A1 Residential Mortgage NMLS 66526 and MLO 132028, Hillsboro, OR Videos

📊 Understanding Debt-to-Income (DTI) Ratio with A1RM 💡 The Debt-to-Income (DTI) ratio measures your monthly debt payments relative to your gross monthly income. 🧮 For example: 💸 Total monthly debt payments: $2,000 💵 Gross monthly income: $6,000 🔢 DTI ratio: 33.33% Knowing your DTI helps you understand your financial health and readiness for a mortgage! 🏡💼 #A1ResidentialMortgage #DTIRatio #FinancialTips #HomeBuying #MortgageAdvice #KnowYourNumbers #DreamHome #FinanceFacts 👉 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

📢 Attention First-Time Home Buyers! 📢 Here's the documentation you'll need to get started with A1RM: 📝 Latest Tax Return 1040 (including ALL schedules) 📝 Latest TWO W2 for ALL borrowers 📝 VISA documents (H1B, EAD, I797A, Green Card – front & back) if applicable 📝 Most recent 3 paystubs for ALL borrowers 📝 Driver License copy front & back for ALL borrowers 📝 Current 2 month ALL bank statements 📝 If receiving a Gift, we need [Donor Name, Email Address, Phone Number & Address] 📝 Current 2 month stock statements 📝 Current 2 month 401K 📝 Complete the signed purchase contract by ALL parties Get everything in order and make your dream home a reality with A1RM! 🏡💼 #FirstTimeHomeBuyer #A1ResidentialMortgage #HomeBuying #MortgageTips #DreamHome #Documentation #HomeLoan 👉 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 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. #4thOfJuly #IndependenceDay #A1ResidentialMortgage #ConventionalLoan #FHALoan #HomeLoans #MortgageTips #CelebrateFreedom 👉 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 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. #4thOfJuly #IndependenceDay #A1ResidentialMortgage #ConventionalLoan #FHALoan #HomeLoans #MortgageTips #CelebrateFreedom 👉 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! #MovingTips #A1ResidentialMortgage #HomeMove #StressFreeMove #NewHomeJourney 👉 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! #MovingTips #A1ResidentialMortgage #HomeMove #StressFreeMove #NewHomeJourney 👉 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! #MovingTips #A1ResidentialMortgage #HomeMove #StressFreeMove #NewHomeJourney 👉 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! 🫶🏿💜 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. #Juneteenth #FreedomDay #Diversity #PMI #HomeLoans #MortgageTips #A1ResidentialMortgage 👉 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! 🫶🏿💜 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. #Juneteenth #FreedomDay #Diversity #PMI #HomeLoans #MortgageTips #A1ResidentialMortgage 👉 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 Father's Day from A1RM! 🙍‍♂️🎉 Happy Father's Day to all the amazing dads who make a house a home! 🏡❤️ #FathersDay 🏡 Ready to make your dream home a reality? 💵 An Earnest Money Deposit (EMD) is your show of good faith when making an offer on a property. 🤝 It demonstrates your seriousness and commitment. 🏠 If the sale goes through, the EMD is applied towards your down payment or closing costs. 🔄 If the sale falls through due to reasons in the contract, you may get your EMD back. 🚫 But if you default, the seller may keep the EMD as compensation. 📞 Ready to learn more? Contact us at A1RM.com or call Anju at 503-481-3770 or Hari at 503-381-4179. #FathersDay #HomeBuying #EarnestMoneyDeposit #A1RM #HomeLoans #DreamHome 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 Father's Day from A1RM! 🙍‍♂️🎉 Happy Father's Day to all the amazing dads who make a house a home! 🏡❤️ #FathersDay 🏡 Ready to make your dream home a reality? 💵 An Earnest Money Deposit (EMD) is your show of good faith when making an offer on a property. 🤝 It demonstrates your seriousness and commitment. 🏠 If the sale goes through, the EMD is applied towards your down payment or closing costs. 🔄 If the sale falls through due to reasons in the contract, you may get your EMD back. 🚫 But if you default, the seller may keep the EMD as compensation. 📞 Ready to learn more? Contact us at A1RM.com or call Anju at 503-481-3770 or Hari at 503-381-4179. #FathersDay #HomeBuying #EarnestMoneyDeposit #A1RM #HomeLoans #DreamHome 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

Happy Mother's Day to all the incredible moms out there! 💐 Today, we celebrate your love, strength, and endless sacrifices. 💕 In the spirit of nurturing homes and families, let's talk about LTV (Loan-to-Value) ratios with A1RM. Understanding LTV ratios is key to securing the best mortgage options for your dream home! 🏠💖 #HappyMothersDay #A1RM #HomeFinancing 🌐 📑 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 & TX | MLO-117655.WA HARI KATARUKA (503-381-4179) MORTGAGE CONSULTANT/VICE PRESIDENT NMLS ID: 132032.OR & TX | MLO-132032.WA

Curious about escrow vs. non-escrow? 🤔 Escrow involves setting aside funds for property taxes and insurance, managed by the lender, while non-escrow means handling these expenses on your own. Learn which option suits you best with A1RM! 🏠💰 🌐 📑 Apply for a Home Loan at A1RM.com 📲 Anju (503-481-3770) or Hari (503-381-4179). #Escrow #HomeFinancing #HomeBuying 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

Curious about a Closing Disclosure (CD)? 📑🏠 It's a document given by lenders 3 days before closing, outlining all loan terms & costs. Ensuring transparency, it allows borrowers to review and understand the financial aspects of their mortgage before signing the closing documents. Don't forget to review yours! 📊💡 🌐 📑 Apply for a Home Loan at A1RM.com 📲 Anju (503-481-3770) or Hari (503-381-4179). #ClosingDisclosure #MortgageTransparency #HomeBuying 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

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). #APR #InterestRate #MortgageBasics 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

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). #APR #InterestRate #MortgageBasics 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 from A1RM's Home Wisdom! 🏡✨ ✅ DO: Remain Current on All Credit Accounts! 💳📈 🚫 DON’T: Take Advice from Non-Professionals. 🤷‍♂️🚫 Navigate the path to homeownership with A1RM's expertise! 🌐💼 Don't hesitate to contact us for a happy, painless experience. 🌐 📑 Apply for a Home Loan at A1RM.com 📲 Anju (503-481-3770) or Hari (503-381-4179) #HappyEaster #EasterJoy #HomeWisdom #A1RMAdvantage 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 Holi from A1RM! 🕉️ Dive Into the Vibrant Colors of Holi with A1RM's Mortgage Do's and Don'ts! 🌈 ✅ DO: Ask Questions! 🤔💬 🚫 DON’T: Panic! (Really; It’s Going to Be Fine.) 😌🌟 Our team is here to help guide you through all the colors of financing a home. 🎨🏡 Ask, learn, and trust the process. 👍 🌐 📑 Apply for a Home Loan at A1RM.com 📲 Anju (503-481-3770) or Hari (503-381-4179). #HoliCelebration #HomeWisdom #A1RMAdvantage 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