-481-3770) or Hari (503-381-4179).

ANJU KATARUKA (503-481-3770)
MORTGAGE CONSULTANT/PRESIDENT
NMLS ID: 117655.OR | MLO-117655.WA

HARI KATARUKA (503-381-4179)
MORTGAGE CONSULTANT/VICE PRESIDENT
NMLS ID: 132032.OR | MLO-132032.WA

Ever wondered what APR is and how it differs from the interest rate? 🤔 APR (Annual Percentage Rate) includes not only the interest rate but also other fees and charges associated with your mortgage. It gives you a more comprehensive picture of the total cost of borrowing. 💰💡

🌐 📑 Apply for a Home Loan at A1RM.com

📲 Anju (503-481-3770) or Hari (503-381-4179).



ANJU KATARUKA (503-481-3770)MORTGAGE CONSULTANT/PRESIDENTNMLS ID: 117655.OR | MLO-117655.WA

HARI KATARUKA (503-381-4179)MORTGAGE CONSULTANT/VICE PRESIDENTNMLS ID: 132032.OR | MLO-132032.WA

Happy Easter

Happy Holi🎊🎉

🍀 Happy St. Patrick's Day 🍀

It's Your Lucky Day, A1RM Has More Home Buying Tips For You! 🏡✨

✅ DO: Keep Good Records! 📑💼
🚫 DON’T: Be Surprised if Asked for Additional Documents. 🤨📂

Lenders love documentation. 🕵️♂️ Keep good records for a smooth process.

🌐 📑 Apply for a Home Loan at A1RM.com

📲 Anju (503-481-3770) or Hari (503-381-4179).



ANJU KATARUKA (503-481-3770)
MORTGAGE CONSULTANT/PRESIDENT
NMLS ID: 117655.OR | MLO-117655.WA

HARI KATARUKA (503-381-4179)
MORTGAGE CONSULTANT/VICE PRESIDENT
NMLS ID: 132032.OR | MLO-132032.WA

Happy Holidays and Happy New Years
A1RM Team