Flint Theobald NMLS 1843033

What can I say other than I love helping people any way I can!

Did you know that Flint and I have been working together for over 4 years in the mortgage industry? We have been busy growing and priding ourselves on delivering exceptional service and expertise to our clients and referral partners.

As a dynamic duo, we understand the importance of effective communication in the mortgage process. We believe that clear and concise communication is key to helping our clients make informed decisions throughout the loan process.

One of our core strengths is our ability to consistently close loans on time. We are dedicated to streamlining the closing process, ensuring a smooth and stress-free experience for our clients. Our meticulous attention to detail and extensive knowledge of the mortgage industry enable us to navigate complexities and ensure a timely closing.

Furthermore, we have a proven track record of increasing production year after year. By implementing innovative strategies and staying up-to-date with industry trends, we consistently exceed expectations and help our clients achieve their financial goals.

Whether you are a first-time homebuyer or an experienced investor, Morgan Cassidy Lending Team is committed to providing you with personalized solutions and exceptional customer service. We will guide you through every step of the mortgage journey, ensuring that you have a positive and rewarding experience.

Contact us today to learn how we can help you or your buyer achieve homeownership dreams!

This is the year Vegas takes home the cup! Go Knights!

Good news everyone! The FHFA has recently rescinded their proposed pricing adjustment for debt-to-income (DTI) ratios, which means that you may now be eligible for a larger loan amount than previously anticipated. This is a big win for the housing market, as it will make homeownership more accessible and affordable. I am thrilled to see this change and encourage anyone in the market for a new home to reach out to learn more and start the process of finding your dream home.

FHFA Rescinds Proposed Loan-Level Pricing Adjustment for DTI Ratios - MBA Newslink The Federal Housing Finance Agency on Wednesday rescinded a controversial proposed loan-level pricing adjustment that the Mortgage Bankers Association said would have had adverse impact on both consumers and lenders.

Great news today!

Fannie Mae & Freddie Mac have officially announced the new max loan limits for 2023. As of today, conforming loan limit is now $726,200 for single family conventional loan. Also FHA has announced new loan limits starting in 2023. FHA is increasing its single family loan limit to $494,500 for Clark County.

Lastly as a bonus, UHM now can do VA C2P loans on properties located in a flood zone! Reach out if you have any questions.

UHM out here with the PBR finals!

We are so happy to announce that we have a brand new office in Las Vegas! We are excited for everybody to join and visit for an afternoon networking event. While joining together to celebrate, let's add in a good cause to the mix as well! Vitalant is joining us for a blood drive starting at 10am. Give blood, have snacks and stay to network with our amazing community!

I am excited to announce the official grand opening of our new office in Las Vegas! On Nov 3rd we hope to see you in to share some food, laughs, and networking. I will be giving blood and hope you will donate too. Please scan the QR code on the flyer or click the link below to sign up do donate and save a life!

https://donors.vitalant.org/dwp/portal/dwa/appointment/guest/phl/timeSlotsExtr?token=jBlnAxeulmAy%2F3kqeKByUubz4s0naI4CDG1HmH5sgQ0%3D

Flint Theobald NMLS 1843033 updated their phone number.

Flint Theobald NMLS 1843033 updated their address.

Flint Theobald NMLS 1843033 is now on WhatsApp.

We are here to help with all your needs. Let me know how I can help you or your borrowers!

MC Mortgage Team…best.0 edition!

We had a chance to all see each other in Phoenix a few weeks ago for our GBSB Conference and it was nothing short of long over due and amazing!

A few things have changed with the team, but let me reassure you it is for us to be more efficient and to better serve our buyers and agents in this crazy home buying market to make sure you are still getting the communication you deserve and love from us!

We added Sandra to the team as our transaction coordinator and she has been rocking!

Flint of course isn’t dropping a beat at the Team Captain roll and we are averaging Clear to Close 7-10 days out from closing right now, just the way we like it!

AGENTS: Are you looking for a mortgage lender that actually communicates? Look no further…

BUYERS: Are you looking for a lender that is not only going to answer all your questions but also take the time to educate you in your home buying process? Here I am, and here is my team!

𝑴𝒐𝒓𝒈𝒂𝒏 𝑪𝒂𝒔𝒔𝒊𝒅𝒚
𝑀𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝐶𝑜𝑛𝑠𝑢𝑙𝑡𝑎𝑛𝑡
𝑤𝑤𝑤.𝑀𝐶𝑀𝑜𝑟𝑡𝑔𝑎𝑔𝑒𝑇𝑒𝑎𝑚.𝑐𝑜𝑚
𝑤𝑖𝑡ℎ 𝑈𝑛𝑖𝑜𝑛 𝐻𝑜𝑚𝑒 𝑀𝑜𝑟𝑡𝑔𝑎𝑔𝑒
𝑁𝑀𝐿𝑆 𝑈𝐻𝑀 2229
𝑁𝑀𝐿𝑆 1948856
𝑁𝐶 𝐼-190190 𝑊𝐴 2126126
__________________________
352.484.4194
𝑀𝐶𝑀𝑡𝑒𝑎𝑚@𝑢ℎ𝑚.𝑐𝑜𝑚

GBSB was so much fun this year! Such a great team and a great leadership. Good things to come!

