A Plus Mortgage Solutions

JUST LISTED! 350 Weatherstone Drive, New Cumberland, PA 17070

Located in the highly sought after community of Weatherstone, this home has been meticulously maintained and is move-in ready!

Open Sunday, August 18th from 1:00-3:00pm or call us to schedule your own private tour!

🌏--> https://www.jenniferhollistergroup.com/listing-detail/1149284326
📱--> 717-727-0375 or 717-695-3177

Don’t forget, we offer free rate quotes, pre-approvals, and 2nd opinions on financing options for anyone who needs it! We are available over the weekends and in the evenings to ensure we are able to assist you when you need it.

COMING SOON! 1620 Airport Drive, Mechanicsburg, PA 17050

This Hampden township gem offers dual owners suites and is tucked away on a sprawling 1/2 acre homesite.

Call today to schedule your own private tour!

🌏-->https://www.jenniferhollistergroup.com/listing-detail/1149295912
📱--> 717-727-0375 or 717-695-3177

Rates look stable as of the end of this week. If you have buyers that are being quoted in the high 6% or 7%, have them reach out for a free rate quote and second opinion. We want to buyers save money!

Ready to buy your first home? Here are three key areas to focus on to get prepared:

1. Check Your Credit History: A good credit score can open doors to better mortgage rates. Review your credit report, fix any errors, and work on improving your score if needed.
2. Assess Your Assets: Know what you have in savings and investments. This will help you determine your budget and how much you can put down as a down payment.
3. Verify Your Employment: Lenders want to see stable employment. Ensure you have a reliable job history and be ready to show proof of income.

Get these areas in check, and you'll be one step closer to owning your dream home!

Take a look at another 5-star review from a happy customer. Call us today to discover the a plus difference for yourself!

Want to know a free credit score tip? Keep your credit utilization low. Credit utilization is the ratio of your credit card balances to your credit limits. Keeping it low (30% or less) is key to a healthy credit score! You can monitor your credit and stay on top of it for a stronger score!

Rates are still down, so give us a call for a free pre-approval or rate quote. We even offer second opinions on cost sheets. Give us a call to save $$!

One thing to keep in mind when mortgage shopping is not just the numbers a lender can offer you, but also their level of service. A lot of banks and larger lending institutions will have different representatives handle different parts of the loan process. If you need help throughout the process it could be confusing to know who to contact for information. With us at A Plus Mortgage Solutions, you will work with either Jeremy or Angie from pre-approval to closing. They personally handle your file throughout the entire process to ensure that the process goes smoothly, but also to be available if you have any questions or concerns. We offer personalized service to each and every customer and treat them like royalty! Call us today to discover the A Plus Difference for yourself.

Check out another 5-star review from a happy customer. Call us today to discover the A Plus Difference for yourself!

Are you rate shopping this weekend or need a pre-approval for a showing this afternoon? Give us a call! We offer competitive rates and answer the phone on the weekends to provide you with the best service in the industry. Call us today!

Check out today’s rate sheet!! We are seeing a LOT of programs offering rates UNDER 6%!!!! Call us today to take advantage and save you money on your new home purchase!

Are you self employed and wondering if you would qualify for mortgage financing? Well, the answer is maybe! If you have been self-employed for at least 2 years, we can use your most recent 2 full years of tax returns (both personal and business if applicable) to see if you qualify for mortgage financing. This includes anyone who is paid by a 1099 as well. If you’ve been self-employed for 5 or more years then we may only need to use your most recent tax return(s) for income qualifying.

There are also alternative options like Bank Statement loans where the lender reviews 12 months of business bank statements to calculate qualifying income, or 1099-only loans where the lender uses your 1099's to calculate your qualifying income.

If you’re curious about whether you qualify for mortgage financing give us a call! We offer free pre-approvals and would be happy to take a look at your circumstances and see if you qualify.

Check out another amazing review from a happy customer. We have over 160 positive reviews on Google and more than 500 on Zillow. If you’re ready to start the home buying process give us a call!

