Chad Bergman NMLS# 219251 - Branch Manager at Movement Mortgage

I wanted to share a unique guideline from Fannie Mae allowing for an "Equity Buyout" which can be very helpful in the right situation...

The odds of a September 18th Fed cut of .25% is over 90% !! This may not move the needle much on rates, but will definitely change the sediment and push more buyers and sellers into the market. Its also the start of the rate cutting cycle after inflation comes back in line. If you are looking to move in the next 12 months, lets talk and create a strategy which will financially benefit your family!

From Powell's speech at Economic Club of Washington DC -- We know that the fed is not going to wait for inflation to get to 2% before cutting rates, but rather they are going to cut when they are confident that inflation is headed to their 2% goal....and Powell said yesterday that the last three inflation readings have given him more confidence.

Are you curious about a Reverse Mortgage for yourself or parent? Join me today @ 11:00 for this informative live discussion about the benefits of a reverse mortgage especially for a purchase or refinance while navigating today's inflation and higher costs for seniors.

Welcome! You are invited to join a webinar: Retirement Mastery for Homeowners. After registering, you will receive a confirmation email about joining the webinar. Welcome! You are invited to join a webinar: Retirement Mastery for Homeowners. After registering, you will receive a confirmation email about joining the webinar.

5.0 star review received on Experience.com for Chad Bergman by George P - Chad went beyond any lender we’ve ever hired. His knowledge and advice were key regarding our decision to work with Movement Mortgage. Chris and I will be referring Chad Bergman when ever possible.

New ★★★★★ 5 Star Experience.com Review by George P Click to see all 72 reviews of Chad Bergman, Branch Manager

5.0 star review received on Experience.com for Chad Bergman by Christine P - There are a lot of lenders out there, but there’s only one Chad Bergman. What a wonderful experience. Thank you so much Chad for making our dreams come true. Can’t wait to refer you at any chance we got. All the best.

New ★★★★★ 5 Star Experience.com Review by Christine P Click to see all 71 reviews of Chad Bergman, Branch Manager

I was able to help with another Extreme Community Makeover last week along with my Movement Mortgage team!

Chad Bergman

5.0 star review received on Experience.com for Chad Bergman by Dominic S - The communication and helpfulness was amazing! We never were left wondering how something was done or how a number came to be.

New ★★★★★ 5 Star Experience.com Review by Dominic S Click to see all 55 reviews of Chad Bergman, Branch Manager

How strong will housing demand be over the next decade? With this chart from The Economist, we get some clues.

Consider:
👉Millennials' median income will keep growing ahead of inflation for another 15-20 years. That means more money to spend on everything including new homes and remodeling.
👉Gen Z will be the highest-earning generation in US history (and the largest by population size). The youngest Gen Z will reach their peak earning age around ~2054.
👉We've pointed out the impact of Baby Boomers helping their adult kids buy and rent homes. We can also definitively say that the median Millennial and Gen Z earn more than their parents at a similar age (even after adjusting for inflation).
(Eric Finnigan- JBREC)

Opendoor has agreed to pay $62 million to settle the FTC’s charges that the company’s claims were deceptive.

The FTC says Opendoor’s offers were lower than a home’s market value, and the company asked sellers to pay for home repair costs that were higher than what people would typically spend on repairs in a market sale. As a result, most people who sold their homes to Opendoor typically lost thousands of dollars compared to what they would have made if they’d sold their homes on the open market.

Opendoor Refunds FTC sends refunds to people who lost money selling their home to an online real estate business

What you do think of the Fannie Mae home price Expectations through 2028?

https://www.fanniemae.com/research-and-insights

Are you curious about Reverse Mortgages and how they work? 🤔🤔 Join me on this informative call with our National Reverse Mortgage Director Harlan Accola.

RSVP here: https://us06web.zoom.us/webinar/register/WN_z_3FMoZ4TM-RVnzrPNQ3uA #/registration

No refi lender fees?? Count us in!!
With the Movement Purchase Advantage, qualified borrowers can buy now with confidence that you’ll be able to refinance with no lender fees*. 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝟏𝟐/𝟑𝟏/𝟐𝟒 𝐚𝐧𝐝 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐰𝐢𝐭𝐡 𝐌𝐨𝐯𝐞𝐦𝐞𝐧𝐭 𝐛𝐞𝐟𝐨𝐫𝐞 𝟎𝟖/𝟑𝟏/𝟐𝟎𝟐𝟓 𝐭𝐨 𝐪𝐮𝐚𝐥𝐢𝐟𝐲!