Talk about a MOTIVATING group of people. So blessed to have such an amazing team. 💕

Thank you to all the brave souls that have given the ultimate sacrifice for our country.

Thank you so much Tabitha, Victoria, and the rest of TK Real Estate group! This was such a thoughtful gift and it is such an honor to work along side you all. Here’s to a fabulous 2021 🥳

Rates are still at an all time historical low. There has never been a better time to consider a refinance.

Are you thinking and planning 2021 out already? If it hasn’t been in your mind, take some time during this last month to map out a road to success next year!

What are some short-term goals you are saving for right now? All month long, in partnership with BALANCE, we will be sharing different types of financial goals you might be working towards alongside this month's webinars! Interested in learning more? Check out our BALANCE page or register for the Basics of Personal Finance webinar here: https://uhmfoundation.balancepro.org/resources/articles/webinars/

Unofficial partners meeting! Don’t worry, the masks are somewhere.
Flint Theobald

If you have been on the fence and thinking about refinancing, now is the time before it is going to cost you more. Call or message me today to see what your savings could be.

Fannie, Freddie Will Impose New Fee on Most Mortgage Refinances (Bloomberg) -- Fannie Mae and Freddie Mac are planning to charge an additional fee on most mortgage refinance loans that could raise costs for borrowers trying to take advantage of historically low rates in an uncertain economy.The mortgage giants, which have been under government control since 2008...

Knowledge is power:
Buy a house and get a 15 year fixed mortgage rather than a 30 year mortgage. Saves a lot of money in interest over the life of the loan. If you must get the 30 year mortgage verify no prepayment penalty. This gives you the flexibility of paying off early if you are able. But also gives the option of making lower payments when times are tough....
When you start your job, get an HSA account not FSA and get the high deductible health insurance. It will lower your tax bracket and the money is yours to use. You also earn 40% in most cases after 10k!!!
Never buy a car brand new! I’ve watched Escalades go from 100k (new) to 35k four years later.
Get you an LLC (incorporate your name!!) and run it as an S Corp. Remember Jay-Z quote “I’m not a Businessman I’m a Business Maaaaaaaan....” let that sink in.
Build business credit! The loans are bigger and the interest rate is lower.
Get a business bank account (in most cases this costs around $500 to start). Some people got two stimulus checks (one from Trump and one from the SBA). Also no fees.
Go to Community College first and transfer into a four year college (unless you have scholarships to mitigate the costs) as a Junior. School is a power move you must be able to secure the bag. Majors in STEM will always be needed, are in high demand and the skills can directly help the black community.
Get with your peers from your graduating class and others together at homecoming on one day for two hours to plot and strategize how we can move our communities forward (commerce, politics, education, etc...)
If you want to support Black People, support Black Business and Black Institutions of higher Education.
Get life insurance for you and your children (term) as soon as they are born (one thing is for sure is we will die...might as well leave your kids something extra!). The sooner you get it, the cheaper it is.
Get the people in your immediate family to save collectively! If 10 people save $500/month, that’s 60k every year. You could buy 3 starter homes every year and in 4 years all ten of you are home owners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!).
I need 10 people to copy and repost this on their pages and groups.

UHM has been recognized as a Top Workplace for the SIXTH year in a row!

https://nam05.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.businesswire.com%2Fnews%2Fhome%2F20200629005580%2Fen%2FUnion-Home-Mortgage-Rises-Place-Top-Workplace&data=02%7C01%7Ckcassidy%40unionhomemortgage.com%7C9ff7a5b9b1064a58477608d821b5b72c%7C152aa3c2ede644a7b407977fd5dd3df4%7C0%7C0%7C637296412001824149&sdata=RceVvifFpuzhBTwIVDZwbNJtQ3s7vWHdB0ULgyoQD3w%3D&reserved=0

Union Home Mortgage Rises to Second Place in Top Workplace Awards Fueled by Growth and Culture Union Home Mortgage (UHM) announced today that the company took second place in the large business category for the Top Workplaces of 2020 list presen

Have you been waiting and wondering when the right time is?

Should you refinance your mortgage? There are many benefits to refinancing depending on your current financial situation.

Flint Theobald NMLS 1843033 updated their business hours.

Today we remember thoes heros that served and those that still are serving. Thank you for all of your sacrifices and everything you give so that we live with freedom.

This is huge news!

A little midweek review to raise our spirits!

Thank you for the review! Help us continue to make raving fans!

SoMe great tips right here!

6 Tips for Staying Safe at Home and Out in Public During this shelter-in-place period, most of us are staying indoors more than ever before. While staying indoors is necessary to keep ourselves, our families, and others safe, what do you do when you need to run an errand, get groceries, or step outside for some fresh air?

How COVID-19 is Changing Home Appraisals and Closing Appointments When it comes to the home buying or home refinancing process, mortgage companies have been seeking efficiency more than ever and in unprecedented ways. Traditional “musts” have been modified to achieve the primary goal of protecting the health and safety of those who have critical responsibiliti...