Olivia M Landois, Mortgage Loan Originator

At Motto Mortgage, we believe diverse homeownership helps create thriving, stable communities. That’s why we’re committed to closing the homeownership gap and therefore better the communities that we live in and serve. Ready to learn more? Feel free to send a message. 🏠

🧰 A few simple curb appeal projects can change the look and feel of your home, all while increasing its value:

- Clean up the exterior 🧹
- Revamp your front door 🚪
- Install shutters 🪟
- Install outdoor lighting💡
- Plant some flowers 🌻

Whether it is a condo downtown, a townhouse in a trendy neighborhood, or a single-family home in the suburbs, each house hunter has a different vision of their perfect home. Motto Mortgage knows unique homeownership goals are only possible with a variety of loan products to choose from. Send a message and we will figure out which loan product works best for you. 🏠

Did you know that 75% of Americans consider homeownership the ultimate achievement? 🏠 That's right, it even tops graduating college, finding success in a career, and raising a family. Intrigued? 🤔
You can learn more here: https://www.nytimes.com/2022/06/02/realestate/homeownership-affordability-survey.html

💿 Remember when CDs were the prized possessions you couldn’t live without? There was nothing like blowing the dust off your favorite tunes, popping it into your CD player, and jamming out.

Those compact disks might be as outdated as a rotary phone, but one type of CD will never go out of style! The home loan CD — otherwise known as the closing disclosure. 🏠

It’s a document you’ll receive at least three days before you close on a home loan. The CD includes everything you need to know about your mortgage loan, including:

✅ Your interest rate and Annual Percentage Rate (“APR”)
✅ Your future monthly payment
✅ Your itemized closing costs
… and it never gets scratched. Take that, compact disks.

Have more home loan questions? Send a message anytime.

😱 You’d never buy a house without checking out a few options first, right? Then you shouldn’t skip comparing home loans.

Reach out for a comparison of hundreds of potential home loan options from dozens of lenders.

“This nation will remain the land of the free only so long as it is the home of the brave.” – Elmer Davis

Ahh, the dreaded 20% myth. Just like swallowed gum doesn’t stay in your stomach for 7 years, most homebuyers don’t have 20% to put down as a down payment. Thankfully, there are mortgage options that can help put customers into a home for as little as 3% down. 🏠

Want to know more about your down payment options? Reach out today!

💰 Has your home equity increased over the years? A cash-out refi could let you replace your current mortgage loan with a new one — and pocket some cash in the process.

You can start daydreaming about that bathroom renovation now. No judgment here.

➡️ Send a message for a cash-out estimate. No cost. No commitment. No joke. ⬅️

P.S. Cash-out refinances can be used to fund other things too! Think home renovations, a new financial investment, and more.

Mortgage Brokers: They're personal shoppers, cheerleaders, shoulders to cry on... Sometimes even miracle-workers! And we may be biased, but we truly believe they're some of the best mortgage professionals out there. 😎

So, on this National Mortgage Broker's Day, send a quick pat-on-the-back to the broker in your life! We all know they deserve it. 🙌

Need to pocket a little extra cash each month? A home loan refinance might be able to help. 🔥🔥🔥

If you owe less on your mortgage loan than your home is worth now, you have home equity. And that could mean a mortgage loan refi could be an option for you.

PLUS, with on-the-go loan application tech, you can do a refi the easier way (but with full-service support).

➡️ Message for a number crunch to see if a refi could save you money each month. No cost. No commitment. No joke. ⬅️

Purchasing a home can be one of the best long-term investments you make. It can also be one of the most intimidating. Before you take on homeownership, it is a smart move to talk with a mortgage professional to see if buying a home aligns with both your short-term and long-term goals. 🎯 🏠

Ready to discuss homeownership? Send a message today!

Did you know that the name "mom" was actually coined by babies? "Ma" is the first sound most infants can make. That's why the word for "mom" starts with an "M" in almost every language. So, to all the "ma's" out there, happy Mother's Day! 💓

You can celebrate with some more mom-tastic fun facts here 👉 https://www.townandcountrymag.com/leisure/arts-and-culture/g19561312/mothers-day-facts/

A mortgage term is the number of years you have to repay your home loan. Typically, mortgage terms are 15 or 30 years. If you go with a 30-year term, you’re just under 11,000 sleeps away from owning your home outright. So, start dreaming those sweet dreams of outright homeownership. 😴

Need more help understanding mortgage jargon? Reach out today!

💰💵 Could you use some extra cash right now?

Whether it’s an unexpected expense or an upcoming tuition bill, your home’s equity could be the solution. Send a message to see if a cash-out refinance works with your financial goals.

Happy Cinco de Mayo to all who partake! 🇲🇽
For celebratory ideas that go above and beyond just tacos and margs, visit: https://www.bhg.com/holidays/traditions/celebrate-cinco-de-mayo-respectfully/

🏠 Your house is so considerate. It might have been saving up equity all these years so you can make those home upgrades you’ve been dreaming of... without breaking the budget. 💵

Sound good? Then it could be time for a home equity line of credit (HELOC). A HELOC might be able to help you tap into the value your house may have accrued since you bought it. Here’s what you need to know:

✅ If your home is worth more than you owe on your mortgage loan, you have home equity
✅ A HELOC might allow you to borrow, then use that home equity like cash
✅ Using a HELOC to update your home can potentially improve the value of your home

FYI: The HELOC will also be secured by a lien on your home and is an additional debt you will have to pay.

➡️ Ready to see if you qualify for a HELOC? Reach out for a number crunch. ⬅️

So, how do mortgage brokers typically help borrowers save on their home loans? 🤔
For me, it comes down to comparing hundreds of mortgage loan options on your behalf.
📲 Ready to compare your home loan options? Message me and I’ll crunch your numbers. 🔢

Is paying rent throwing money out the window? 🤔
Rent pays off someone else’s investment while owning a home helps pay off your investment. Plus, as rent prices spike across the country, there has never been a more opportune time to have more control over your financial future. 💰

Message today to see how homeownership can help provide stability for your life and wallet.

These smaller interest rates could save you BIG! 🥳

➡️ Ready to see if a refi is right for you? Reach out so we can crunch your numbers. ⬅️

When you're trying to keep up in the home buying race, you want to have every advantage. Getting a home loan pre-qualification can make the difference between winning and losing an offer. Contact me today to cross the starting line.

Should I stay, or should I go? 🎶

Are you outgrowing your home? Maybe even contemplating a move? What if you could transform your current home so it evolves alongside you? A renovation loan could be the solution you’re looking for whether you’re hoping to refresh your home for yourself or increase market value when the time comes to sell.

Questions about renovation loans? Message me for details. 🛠️

Discount points – sometimes called mortgage points – are a one-time, up-front fee paid by the borrower to lower the interest rate on a mortgage loan. These points are paid at closing and can help borrowers save on the overall cost of the loan.
Need some pointers to see if discount points are the right choice for you? Message me today.

Knowing your budget before any big purchase is a wise move. But knowing your budget when the time to house hunt is essential. ✅
Want to run the numbers on your own time before we connect? Check out our easy-to-use home affordability calculator.

https://calculators.lenderhomepagecdn.com/motto/how-much-can-i-afford