*𝐶𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠 𝑎𝑛𝑑 𝑟𝑒𝑠𝑡𝑟𝑖𝑐𝑡𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝑀𝑢𝑠𝑡 𝑏𝑒 𝑎 𝑐𝑜𝑛𝑣𝑒𝑛𝑡𝑖𝑜𝑛𝑎𝑙 𝑜𝑟 𝑔𝑜𝑣𝑒𝑟𝑛𝑚𝑒𝑛𝑡-𝑏𝑎𝑐𝑘𝑒𝑑 𝑙𝑜𝑎𝑛 (𝐹𝐻𝐴, 𝑉𝐴 𝑜𝑟 𝑈𝑆𝐷𝐴). 𝐿𝑒𝑛𝑑𝑒𝑟 𝑓𝑒𝑒𝑠 𝑑𝑜 𝑛𝑜𝑡 𝑖𝑛𝑐𝑙𝑢𝑑𝑒 𝑓𝑒𝑒𝑠 𝑎𝑠𝑠𝑜𝑐𝑖𝑎𝑡𝑒𝑑 𝑤𝑖𝑡ℎ 𝑙𝑜𝑐𝑘 𝑜𝑟 𝑝𝑟𝑖𝑐𝑖𝑛𝑔, 𝑖𝑛𝑐𝑙𝑢𝑑𝑖𝑛𝑔 𝑏𝑢𝑡 𝑛𝑜𝑡 𝑙𝑖𝑚𝑖𝑡𝑒𝑑 𝑡𝑜, 𝑑𝑖𝑠𝑐𝑜𝑢𝑛𝑡 𝑝𝑜𝑖𝑛𝑡𝑠 𝑜𝑟 𝑒𝑥𝑡𝑒𝑛𝑠𝑖𝑜𝑛 𝑓𝑒𝑒𝑠 𝑜𝑟 𝑓𝑒𝑒𝑠 𝑝𝑎𝑠𝑠𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑡𝑜 𝑡ℎ𝑖𝑟𝑑-𝑝𝑎𝑟𝑡𝑖𝑒𝑠. 𝐴𝑙𝑙 𝑜𝑡ℎ𝑒𝑟 𝑓𝑒𝑒𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐿𝑒𝑛𝑑𝑒𝑟 𝑓𝑒𝑒𝑠 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑜𝑓𝑓𝑠𝑒𝑡 𝑏𝑦 𝑎 𝑙𝑢𝑚𝑝 𝑠𝑢𝑚 𝐿𝑒𝑛𝑑𝑒𝑟 𝐶𝑟𝑒𝑑𝑖𝑡 𝑎𝑡 𝑡𝑖𝑚𝑒 𝑜𝑓 𝑐𝑙𝑜𝑠𝑖𝑛𝑔 𝑎𝑛𝑑 𝑠ℎ𝑜𝑤𝑛 𝑜𝑛 𝑦𝑜𝑢𝑟 𝐶𝑙𝑜𝑠𝑖𝑛𝑔 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒. 𝑇𝑒𝑥𝑎𝑠 𝐿𝑒𝑛𝑑𝑒𝑟 𝐷𝑜𝑐 𝑅𝑒𝑣𝑖𝑒𝑤 𝑃𝑟𝑒𝑝 𝐹𝑒𝑒 𝑖𝑠 𝑛𝑜𝑡 𝑤𝑎𝑖𝑣𝑒𝑑. 𝐴𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡 𝑚𝑢𝑠𝑡 ℎ𝑎𝑣𝑒 𝑚𝑎𝑑𝑒 6 𝑓𝑢𝑙𝑙 𝑚𝑜𝑛𝑡ℎ𝑙𝑦 𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑡ℎ𝑒 𝑝𝑢𝑟𝑐ℎ𝑎𝑠𝑒 𝑙𝑜𝑎𝑛 𝑏𝑒𝑓𝑜𝑟𝑒 𝑡ℎ𝑒 𝑟𝑒𝑓𝑖𝑛𝑎𝑛𝑐𝑒 𝑐𝑙𝑜𝑠𝑒𝑠 𝑡𝑜 𝑞𝑢𝑎𝑙𝑖𝑓𝑦. 𝑅𝑒𝑓𝑖𝑛𝑎𝑛𝑐𝑒 𝑚𝑢𝑠𝑡 𝑚𝑒𝑒𝑡 𝑎𝑔𝑒𝑛𝑐𝑦 𝑎𝑛𝑑 𝑖𝑛𝑣𝑒𝑠𝑡𝑜𝑟 𝑔𝑢𝑖𝑑𝑒𝑙𝑖𝑛𝑒𝑠. 𝑆𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑐𝑟𝑒𝑑𝑖𝑡 𝑎𝑝𝑝𝑟𝑜𝑣𝑎𝑙. 𝐶𝑎𝑛𝑛𝑜𝑡 𝑏𝑒 𝑐𝑜𝑚𝑏𝑖𝑛𝑒𝑑 𝑤𝑖𝑡ℎ 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑜𝑓𝑓𝑒𝑟. 