A Better Rate with Nate

REMINDER TO ALL VETERANS WITH AN NTEREST RATE OVER 6.5% ON THEIR VA LOAN, REACH OUT BEFORE SEPTEMBER 3RD TO LEARN ABOUT AN INTEREST RATE REDUCTION REFINANCE LOAN!
JUST HAD ANOTHER VETERAN CLOSE TODAY DROPPING HIM FROM 7% TO 5.699% SAVING HIM $250/MONTH IN INTEREST!

After serving 6 years in the Navy Reserves, Gary Bourgeois somehow convinced me to join the Texas Army National Guard Recruiting, recruited me to be a Recruiter with him, recruited me to become a Mortgage Loan officer, and FINALLY I recruited him to become a Mortgage Broker on our own team!

We continue to use what we learned in Army Recruiting: Prospect, Build Relationships, and Educate.

We are 100% referral based and are thankful for the many referrals our family, friends, and network have shared with us. We will continue to travel to our National Guard units to ensure our Veterans/Service Members are getting the best out of their VA Loans. We will continue to be your Mortgage Advisors & Broker - to shop 150+ Lenders to ensure you're getting the best loan option.

Knowing how much you should buy to stay within your budget is important prior to searching for a home with your realtor. I'm here as your Mortgage Advisor and Loan Officer. I'm also here as your Broker to shop 120+ Wholesale Lenders to ensure you're getting the best loan option and rate.

Did you know that being pre-approved can make sellers more willing to negotiate? - Barrett Financial Group, L.L.C. Want to stand out in a competitive market? Get pre-approved! It's quick, easy, and could make all the difference

If you have a VA or FHA loan with an interest rate over 6.75% that was closed before January 5, 2024, RIGHT NOW is the perfect time to explore refinancing options! I'm helping homeowners with rate/term refinancing with minimal documentation. No appraisal, income, employment, or asset information needed! All that's required is a soft credit check on your mortgage payments to ensure they're on time. Send me your most recent mortgage statement, and I'll see if I can help you save money by lowering your monthly mortgage payment.

https://handy-reindeer-ywy4.lhp3.lhpdomains.com/loan-officer/nate-valdez/blog/your-step-by-step-guide-to-first-homeownership-success

Your Step-by-Step Guide to First Homeownership Success - Barrett Financial Group, L.L.C. "Get expert tips for first-time homebuyers. Navigate the mortgage process with ease and achieve homeownership success."

I AM REBRANDING MYSELF! I'm so excited to continue taking care of my future/current homeowners by assisting them with their Mortgage needs and continuing to shop NOW 100+ Wholesales lenders for the best rate, lowest fees, and excellent service! Many of you know I started off in Retail Lending where I learned the basics, however I couldn't tell you that next door you could get a better rate and lower fees as I had to try to keep you with the Lender that I was at. So, I took a leap of faith into Wholesale Broker world and it has been AMAZING to work for my buyers and serving them by shopping lenders for the best rate for them! I'm still a Loan Officer, Advisor, and Broker, so be sure to reach out with any and all Mortgage questions you have! :)

To all my loan officers out there wanting to work for your clients and ensuring they're getting the best rate, please feel free to reach out :)

Nathan Valdez
Mortgage Advisor | Loan Originator | Broker
NMLS 2251650

Rocio Nguyen Contreras is looking for a buyer in Lancaster, TX! If you're a first-time home buyer, reach out to see about first time home buyer grants :D

Launching a NEW CAMPAIGN! A Better Rate with Nate! If you're currently looking for a home or wanting to compare your current offer with a Lender, PLEASE reach out and see if you qualify for a better rate! Just had a buyer switch and save from a 7.25% to a 6.75% with no buydown points.

We have another VA Home Loan Clear to Close! Service member reached out to compare a Retail Lender's offer of 6.5% needing $5k cash to close and was able to give him a 5.875% with the same cash to close figures. This saved the service member $114 a month! Thank you Facebook family for sharing my services to others. Being able to shop Wholesale Lenders for the best rate is definitely a win for future homeowners!

VA Home Loan Scenario below closing 4/26

Nathan Valdez
Freedom Mortgage Advisors powered by
All American Home Mortgage LLC NMLS #274320

If you currently reside in Garland, Texas and are a first time home-buyer, good chance you're eligible for a $5,000 grant towards buying a home!

