Kurt Branstetter NOVA Home Loans San Diego

Are you a first-time homebuyer? Here are a few tips to help you navigate the process and make the most of your investment!
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Homeownership can provide opportunities for homeowners to develop social networks within their community. By interacting with neighbors and participating in neighborhood events, you foster a sense of belonging which can lead to increased community involvement and collaboration.
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With a low down payment and expanded financing flexibility, NOVA offers an ideal mortgage solution for you whether you’re a first-time or repeat buyer. To address some of the barriers to entry for very low-income purchasers, we are implementing a new $2,500 credit that can be used towards down payment and/or closing costs.

NOVA will provide the $2,500 credit to be applied towards your down payment and/or closing costs, including mortgage insurance premiums. Contact your local NOVA loan officer today!
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Home equity is the magic ingredient that can transform your house into a valuable asset. It's the difference between your home's market value and the outstanding balance on your mortgage. Learn how to leverage home equity for financial opportunities, renovations, or even a rainy day fund. Learn more about how to unlock the potential of your biggest investment!
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If you feel like saving enough for a down payment is impossible, start small! Cutting back and saving just a little each day can go a long way.
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Ask me how to get reduced mortgage payments for your first three years of homeownership!
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If you have any questions about getting started, navigating the process, or understanding the essentials of home buying, drop your questions in the comments below. Our team of experts is excited to provide guidance, share valuable insights, and address any concerns you may have. Let's make your dream of homeownership a reality!
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Are you struggling to save enough for a down payment?

Exciting news! We're taking your homeownership dreams even further with the WISH program.

Now, your savings are matched at a remarkable 4:1 ratio (up to $29,000), helping you reach your down payment goals faster than ever before..

Funds are limited! Reach out today and check the box and let’s make your homeownership dreams come true.
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Negotiating is about compromise. You might not get everything you want. Especially if you’re buying in a hot market!
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Looking to buy a home? Here are some do's and don'ts to keep in mind to make your home buying journey a success!
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Thinking of buying a house? Here are a few questions you should ask yourself first!
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Take control of your finances, invest in your future, and watch your wealth grow towards financial freedom.
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Has skyrocketing rent and rising interest rates left you wondering if you’ll ever be able to purchase your own home?

We offer a number of programs to help make buying a home more affordable. By buying now, you could bypass competitive property battles and we can help you with a refinance through our Repeat Customer Incentive Program to take advantage of lower rates in the future.

Start putting money back into your pocket and not your landlord’s! Contact us today to learn more!
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Certain tax deductions, such as mortgage interest and property tax deductions may be eligible to help reduce your tax liability. As the property value appreciates over time, you have the potential to benefit when you decide to sell the home.
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Thinking about buying a home? There are several important factors to consider to make sure you find the right fit for your needs and budget.
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There are many benefits of owning a home! Here are just a few.
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The amount that you can borrow will depend on your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give me a call, and I can help you determine exactly how much you can get approved for.
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Your home journey doesn't end at the purchase. It evolves with you. After purchasing your dream home the purchase price is final, but your loan terms don’t have to be. NOVA Home Loans offers you the flexibility to renegotiate your interest rate and loan terms.

When you're prepared to purchase a home, the last thing you should have to worry about is potential future fluctuations in interest rates.

After purchase, if rates…
↑ - No worries, you benefit from the lower rate that what would be available now.
↔ - Stay Relatively Unchanged - No worries, you continue to build wealth through appreciation and a decreasing loan amount.
↓ - No worries, you may be able to take advantage of a no-cost refinance after 6 timely payments.

Call or DM me today so we can explore how you can reshape your home loan for the better!
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Don't miss out on your dream home! You could have the opportunity to refinance later down the road.
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Don't let a down payment stand between you and your dream home. Explore affordable options and take that first step towards homeownership today!
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The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.
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