𝐿𝑖𝑚𝑖𝑡𝑒𝑑 𝑡𝑜 𝑡ℎ𝑒 𝑠𝑡𝑎𝑡𝑒𝑠 𝑀𝑜𝑣𝑒𝑚𝑒𝑛𝑡 𝑀𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑖𝑠 𝑒𝑙𝑖𝑔𝑖𝑏𝑙𝑒 𝑡𝑜 𝑐𝑜𝑛𝑑𝑢𝑐𝑡 𝑏𝑢𝑠𝑖𝑛𝑒𝑠𝑠 𝑇𝑜 𝑏𝑒 𝑒𝑙𝑖𝑔𝑖𝑏𝑙𝑒 𝑡𝑜 𝑞𝑢𝑎𝑙𝑖𝑓𝑦, 𝑡ℎ𝑒 𝑏𝑜𝑟𝑟𝑜𝑤𝑒𝑟 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑟𝑒𝑞𝑢𝑖𝑟𝑒𝑑 𝑡𝑜 𝑝𝑟𝑜𝑣𝑖𝑑𝑒 𝑎 𝑐𝑜𝑚𝑝𝑙𝑒𝑡𝑒 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑡𝑖𝑜𝑛, 𝑠𝑢𝑏𝑚𝑖𝑡 𝑟𝑒𝑞𝑢𝑒𝑠𝑡𝑒𝑑 𝑑𝑜𝑐𝑢𝑚𝑒𝑛𝑡𝑎𝑡𝑖𝑜𝑛, 𝑎𝑛𝑑 ℎ𝑎𝑣𝑒 𝑡ℎ𝑒𝑖𝑟 𝑐𝑟𝑒𝑑𝑖𝑡 𝑝𝑢𝑙𝑙𝑒𝑑. 𝑇ℎ𝑒 𝑏𝑜𝑟𝑟𝑜𝑤𝑒𝑟 𝑚𝑢𝑠𝑡 𝑎𝑙𝑠𝑜 𝑠𝑝𝑒𝑐𝑖𝑓𝑖𝑐𝑎𝑙𝑙𝑦 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑡𝑜 𝑝𝑎𝑟𝑡𝑖𝑐𝑖𝑝𝑎𝑡𝑒 𝑖𝑛 𝑃𝑢𝑟𝑐ℎ𝑎𝑠𝑒 𝐴𝑑𝑣𝑎𝑛𝑡𝑎𝑔𝑒 𝑃𝑟𝑜𝑔𝑟𝑎𝑚 𝑎𝑛𝑑 𝑤𝑖𝑙𝑙 𝑛𝑜𝑡 𝑎𝑢𝑡𝑜𝑚𝑎𝑡𝑖𝑐𝑎𝑙𝑙𝑦 𝑏𝑒 𝑒𝑛𝑟𝑜𝑙𝑙𝑒𝑑 𝑖𝑛𝑡𝑜 𝑡ℎ𝑖𝑠 𝑝𝑟𝑜𝑔𝑟𝑎𝑚. 𝑂𝑓𝑓𝑒𝑟 𝑎𝑝𝑝𝑙𝑖𝑒𝑠 𝑡𝑜 𝑡ℎ𝑒 𝑖𝑛𝑖𝑡𝑖𝑎𝑙 𝑟𝑒𝑓𝑖𝑛𝑎𝑛𝑐𝑒 𝑜𝑓 𝑎 𝑝𝑢𝑟𝑐ℎ𝑎𝑠𝑒-𝑚𝑜𝑛𝑒𝑦 𝑙𝑜𝑎𝑛 𝑓𝑢𝑛𝑑𝑒𝑑 𝑏𝑦 𝑀𝑜𝑣𝑒𝑚𝑒𝑛𝑡 𝑀𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝐿𝐿𝐶 𝑏𝑒𝑡𝑤𝑒𝑒𝑛 12/1/2022 𝑎𝑛𝑑 12/31/2024 𝑡ℎ𝑎𝑡 𝑖𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑏𝑦 𝑡ℎ𝑒 𝑠𝑎𝑚𝑒 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦. 𝐸𝑥𝑐𝑙𝑢𝑑𝑒𝑠 𝑏𝑟𝑜𝑘𝑒𝑟, 𝑏𝑜𝑛𝑑, 𝐽𝑢𝑚𝑏𝑜, 𝑁𝑜𝑛-𝐴𝑔𝑒𝑛𝑐𝑦, 𝐻𝐸𝐶𝑀 𝑎𝑛𝑑 𝐻𝐸𝐿𝑂𝐶 𝑙𝑜𝑎𝑛𝑠. **𝐵𝑦 𝑟𝑒𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑛𝑔 𝑦𝑜𝑢𝑟 𝑒𝑥𝑖𝑠𝑡𝑖𝑛𝑔 𝑙𝑜𝑎𝑛, 𝑦𝑜𝑢𝑟 𝑡𝑜𝑡𝑎𝑙 𝑓𝑖𝑛𝑎𝑛𝑐𝑒 𝑐ℎ𝑎𝑟𝑔𝑒𝑠 𝑚𝑎𝑦 𝑏𝑒 ℎ𝑖𝑔ℎ𝑒𝑟 𝑜𝑣𝑒𝑟 𝑡ℎ𝑒 𝑙𝑖𝑓𝑒 𝑜𝑓 𝑡ℎ𝑒 𝑙𝑜𝑎𝑛. 𝑇𝑒𝑟𝑚𝑠 𝑎𝑛𝑑 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠 𝑎𝑟𝑒 𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑐ℎ𝑎𝑛𝑔𝑒 𝑤𝑖𝑡ℎ𝑜𝑢𝑡 𝑛𝑜𝑡𝑖𝑐𝑒.

