Adam Lauman - Chase Sr. Home Lending Advisor- NMLS 735999

I’m excited to share the details of our upcoming webcast! Join Ali Wolf, Chief Economist for Zonda, for an afternoon of economic insight and education on the real estate market.

To join the webcast, register here: https://www.surveymonkey.com/r/97FTMDZ

I hope you can make it!

Americans at all income levels continue to rank real estate as the best investment for the long term.

Read more on Gallup’s annual Economy and Personal Finance survey: https://bit.ly/3X6QAaj

The lion’s share of mortgages went to young people last year! Two in five (39.7%) new mortgages issued in 2023 went to homebuyers under 35, and 26.5% went to buyers aged 35-44.

Check out the full analysis here: https://bit.ly/3V564ZH

Gen Zers and Young Millennials Took Out 40% of U.S. Mortgages in 2023 Young people take out the lion's share of mortgages because they’re of prime homebuying age, gaining financial stability and growing families. Plus, they’re less likely than older people to pay cash.

Renting is always an option.

But is it the best option?

For most, it isn’t.

Even with rates that are increased from where they were a few years ago, a mortgage payment is still an investment into yourself and your future.

Homeownership is within reach for most people considering a move.

With low down payment options, homebuyer grants and first-time buyer programs you’d be surprised at how accessible homeownership really is.

🛑 Stop giving your money away and
🚦Start building personal equity

Send me a message to schedule your homebuyer consultation today!

📱 314-230-5775
📧 [email protected]
🪪 NMLS 735999

Chase.com/affordablelending

No matter how much time goes by, home will always be wherever Mom is. to you and yours 💐💞

Did make the list?

Even if your income is less than $100,000, you could still afford a home in 14 of the 50 largest metropolitan areas, according to a recent Realtor.com® analysis.

Check out the affordable housing markets here: https://bit.ly/4a7IhOd

14 U.S. Cities Where You Can Buy a Home If You Make Less Than $100K You don't need to be a millionaire to purchase a home—if you know where to look. Buyers who earn less than $100,000 can afford real estate in these metros.

🐍 I hate snakes.

This isn’t much of a secret. I was walking with my wife last night and we saw a tiny baby snake crossing the road… well she saw it as it was near my feet and told me. I’m not proud of what happened next. I’ll spare the details, but it involved a screaming a couple colorful words and high stepping away from the danger noodle. 😱

It was a perfectly measured response… said no one ever.

This isn’t my standard response though. When I am hiking with family or on my own I flip into guide mode. My awareness turns up and I suddenly remember every nature documentary I’ve ever watched. I am able to calmly navigate the path and also pay attention to what needs attention and the goal becomes keeping those with me safe and enjoying the outing. The snake that left me looking like a cartoon drum major yesterday is now just pointed out while I (mostly) calmly communicate that it’s nothing to worry about and may even enjoy seeing. If there is danger, I am able to spot it early and work to avoid it. ⛔️

That’s what a guide is supposed to do, they keep you on track and work hard to leverage their experience for your benefit.

I’m sure you can guess where I’m going with this. 🕵️‍♂️

Buying a house and completing a mortgage is something that is smoothed by someone that knows the journey well. There are a lot of moving parts to a mortgage. Some can be anxiety inducing and scary if you don’t know what they mean or if it’s normal. Similarly, it can cause a lot of extra stress if you can’t reach your loan officer or have questions. ☎️

In today’s economic environment having a trusted advisor that walks with you throughout the mortgage process can’t be understated. At Chase, our goal is to be that trusted expert. We will provide guidance, experience and knowledge with the goal of a 10/10 experience for our homebuyers and their agents. All while leaving the broker fees and uncertainty out of the equation. 🙌

If you’re in the market or work with clients that need a guide they can trust, shoot me a message. I’d love to work with you.

📱 324-230-5775
📧 [email protected]
🪪 NMLS 735999

Now that we’ve all refreshed ourselves on how long a fortnight is, did you know that Chase can get you closed as quick as a fortnight and a half?
(About two fortnights for FHA and VA loans)

With our $20,000 Closing Guarantee we don’t plan to leave you with regrets on the other side either. (Limited time offer, April 2nd - July 27th, 2024)

Shoot me a message if you’d like to learn more!

📱 314-230-5775
🪪 NMLS 735999
🌐 Chase.com/closing-guarantee for full eligibility requirements

Today was a beautiful day to make some fresh connections at open houses in the heart of Clayton. While I forgot to get a selfie I did have a chance to capture this fun shot.
If you’re in the market, there are some incredible homes hitting the market in and I would love to help you get into one of them!

📱314-230-5775
📧 [email protected]
🪪 NMLS 735999

April is !

We have the tools and resources to help make homeownership surprisingly simple for you. From establishing your budget 🖊️ to managing your mortgage 🏡, we're here to help!

Start your journey here: https://bit.ly/4a0G2x9

Today I’m grateful to work for a company that allows me the flexibility to escape for a day and make a memory with my favorite people. Thanks Chase!

NMLS 735999

Have you ever stopped to consider everything your lender choice can impact?

• Closing. 📝 You’re trusting your lender to get you to the closing table quickly and on time. Chase is so confident that we back it up with 💰💰💰 👉 Chase.com/closing-guarantee

• Education. 📚 An experienced loan officer helps make sure you understand each part of the process from start to finish. Understanding the process helps to relieve anxieties of purchasing not only now, but in future transactions.

• Communication. 📱 In the midst of what can be a super-stressful process, you need to know you can reach the people who know your story and not just a call center.

• Advocacy. 🗣️ Your lender is your voice in the process of the review. They represent you to the bank, their approval is what usually is backing your offer and they’re the one you’re trusting to make sure you have keys in your hand on your closing day.

• Teamwork. 🙌 A good lender is a team player working to coordinate with you, real estate agents, title companies, attorneys and more to ensure you keep progressing to the finish line. You need a team you can trust from the start.

If you or your clients would benefit from a conversation. Send me a message or give me a call. I can’t wait to impress you.

📱 314-230-5775
📧 [email protected]
🪪 NMLS 735999

Don't buy the media hype.
Young people are still buying homes.
I had the pleasure of ending the month with these back-to-back closings for first-time buyers.
Chase has the options to make homeownership possible and these buyers took advantage of them.
These both used the DreaMaker loan and one got to even use a $5000 grant!!!
If you have been thinking about a new home, send me a message and let's schedule a consultation.
Homeownership is within reach!

chase.com/affordablelending

📱 314-230-5775
✉️ [email protected]
NMLS 735999

This one piece of advice could save you a lot of stress when you purchase your next home.

After you apply for your new home purchase, don’t finance anything new until after you close.

Even if you use deferred financing or promotional options, those new items will impact your debt to income ratios and can impact your approval.

If there is an emergency that comes up and you need to open new credit, speak with your loan officer before doing anything to make sure you’re aware of the potential impacts to your conditional approval.

As with the entire process, communication is key. Communication keeps things moving and helps prevent extra stress in what can be a crazy time.

If you ever have questions about buying a home or refinancing, let me know! I’d love to work with you!

📱 314-230-5775
📧 [email protected]
🪪 NMLS 735999