Anais Stephanie

Key information for my future homebuyers 🏡 🔑

Your rate will be calculated based on personal details.

What factors determine your interest rate?

* Loan Type
* Down Payment
* Loan Program
* Loan Term
* Home Location
* Loan Amount
* Credit Score

Keep in mind that rates can change daily and sometimes more than once a day.

I have reached 100 followers! Thank you for your continued support. I could not have done it without each of you. 🙏🤗🎉

Do Lenders Require Home Inspection for Mortgage Approval?

Lenders usually don’t require a home inspection because the home appraisal tells them what they need to know.

The appraisal tells the lender a home’s market value. In other words, if they had to take possession of the home and sell it because you stopped making your payments, would they make enough money? That’s what lenders care about.

This, however, doesn’t mean you shouldn’t get an inspection.

‼️ In Escrow ‼️
Investment Property- 25 Day Closing

Great job on getting the offer accepted! 🙏 It matters who you work with!

Looking to buy your first home, second home or even an investment property! Don’t wait on it. I can help you get to a payment you are comfortable with.

Contact me for any questions 📲

Hello October 🖤🍂

My two best friends, next month we will be welcoming baby Z. ✨

‼️Attention ‼️

Effective immediately conforming loan limits have increased to $715,000.

What does this mean?
Loans that used to be considered “jumbo” at $647,000 purchase price are now in the conventional conforming category.

The benefits
• Less restrictive regulations
• Possible lower down payment
• Possible lower rates
• Higher purchase power

Contact me for any questions 📞
Application Link in bio.

Money isn’t everything, but everything needs money! Have you thought about your down payment?

🔸An ideal down payment in the eyes of a lender is 20% of the home’s purchase price.
🔸By putting down 20%, you don’t have to pay private mortgage insurance (PMI)

Putting 20% down can also make you a more attractive borrower.

But depending on the price of the home, 20% could be out of reach. In fact, most first-time homebuyers put down less than 10%. FHA loans allow down payments as low as 3.5%. Some VA loans allow for no down payment at all.

Just wrapped up a few mortgage/real estate videos to keep you updated with the market. 🏡

Don’t stay in the unknown, speak to a mortgage lender like myself to see how much you qualify for. ☺️

If you are a first time homebuyer or you have any questions about buying your first home, we have something exciting for you. EZ Fundings Home Loans and Keller Williams will be holding a free seminar on September 24 at 11 am at the Keller Williams office located at 9483 Haven Ave, unit 100, Rancho Cucamonga CA, 91730.

You will learn all the things you need to know about:
-Buying your first home
-Down payment assistance programs
-Programs for the self-employed
-The strategies to buy, including using your 401k
-As well as the areas suitable for first time home buyers

Don’t miss this opportunity. Take that first step now to purchase your first property.

Snacks & Breakfast will be served. Children are welcome.

Gift Card raffle will be held at the end of the seminar!

Link in Bio to register ✨

_______

Si usted es un comprador de vivienda por primera vez o tiene alguna pregunta sobre la compra de su primera casa, tenemos algo emocionante para usted. EZ Fundings Home Loans y Keller Williams realizarán un seminario gratuito el 24 de septiembre a las 11 am en la oficina de Keller Williams ubicada en 9483 Haven Ave, unidad 100, Rancho Cucamonga CA, 91730.

Aprenderás todo lo que necesitas saber sobre:
-Comprando tu primera casa
-Programas de asistencia para el pago inicial
-Programas para autónomos
-Las estrategias para comprar, incluido el uso de su 401k
-Así como las áreas aptas para compradores de vivienda por primera vez.

No te pierdas esta oportunidad. Dé ese primer paso ahora para comprar su primera propiedad.

Se servirán refrigerios y desayuno. Los niños son bienvenidos.

¡La rifa de Gift Card se llevará a cabo al final del seminario!

Here is another mortgage myth I am going to debunk once and for all 💪💪

⛔ Myth: If your credit score is low, you should not even try to get a mortgage

✔️ Reality: Millions of potential buyers assume they will not be approved for a mortgage even though many could qualify on the basis of their credit score.

It’s best to discuss your current financial situation with an experienced Lender ( That’s me!) who can help establish a strategy to repair or strengthen your credit score before applying for a loan.

I recommend that you explore your home financing options early, and start building a personal team of experts on your side. 🧔👩‍🦳👨‍🙋

DM me to learn more!

Let’s set the record straight by debunking yet another mortgage myth once and for all.💪💪

⛔ Myth: If you owe a lot of student loan debt, there is no way you can get a mortgage.
✔️Reality: Having a lot of student loan debt doesn’t automatically disqualify you from getting a mortgage. The key factor is not necessarily the size of your loan, but the amount of your total monthly debt payments compared to your monthly income. This is called DTI. 🧑‍🎓

The bottom line? Strategy! 📈📈 Explore your home financing options early, and start building a personal team of experts on your side. 🧔👩‍🦳👨‍🙋

DM me to learn more!