No refi lender fees*?? Count us in!!

With the Movement Purchase Advantage, qualified borrowers can buy now with confidence that you’ll be able to refinance with no lender fees*. Purchase your home before 12/31/24 and refinance with Movement before 08/31/2025 to qualify!

If you think refinancing might be a smart move for you, contact a Movement loan officer today!

*Conditions and restrictions apply. Must be a conventional or government-backed loan (FHA, VA or USDA). Lender fees do not include fees associated with lock or pricing, including but not limited to, discount points or extension fees or fees passed through to third-parties. All other fees apply. Lender fees will be offset by a lump sum Lender Credit at time of closing and shown on your Closing Disclosure. Texas Lender Doc Review Prep Fee is not waived. Applicant must have made 6 full monthly payments on the purchase loan before the refinance closes to qualify. Refinance must meet agency and investor guidelines. Subject to credit approval. Cannot be combined with any other offer. Limited to the states Movement Mortgage is eligible to conduct business To be eligible to qualify, the borrower will be required to provide a complete application, submit requested documentation, and have their credit pulled. The borrower must also specifically request to participate in Purchase Advantage Program and will not automatically be enrolled into this program. Offer applies to the initial refinance of a purchase-money loan funded by Movement Mortgage LLC between 12/1/2022 and 12/31/2024 that is secured by the same property. Excludes broker, bond, Jumbo, Non-Agency, HECM and HELOC loans. **By refinancing your existing loan, your total finance charges may be higher over the life of the loan. Terms and conditions are subject to change without notice.

http://www.movement.com/Chad.Bergman

5.0 star review received on Experience.com for Chad Bergman by Cathi B - Chad worked with my client to make her completely comfortable with her purchase by knowing what her monthly payments were going to look like and giving her a good understanding of her lending options. He was always available when we had questions and gave sound advice regarding the rate lock and our closing date changing several times.

