Todd Gosden Team - Keller Home Loans

Love is the universal language that speaks straight to the heart. 💖 Whether you're celebrating with a special someone, friends, family, or embracing self-love, may your day be filled with joy, laughter, and lots of love! Happy Valentine's Day! ❤️🌹



https://kwlends.com/loan-officer/todd-gosden

Embark on a journey towards success with a partner who is committed to your goals. Your success is our mission: partner with us for a winning collaboration! 🚀🤝

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Welcoming the Year of the Wood Dragon with joy, prosperity, and good fortune! 🐉🎋 May this lunar new year bring abundant blessings and exciting new beginnings. Wishing you a year filled with growth, strength, and endless possibilities! 🌟🧧



https://kwlends.com/loan-officer/todd-gosden

Real estate agents, empower your clients to elevate their investment game! 🏡 The Wealth Builder Loan from is designed for self-employed individuals. With up to $2 million in loans, 80% LTV, and a focus on property cash flow, we're here to make investment dreams a reality. 💰

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Elevate your home loan game with My Agent Station! 🚀 A tool designed for agents to help boost productivity, track deals, and deepen relationships—all in one powerful hub. 📣 Reminder: If you haven’t connected with me in My Agent Station yet, please be sure to reach out to me at +1 630-742-4160 or [email protected] to connect!

When your weather update comes from a furry meteorologist. Phil, we're counting on you! 🤣🐾



https://kwlends.com/loan-officer/todd-gosden

If your buyers are anticipating a large influx of cash, such as an inheritance or a gift, be sure they inform their lender before underwriting, or ask them to wait until after closing. 💡



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Ditch the hassle of tax returns and pay stubs! Our bank statement loans open the door for self-employed individuals to secure a mortgage with ease. 🏡💼

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We're dedicated to elevating your mortgage experience! 🚀🏡 Discover a smoother path to homeownership.

+1 630-742-4160
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While it might be tempting for buyers to get a head start on appliance shopping, it’s much better if they wait until after closing and get settled into their new home first. Any changes to credit usage or new inquiries could delay approval. 💡



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Real estate pros, elevate your clients' homebuying experience with the ONE+ mortgage program from ! 🏡✨ Offering a groundbreaking 1% down payment option with reduced private mortgage insurance. Make homeownership dreams a reality for your clients today! 🙌

Contact me today to learn more.
+1 630-742-4160
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Unlock the doors to your real estate investment dreams with the Wealth Builder Loan from ! 🏡💰 No personal income required, just let the property's income shine. Get started with as low as 20% down.

+1 630-742-4160
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What are mortgage points and why are they important to your home loan process? Call me today at +1 630-742-4160 to find out!

Remembering the visionary Martin Luther King, Jr. on this 🌟 His legacy of justice, equality, and love continues to inspire us all. Let's honor his dream by fostering unity and making a positive impact in our communities.



https://kwlends.com/loan-officer/todd-gosden

While many prospective homebuyers have the intention of living in their home long-term, most first-time homebuyers understand that their first purchase might not be where they want to live forever. 🏡



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Unlock a hassle-free path to homeownership for your self-employed clients with our bank statement loan program! 🏡💼 No tax returns or pay stubs required, just smooth sailing toward their dream home. 🙌

+1 630-742-4160
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Hey there, real estate professionals! 🤝 Your journey in this industry is much more than dollars and cents. While your expertise and years of experience undoubtedly give your clients a competitive edge, there's something equally precious that you bring to the table: the art of saving!

🔍 Expertise at Your Fingertips: Your clients are privy to a wealth of industry knowledge, insights, and strategies that only years in the field can provide. Your guidance ensures that they make informed decisions at every turn.

💼 The Thrill of Savings: But let's not forget the icing on the cake – saving money! By helping your buyers trim expenses here and there, you're not just securing their financial interests; you're also keeping smiles on their faces. Happy clients are the best clients! 😄

🗣️ Word of Mouth Magic: The magic of word-of-mouth recommendations can't be overstated. When clients sing your praises, they become your most potent marketing tool. Their trust and satisfaction are bound to bring new clients to your doorstep.

🏡 Your Legacy: In this business, it's not just about sealing deals; it's about building lasting relationships and leaving a legacy of satisfied clients who will turn to you for all their real estate needs.

👏 Spread the Joy: Share this post to highlight the full spectrum of value you bring to your clients. It's not just about saving money; it's about making their real estate dreams come true while singing your praises along the way! 🎉📢

+1 630-742-4160
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Elevate your real estate game with our unparalleled expertise and personalized approach. Your competitive edge in real estate starts with us! 🏡✨

+1 630-742-4160
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Any large purchase or new line of credit will impact debt-to-income ratio (DTI) and may put loan approval at risk. ⚠ During the underwriting process, the lender will likely run your buyer's credit to ensure they're still able to responsibly manage a mortgage payment. 💰 A large purchase may look like credit irresponsibly and could jeopardize the home loan approval. 💡



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🎉✨ As the clock strikes midnight, may your heart be filled with hope, joy, and endless possibilities. Here's to a brand-new year full of dreams waiting to be realized. Happy New Year! 🥂🌟



https://kwlends.com/loan-officer/todd-gosden

While credit score is an important factor in the approval process, qualification depends on various factors such as loan type, lender, and the amount financed. 💰 The credit rating required can vary based on these considerations. If your buyer is interested in purchasing a new home, but has less than perfect credit, we're happy to help them explore financing options. 🙌



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🕯️🌽 Embracing the rich traditions and values of Kwanzaa, we come together to celebrate unity, creativity, and purpose. Happy Kwanzaa to all who observe this beautiful holiday! May your days be filled with reflection and togetherness. 🕯️🌟



https://kwlends.com/loan-officer/todd-gosden

🎄✨ 'Tis the season to spread love, laughter, and cheer! Whether you're celebrating with family, friends, or just some cozy me-time, may your day be filled with happiness and warmth. Merry Christmas! 🎁🌟



https://kwlends.com/loan-officer/todd-gosden

❄️ Embrace the stillness of the season as we welcome the Winter Solstice, a day of quiet reflection and the promise of longer days to come. 🌬️✨ Let the light shine from within, even in the darkest of times.



https://kwlends.com/loan-officer/todd-gosden

Unlock the secrets of mortgage points and save big on your home loan! 💰🔑 Discover how these valuable tools can help lower your interest rate. Get ready to become a mortgage points expert!

Call me today at +1 630-742-4160 to answer your mortgage points questions!

🌟 Wishing you all the joy, love, and laughter this holiday season! 🎄 However you choose to celebrate, may it be filled with warmth and togetherness. Happy Holidays, everyone! 🎁❤️



https://kwlends.com/loan-officer/todd-gosden

If your buyer is in the process of buying a home, request that they wait for closing before accepting a job offer and putting in their two weeks. 💼 When a home loan is in the underwriting phase, the lender verifies employment, income and confirms debt to income ratio (DTI). If the underwriter calls their employer and employment confirmation is not received, this will be a red flag and could cause the home loan to fall through. 💡



+1 630-742-4160
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