Diversified Capital Funding - VA Loans Resource, NMLS #1850

November is Military Family Appreciation Month! Let's take a moment to recognize the strength and devotion of our military families and continue to thank them year-round for their ongoing commitment to our nation.

| The tragedy in life doesn’t lie in not reaching your goal. The tragedy lies in having no goal to reach.
-Benjamin Mays

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Good news!
Confirming loan limits have been announced for 2023!
Most of the United States will see an increase to $726,200, with the
high-cost areas rising to as much as $1,089,300 (effective 11/29/2022).

To learn more about how this can positively impact you as a homebuyer or a homeowner. Contact us.

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Together. We bring people home.

Today is , and we just wanted to send out a quick update; as a division of American Pacific Mortgage Corporation, we are participating and halfway through the APM Giving Challenge.

We’ve created several ways for our APM team members to participate this year, from enrolling in our nonprofit to simply donating or participating with needs in our local communities.
For more information, contact us, or reach out to your favorite DIVCAP loan officer!

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Advantage - homebuyer! In the third quarter of 2022, 59% of prospective homebuyers had moved out of the planning phase into the fully engaged process. Those numbers are up from 46% in the first quarter and 49% in the second quarter of 2022.

The share of prospective buyers actively searching for a home rose in every region of the U.S. between the second and third quarters of 2022: Northeast (54% to 62%), Midwest (51% to 53%), South (39% to 51%), and West (57% to 68%).

Source: https://bit.ly/3NYHMwC

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According to Zillow, potential homebuyers might have the purchasing power back in their pockets as home values nationwide are returning to “normal” after two years of growth. Specifically, an increase in value for the typical U.S. home has been decelerating by the month. From a peak of 1.9% to 1.2% in May and 0.8% in June.

Source: Zillow.com
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There’s no denying the fact that mortgage interest rates have gone up. So how can you, the buyer, combat rising rates and still buy the home of your dreams? Allow us to introduce you to interest rate buydowns.

There are two types of buydowns - a permanent and a temporary buydown. A buydown is when “discount points” are paid to reduce the interest rate, either for the life of the loan or a certain period of the loan.

Discount points are considered a closing fee that can be paid by the , , or .

So how much can you buy down your interest rate, and what will it cost you? Let's connect and go over your options and comparisons together

Maximize your dollar to get
into your dream home.

Ask us about our loan solutions. Click the link in our bio to reach out to your favorite mortgage specialist.

| Designed to help maximize options for borrowers when balances exceed conforming loan and conforming high-balance loan limits or when they have less than 20% for a down payment.

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Freddie Mac has announced that it will increase opportunities for by considering on-time rent payments as part of the company’s loan purchase decisions.

“Millions of American adults lack a or have a limited . By factoring in a borrower’s responsible rent payment history into our automated underwriting system, we can help make home possible for more qualified renters, particularly in underserved communities,” said Michael DeVito, CEO of Freddie Mac.
Source: RISMedia.com

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Today's market chat. What's new in mortgage and housing?
There is good news for homeowners: The total U.S. home equity has increased almost 20% in the first quarter of 2022 to $27.8 trillion, a record high, according to the Federal Reserve (Source: https://bit.ly/3bIvdGk).

If you're interested in knowing the current value of your home, let's connect - click the link in our bio to contact your favorite DIVCAP loan officer. We'll also determine if your mortgage is helping you maximize your wealth.


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Is now a good time to buy?

Buying a home is one of the most treasured of American dreams. There are a lot of benefits, including equity, flexibility, investment, tax savings & the ability to do whatever you’d like with your space. If your passion is to decorate your entire space in purple – you can!

Consider these questions very seriously. Home ownership isn’t for everyone. It’s a personal decision and shouldn’t be taken lightly. But if you’ve taken an honest look at your job, income, savings and emergency funds and decide that buying a home IS right for you, it’s time to consider your options.

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Market Chat. Hot topics to take to the water cooler discussion.

Whether you're looking to utilize some of your equity to invest in a vacation home, work remotely, or buy that dream home you've always wanted, check out Realtor.com's list - Top 10 Most Affordable Beach Towns.

, NJ
, FL
, CT
, NY
, SC
, CA
, TX
, MA
, NC
, RI

Did you know? Outside of New York, DIVCAP/APM is licensed to assist you with your mortgage in each state.

So many options in 2022. Ready to make this dream real? Let's connect.

Source: https://bit.ly/3A1to1H
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Let us help you capture your dreams.

Should you consider an adjustable rate mortgage?
With rates and home prices climbing an ARM might be the perfect solution.

Whether you're purchasing or thought you may have missed the refinance window let's connect, click the link in our bio. We'll look at your options to determine if an ARM option is a solution for your needs.

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Together. We bring people home.