Currently helping a few people get their pre-approval and wanted to share with everyone else.

Grant is based off your current residence.
DM me your address and see if you're eligible.

Nathan Valdez
Senior Mortgage Advisor & Broker
VA Home Loan Expert
214-704-9369
Licensed in TX & CO
NMLS 2261650

You make countless sacrifices for your country. Let us provide you with purchase and refi loan options that do away with money down, mortgage insurance, appraisals and more. Contact us today so we can start serving you.

Happy Closing Day for the Dottenwhy Family! SFC Dottenwhy is an Army Recruiter I met back in Colorado and to give him a warm welcome to Texas, we had to gift him with a Stetson Cowboy Hat. Thank you for your service brother and thank you for letting us serve you on your VA Home Loan!

🚨Friends and Family PLEASE SHARE 🚨

Met a lady today at lunch who shared she just bought a house in August at a 7.25% interest rate and went thru a retail lender. I shared with her that is ridiculous as I had buyers closing with 6.25% or lower at that time. Happy to announce she filled out a refinance application today so we could refi her to a lower rate which is saving her $252 a month!

As a Mortgage Broker, I work for the buyer & homeowners as their advisor, loan officer, and their broker who shops 45+ wholesale lenders to ensure they’re getting the best loan option. I love being a Broker as it has allowed me to work for the client instead of making the client go look for a lender one by one. I’m also compensated by the lender which means you don’t pay me a commission! If you fit into any of the following statements, please reach out!

1. If you are someone who closed with a 7% or higher, reach out.

2. If you are currently buying a house and going thru a retail lender, reach out.

3. If you are wanting to buy anytime in the future and want to know what you need, how much buying power you have, etc. reach out.

4. If you are a loan officer at a retail lender, reach out so I can show you how you can give your clients better pricing.

5. If you’re a loan officer who wants to give more loan products to your clients, reach out.

6. If you’re a loan officer who wants to put your clients needs first, reach out.

7. If you’re a veteran and want a veteran to take care of your VA Home loan, reach out.

Nathan Valdez
Senior Mortgage Advisor & Broker
VA Home Loan Expert
NMLS 2251650

Freedom Mortgage Advisors
Powered by All American Home Mortgage
NMLS 274320

Congrats Albert Maria Carrasco on your clear to close! Thank you for allowing us to take care of your refinance 😇 crazy to think it only took 4 days to get an appraisal done, conditions cleared, and clear to close!

Looking to renovate, but don't want to lose your current rate by refinancing? With a Home Equity Line of Credit (HELOC), you can tap into your equity and use it to fund your new home project. Call me to get started!

Congratulations Cherie & Jesus on successfully securing your VA Home Loan Purchase! With $21k in Seller Concessions, a rate lowered to 5.749%, full coverage of closing costs, and the return of your Earnest Money Deposit at closing, your home buying journey has been exceptionally smooth. We truly appreciate the opportunity to assist veterans like you in utilizing their VA home loan without any out-of-pocket expenses. Thank you both for your service and thank you for entrusting us to support you in this important milestone!

Congrats on your new home! Here are a few important things to take care of before moving day: 1) Change the locks, 2) Update your address, 3) De-clutter and clean, and 4) Set up utilities

Purchasing a home is personal, and your mortgage should be, too. Retail lenders are limited in what they can offer, but with me, you have the ability to personalize the homebuying process to your needs. Call me today to get started!

Ready to place an offer on your dream home? With an initial approval, you can feel confident making a strong offer. Give me a call today and get your initial loan approval in as little as 15 minutes!

Thankful for Ricky Vasquez asking me to give his client an additional option to their original lender.

Buyer bought 2 investment properties Texas. The crazy thing is he was a first-time investor, and his lender was requiring him to put down 30%!

Well as a mortgage broker I was able to find a wholesale lender that was okay with him putting 20% down which saved him $30k in down payment!

Happy that we got the clear to close in 14 days and kept money in his pocket!

How does saving $9,407* on your next home loan sound? That's the average that borrowers save when they go through an independent mortgage broker, rather than a big bank. Call me and I'll tell you more!

Mortgage Tip:
If you’re going to buy this year, buy now. Waiting for rates to drop lower means you’ll be in a bidding war with other competition. Marry the house, date the rate