🥇🥇Go for the GOLD! This home is a hidden treasure in the heart of the Camp Hill Borough! Quick walk to the pool, tennis courts, volleyball, track, baseball, trails and the creek! Come take a look and take home the GOLD!🥇🥇

Are you pre-approved, looking to be pre-approved, or already under contract to purchase a home? Then here are some Do’s and Don’ts you should take into consideration.
1. DON’T make any large purchases or open ANY new credit. This could add to much debt to your debt-ratio and prevent you from obtaining mortgage financing, or delay financing because you will need to track down exra documentation.
2. DO shop around for your best rate and mortgage terms. You want to make sure you are working with the best company that offers you the best rate and terms. 0.25% lower interest rate can save a lot of money in the long run. We provide free rate quotes to ensure you are being offered the best possible rates.
3. DON’T quit or change jobs, ESPECIALLY if you are under contract. If something happens to your employment status make sure to call your Loan Officer immediately and discuss how to move forward.
4. DO keep making ON TIME payments for all your monthly debts. This ensures your credit score doesn’t drop before you get to closing. A lower credit score could prevent you from qualifying or increase your interest rate quote.
5. DON’T withdrawal or deposit any large deposits (larger than your monthly wages) into your accounts without discussing this with your Loan Officer. You will need to document all large deposits correctly, and any large withdrawal could lower your balances and prevent you from having enough funds to close on time.
6. DO continue to save money for your down payment and closing costs. You can’t have too much money to buy a home! The more money you have saved the easier it will be to transition from one home to the next. Remember, moving can be expensive so make sure you have enough to cover the cost of the mortgage AND your moving expenses.

If you have ANY questions about what to do once you’re pre-approved, please don’t hesitate to reach out to us. Angie and Jeremy are happy to answer any and all questions you have to ensure you are comfortable with the mortgage process. Give us a call!

Rates are still pretty low! Call us today for free rate quotes, pre-approvals, and second opinions on cost estimates.

Here’s another glowing review from a past customer. Call us today!

Did you know that there are benefits to working with a mortgage broker vs using a big lender for your mortgage financing?
1. We are licensed by the Dept of Banking and have to undergo a licensing exam and annual continuing education. A lot of originators at banks and large lenders don’t need to be individually licensed to perform their job.
2. Our company is signed up with several different lenders to be able to offer a wide range of services and have access to several rate sheets. We do the rate shopping for you to get you the best rate.
3. We live and work in this market, so we know the nuances of buying and selling here in Central PA.
4. Our hours are flexible and you can reach us on our cell phones after hours and on weekends if you need us

If you’re on the fence about whether to use us or a large bank or national lender, consider all the benefits of calling us! We want to make the mortgage process easy for you!

Today’s rates are still looking good! Call us today for a free rate quote or 2nd opinion

JUST LISTED! 956 Innsbruck Drive, Hummelstown, PA 17036

Great opportunity to own in the highly sought after community, The Village of Innsbruck. Bring your vision to replace the flooring, add some paint and build some sweat equity!

🌏--> https://www.jenniferhollistergroup.com/listing-detail/1147813884
📱--> 717-727-0375 or 717-695-3177

Did you know that any income received that is included on a 1099 is considered self-employment income? Even if that income comes from a company that hired you. 1099’s are used to complete a “Schedule C” on your Federal Income Return documents, therefore the lender considers that self-employment. In order to use income from self-employment you will need 2 full years of tax returns to support that income for qualifying. If you've been self-employed for over 5 years, then only 1 year of tax returns are needed to support your income for qualifying. If you have any questions about your income or employment and how that impacts your potential for a pre-approval give us a call! We are always available to answer any questions.

Here’s another positive review from a past customer. Call us today to discover the A Plus Difference for your next home purchase!

If you haven’t already heard, beginning on 8/19/24, FHA will be following Conventional lending guidelines regarding gift documentation. If the gift donor writes a personal check, then only a copy of the front and back of the cleared gift check is required as source documentation. A completed, signed gift letter is still required as well. This eliminates the need for Donor bank statements (again, if the Donor write a personal check to the Buyer for the gift funds). Call us if you’re interested in discussing FHA financing, or are interested in obtaining a FREE mortgage pre-approval!

COMING SOON! 161 Mapleton Drive, Harrisburg, PA 17112

This wonderfully maintained end unit townhome is not one to miss!

Call us for more information or to schedule your own private tour!

🌏--> https://www.jenniferhollistergroup.com/listing-detail/1147608216
📱--> 717-727-0375 or 717-695-3177

Rates have come down a little bit from last week. Don’t forget that we offer FREE rate quotes and 2nd opinions on cost estimates from our competitors. Call us today!

JUST LISTED! 815 16th Street, New Cumberland, PA 17070

Looking for all brick, one level living in the Manor Section of New Cumberland? Look no further!

Call us for more information or to schedule your own private tour!

🌏--> https://www.jenniferhollistergroup.com/listing-detail/1147399553
📱--> 717-727-0375 or 717-695-3177

Are you searching for a new home but have limited funds! We have a few programs that we can look at that require 0% down! If you are curious about whether you qualify give us a call! We offer quick and easy pre-approvals at no cost. We would love to help you get approved!

Check out this fantastic review from a happy customer. Reach out today to discover the A Plus difference for yourself!