Team Benson and Collins, HomeBridge

I've heard HORROR stories from people that have been misled, over-promised and cheated out of a positive home loan experience. Don't let this happen to you! Make sure you SHOP your lenders and get to know who you're working with. Experience, professionalism and work ethic all matter when it comes to getting you into your next home. Send me a message, I'd love to schedule a time to talk about your mortgage needs!

True or False?
All home loans require excellent credit scores.
FALSE! Just like how not all homes are the same, neither are mortgages. Don’t assume you don’t qualify. Instead let’s have a conversation about your situation and discuss some loan options that might be a good fit.

Wondering what will be verified during the mortgage process? Here are five things you can be prepared for:

1. Assets
2. Tax Returns
3. Credit History
4. Employment
5. Identity

Gather you documents and let’s get started on your application! DM me!

Do you know the difference between an and a ? An investment home is intended to bring in rental income, whereas a second home is meant to be a vacation home without rental income. Have more questions? DM me. I'm happy to help!

What's the best part about ? It's free! At least my mortgage advice is! You can contact me anytime to discuss loan options, the mortgage process or any other specific questions you may have about buying a home. I'm all ears!

One of the biggest hurdles when buying a home is coming up with a down payment. How in the world can a person save enough to afford to buy a home? I recommend starting with a monthly budget and identifying areas where you can eliminate unnecessary spending. Can you cut back on the Starbucks runs? Maybe you can consider getting a roommate or downsizing to a smaller apartment? If you're looking for ideas, I may be able to help! DM me and let's brainstorm together!

Shout out to the people in the world! It takes a LOT to run your own business. Getting a shouldn't add to your challenges. I have loan options for those that are self-employed that don't require W-2s to qualify. Want to know more? DM me, and I can send you all the details!

Make the most of your next home purchase with an affordable second mortgage from . This financing solution provides you with a selection of second loan options that can be combined with an FHA loan for a more affordable purchase loan. DM me today for more details.

I've got THREE solid reasons an might be a good fit for you.

1. Low down payment options of 3.5-5%
2. Higher gift allowance
3. Sellers can help with closing costs

Buying your next home may be closer than you think! Message me, let's chat!

If you’re like many Americans, you may have specific goals in mind you’d like to accomplish during this new year. If one of them includes buying your next home, but you’re concerned about rising rates, then we can offer several potential solutions. These are our top home financing strategies for 2023. Let’s talk and create a strategy customized just for you!

Paying for your new home can include more than just your "mortgage payment" What else is there? I'm so glad you asked!

Here are a few possible additional costs to consider:

- HOA fees
- Property Taxes
- Homeowners Insurance
- P.M.I.

If all of these sound like a foreign language to you, send me a DM and I’ll be happy to answer your questions!

Today we honor and commemorate the acts and bravery of Dr. Martin Luther King, Jr. 2023 marks the 60-year anniversary of his historic March on Washington. May his legend continue to inspire the good of humanity.

Did you know this? I had no idea the difference was so vast.

Want to talk about what this means and how you can also increase your net worth through ? DM me. I’d love to chat more!

NetWorth

I get asked about all the time. The ultimate myth is that 20% is required to buy a home. In fact, require as little as 3.5% down. Now THAT sounds doable! If you need some guidance on ways to come up with your down payment, message me, and we can brainstorm some options!

Can you name three ways (besides your bank account!) to come up with your down payment?
1. Gifts or loans from family and friends.
2. Government assistance.
3. Retirement accounts.

If coming up with a down payment is stopping you from buying a home, let’s chat! We may be able to think outside of the box to come up with a solution. DM me!

A home appraisal determines the market value of a home. It is based on the number of bedrooms, bathrooms, size, condition, location, and amenities of the property. Why is it important? The appraised value plays a role in determining how much money can be borrowed to purchase the property.

are known for their affordability. The two biggest benefits over other traditional loans are that there is usually no down payment requirement and there is no private mortgage insurance (PMI) requirement. VA home loans are among the few 0% down home loans available on the market today! Contact me to see if you may qualify!

On behalf of my entire team here at Homebridge, I’d like to wish you and yours a very happy new year!

Are you ready to buy a home? If you're not sure, let's schedule a time to take a look at your current situation together!

Your mission to will only go as smoothly as the team you have behind you! Work with an experienced that will walk you through every step. DM me to schedule a time to chat!

Dreaming of a ? Stop dreaming, and let's make it happen! loans are available for homeowners needing to make a few improvements to their residence. Wondering if you qualify? DM me, and I'll help get you started!