New ★★★★★ 5 Star Experience.com Review by Cathi B Click to see all 54 reviews of Chad Bergman, Branch Manager

The day REAL ESTATE stood still....

🎉 We're Sold Out!
March Madness: Real Estate Mastery is officially at full capacity. Huge thanks to everyone who registered!
🚀 This isn't just an event; it's the beginning of transforming your business and enriching your life.
Missed out? Stay tuned for event highlights and future opportunities.
👉 Secure your spot early next time!

We're almost 📢 SOLD OUT for our March Madness Real Estate Mastery Session.

Get ready to engage with an all-star roster of industry experts, each ready to pass you the strategies that will elevate your game in the Colorado real estate market.

⭐ Bill Hart
⭐ Ryan Hills
⭐ Jillian Petrasch
⭐ Grant Schneider
⭐ Jared Larkin
⭐ Lindsey Benton

This is your playbook for success, offering a chance to connect, learn, and strategize with the best in the field.

Date: March 5th, Tuesday

Location: 8822 S Ridgeline Blvd, Highlands Ranch, CO 80129

Time: 11 AM - 2 PM

Seats are going quick!
Secure yours TODAY and score big in this Colorado market.

https://lnkd.in/gZaWnPD8

Hope to see you there!

A message directly from Bill Hart/Executive Coach/Keynote speaker
https://lnkd.in/gqD-e-Vt

5.0 star review received on Experience.com for Chad Bergman by Karla K - Chad is the best in the industry! Patient,kind and knowledgeable! Never a concern when the deal is in Chad’s hands.

New ★★★★★ 5 Star Experience.com Review by Karla K Click to see all 53 reviews of Chad Bergman, Branch Manager

🔥🎙️ The final buzzer is approaching! In under 2 weeks, March Madness: Colorado Real Estate Mastery awaits – an essential event for every Colorado Real Estate Pro! 🏀🏡

Get ready to engage with an all-star roster of industry experts, each ready to pass you the strategies that will elevate your game in the Colorado real estate market.
⭐ Bill Hart
⭐ Ryan Hills
⭐ Jillian Petrasch
⭐ Grant Schneider
⭐ Jared Larkin
⭐ Lindsey Benton

This is your playbook for success, offering a chance to connect, learn, and strategize with the best in the field.
🗓️ Date: March 5th, Tuesday
📍 Location: 8822 S Ridgeline Blvd, Highlands Ranch, CO 80129
⏰ Time: 11 AM - 2 PM

Act fast! 🏃‍♂️💨 Seats are going quick!
Secure yours TODAY and score big in this Colorado market.

👇 Hit the registration link and save your seat.
https://www.eventbrite.com/e/march-madness-colorado-real-estate-mastery-event-tickets-824313713507

Share this post & tag a colleague who shouldn’t miss this, and let’s hit the ground running this March!

While some had expectations for mid-year rate cuts, the Fed’s stance indicates there may not be adjustments until later in the year. Get the details behind this and more in our latest market update.

https://movement.com/blog/2024/02/a-resilient-economy-rate-cut-expectations

Happy Valentine’s Day!

Whether you're planning a romantic date, spending time with your loved ones or scheduling some self-care, I wanted to share a Valentine’s card with you — no shoebox required. 💌

Just like you can prepare for running a marathon, you can prepare for your mortgage, too! ⁣
⁣
If you’re thinking of buying a home soon, but aren't sure your credit score is ready, you can actually start monitoring it now. By taking the time to do some research, start saving and prioritizing paying your bills on time, you can push yourself (and your credit score) closer to homeownership! 🥳 ⁣
⁣
Need advice on how to get yourself ready for a mortgage? Reach out to a Movement loan officer today for help! (You got this! ❤️)