Sharon Lintault - Silverton Mortgage

Sustainable funding for The Silverton Foundation originates from Silverton Mortgage! A portion of funds is contributed from each closed loan in tribute to our clients, which is then allocated to cover housing expenses for our Foundation families.

So, that means when you finance with Silverton you are making a bigger impact than you think!

Learn more about the Silverton Foundation or donate: www.thesilvertonfoundation.org

Thinking about buying a home but worried about those initial mortgage payments? 🏡💸 A mortgage Buydown could be the perfect solution for you!

A Temporary Buydown is a way to lower your interest rate temporarily, reducing your monthly payments in the early years of your loan. It’s ideal for getting comfortable payments as you settle in. With a Temporary Buydown, either the builder or the seller can pay an upfront fee to lower the interest rate for a set period. This gives you lower monthly payments when you need it most - right at the start!

A Permanent Buydown is a mortgage strategy where the buyer can pay an upfront fee to reduce their interest rate for the entire duration of the loan resulting in lower monthly payments and potential long-term savings.

If you’re curious about how a Buydown can fit into your home-buying journey, let’s chat! I’m here to help you navigate your options. 💬✨

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At Silverton Mortgage, we recognize that home loans are as diverse as the people who seek them. We’ll work closely with you to help you find the right program to fit your unique needs.

Give me a call and we can go over YOUR options!

🔑 Sharon Lintault
🏡NMLS #216210
📲 770-265-0394
💌 [email protected]
🔗 https://silvertonmortgage.com/sharonlintault/

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Times have changed! Mortgages have adapted too! At Silverton Mortgage, we understand one size does not fit all when it comes to loans programs. That’s why we offer affordable options with flexible requirements and terms.

Ready to get started on your path to homeownership? I can help! Send me a message.

Happy Halloween 🎃
Securing a home mortgage shouldn't be scary – send me a message to start the "haunt" for your home loan!

Here’s the breakdown on how it’s determined ⬇️⬇️

✨ Credit Score: Lenders check your credit score to assess how responsible you’ve been with borrowing in the past. A higher score can get you better interest rates.

✨ Income & Employment: Your income and job stability are crucial factors. Lenders want to see a steady source of income to ensure you can make your mortgage payments.

✨ Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your income. Lenders prefer a DTI below 43% to ensure you can handle mortgage payments along with other debts.

✨ Down Payment: The size of your down payment also plays a role. The larger your down payment, the less you need to borrow, making you less risky for lenders.

Once these factors are reviewed, the lender provides a pre-approval letter, stating how much you’re eligible to borrow and the terms of the loan.

Ready to get started? ➡️ Send me a message and we can start the pre-approval process.

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Silverton Mortgage, we care about the safety of our agents. Swipe through our tips and see if you already practice any of these naturally.

Share your own safety tips in the comments to help other agents follow best practices and stay safe too!

5.0 star review received on Experience.com for Sharon Lintault by Lisa D - I never have to worry about getting to the closing table with Sharon. She communicates with my clients throughout the process and helps them with any issues that may arise. Makes my job so much easier!

New ★★★★★ 5 Star Experience.com Review by Lisa D Click to see all 459 reviews of Sharon Lintault, Mortgage Loan Originator | NMLS 216210

We recommend it! An agent can help you navigate the market, find the right home, and negotiate the best deal.

No matter if you are a first-time buyer or a seasoned buyer, having the right team in your corner makes all the difference when buying a home.

Once you’ve set your budget, the next step is understanding how much home you can realistically afford. This includes your mortgage payment, property taxes, insurance, and maintenance costs.

Knowing your affordability helps you avoid getting in over your head.

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Thinking about buying a home?

🏡Here are a few key factors to consider:

🔑Stable Income: Make sure you have a consistent source of income, and you feel confident about your finances.

🔑Credit Score: A strong score can help you lock in a better mortgage rate.

🔑Monthly Budget: Know what you can comfortably afford, factoring in not just the mortgage but also property taxes, insurance, and maintenance.

🔑Debt-to-Income Ratio: Keep an eye on how much of your income goes toward debt payments.

🔑BONUS - Long-Term Plans: Purchasing a home, you can see yourself in for the long haul is a great way to build equity!

✨Need help figuring it out? I can help you make the best decision for your financial situation! Let’s talk!

Send me a message or give me a call
🔑 Sharon Lintault
🏡NMLS #216210
📲 770-265-0394
💌 [email protected]
🔗 https://silvertonmortgage.com/sharonlintault/

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This week, let’s keep in mind that progress is the goal, even if you’re not quite ready to chase your dreams just yet. 🚀 Every small step you take gets you closer to where you want to be. Let’s focus on moving forward together! 💪🏡✨
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Don’t let the thought of 20% down scare you away from homeownership dreams!
🏡 Reach out today and we can start exploring your options and take the next steps towards homeownership.

🔑 Sharon Lintault
🏡NMLS #216210
📲 770-265-0394
💌 [email protected]
🔗 https://silvertonmortgage.com/sharonlintault/

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🎃Getting pre-approved for a mortgage gives you a significant advantage!

Start this step early to streamline your buying experience!

Questions about how it works? Let’s chat and I’ll give you all the details.
🔑 Sharon Lintault
🏡NMLS #216210
📲 770-265-0394
💌 [email protected]
🔗 https://silvertonmortgage.com/sharonlintault/

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Your turning point starts now. 🍂 With market changes and a new season ahead, every week is a chance to make a shift. Whether you're planning your next step or just exploring options, now’s the time to embrace the change. 🏡✨

Ever wonder how your mortgage rate is determined? 🏡💰 It’s based on several key factors, like:

1️⃣ Credit Score: The higher your score, the better your rate! 📈
2️⃣ Loan Amount & Down Payment: A larger down payment can help lower your rate.
3️⃣ Loan Term: Shorter terms often come with lower rates but higher monthly payments.

Don’t forget about APRs! 💡 Your APR (Annual Percentage Rate) gives you a full picture of your loan cost by factoring in both the interest rate and additional fees, like closing costs. APR helps you compare loan offers side by side. 📊
Want to dive deeper and see what rate you could qualify for? Let’s connect! 🤝 We’re here to guide you through the process as your trusted mortgage loan originators.

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🏡✨

Shifting jobs while buying a new home? Our Future Income Program gives you the opportunity to qualify using just your job contract or offer letter while waiting for your traditional 2-4 months of past pay stubs! 🏡✨

You will need to provide your anticipated income details through the form of an offer letter or contract, and submit a pay stub from your new job within 30 days after closing to protect your interest rate and avoid post-closing costs.

Note: This program is for new employment or salary increases; hourly employees are not eligible.

Let’s make your transition smooth! 💼💪

Fall is here, bringing the perfect opportunity for a fresh start—whether it’s saving for a home, improving your credit, focusing on your must-haves, or just making healthier choices. 🍂 With improving rates and a few months left in the year, now’s the time to refocus and finish strong.

Let’s make the most of this season! 🍁✨