I know it can be hard to keep up at times when a lender or Realtor starts using acronyms or phrases you never heard when speaking about your money! 😕
But that’s why I’m here to help. 🙌

Today’s vocab? Appraisal Gap.

An appraisal gap is a difference between the fair market value determined by the appraiser and the amount you agreed to pay for the home. 🤔 It’s essential to protect yourself going into the contract and to have a plan on how to proceed should the appraisal come in lower. 💢

Ready to start your mortgage process? Let’s get you pre-approved. DM me to get started.

Finding your dream home is a lot like finding the perfect partner. It might take a while, but when you find the one, you know you’ll always have the support of someone who just gets you. And when you find your dream home, you’ll always have the perfect place to unwind and make memories.

To make your home buying experience smooth, here’s what I recommend:

✔️ Know your finances
Get your financial picture in order before applying for a mortgage. Remember, it helps to get pre-approved

✔️ Stay on budget
I recommend adopting the 28/36 rule. For example, your monthly housing expenses should not exceed 28% of your gross monthly income, while all your monthly expenses such as housing costs, car payments, etc should not exceed 36% of your gross monthly income.

Last but not least, reach out to me to start the pre-approval process.

Congratulations to the Marin Family on their first home 🏡 So happy to have been a part of their homeownership journey. Thank you to for helping them find a home in such a short time and getting their offer accepted with closing costs credit! 👏🏼✨

Thank you to my EZ fundings team and for the hard work and smooth closing. 🫶🏼🙏

Who’s next?. We’d love to help you become a homeowner. ☺️

Make Sure You are Paying Your Own Mortgage & Not Someone Else’s!

Here are 3 reasons why you should kiss your landlord goodbye:

✔️ Owning your home means you can do anything you want with the property
✔️ Owning your home means tax benefits
✔️ Mortgage costs stay the same as rents rise

Let’s get you pre-approved!

In Escrow ✨

If you’ve been stuck looking for a home and not getting your offers accepted, let us know! It matters who you work with. 😊

Welcome Home Marquez Family. 🤍🏡

If you’re thinking of buying, do not wait to get preapproved. Homes are going fast in this market and we do not foresee them dropping in value. Contact myself or my amazing loan partner to get YOU ready to buy! 🏡

Closed Escrow‼️

In a competitive market we were able to get our buyer and his family into their dream home and negotiate seller credit. 🥳

Contact me to get preapproved 📲💻

👠

‼️ OPEN HOUSE ‼️

Friday 5/6 - Saturday 5/7 🏡

Beautiful new listing in the North Fontana area. Come by and check it out if you ARE pre-approved! 😉 If you are NOT pre-approved, make sure to contact me to be prepared to put in that offer 📲

Listed by: Leticia Merel

‼️ OPEN HOUSE ‼️

Saturday 4/30 & Sunday 5/01 🏡
11:00 AM - 2:00 PM

📍8184 Alta Loma Dr, Alta Loma, CA 91701

Don’t miss out on this gem❕

Happy Wednesday Friends ✨

Quick Mortgage Market Update‼️

Sales will be down but not out as the ongoing inventory problems will help with demand. New home availability is improving; the number of lots being acquired and developed is rising and new homes for sale in December were at their highest since 2008. The limiting factor for new home sales is a matter of how quickly builders can work through supply chain and labor problems but Fannie expects new home construction will remain strong both in absolute terms and relative to existing home sales. They now expect new home sales for 2022 to be 15.4 percent higher than the 2021 total, helping to offset some of the existing shortage of pre-owned homes and thus aid affordability. 🏡

Don’t wait to get Preapproved after finding a home! 🙅🏻‍♀️

Get ahead of the game and be prepared to submit a clean offer, it makes a difference! 🏠🙌🏻

Keep up with your credit score 📈

Understanding your credit is key to having a high score. Feel free to ask any questions 📲

Apply today 🏡📲

https://ezfundz.mymortgage-online.com/ANAIS.html

Showcase Your Home With Drones Rancho Cucamonga CA Homes for Sale and Real Estate. Mario Acevedo specializes in Homes and Listings, representing both Home Buyers and Home Sellers.

I love meeting someone with a similar mind and vibe. It’s always nice exploring inner personalities. ☺️☀️

In a world of algorithms, hashtags and followers, know the true importance of human connection. 🌎

Happy Friday, a little photo dump of last night’s event. 💫

Happy Friday ✨

Just a friendly reminder: if you believe that you can, you’re half way there.

Have a blessed weekend! 🤍