The Clermont Team - CrossCountry Mortgage, Palm Beach, FL Videos

🏡✨ Recently I worked with a couple who had dreamt for years of owning their own home. They’re a hard-working couple who had overcome major personal challenges and all lenders they worked with gave up on them. All they heard was the dreaded words: YOU DON’T QUALIFY. 🛑   They came to me with a credit score in the 500’s and even though their business was profitable, student and tax debt, past delinquencies and collections, tax write offs, combined with recently opening a new business meant that truly, as I reviewed their situation and file, meant that I didn’t think it was possible. Yet, the more I thought about it and heard their story, the more I wanted to help. Problems like this do keep me up at night, and as I started the day and met for yet another brainstorming session with my team I thought: THERE HAS GOT TO BE A WAY.   Low and behold, we found it. It was probably the most difficult loan I have ever done, and the process to get them there took a lot of work. It was a struggle – but we got there!   On a personal note, as I was hiking up this mountain in Whistler with my daughter, I was answering their calls, talking to the realtors, my team, our underwriting manager... I was not calm. In fact, I had moments of doubt of ever doing this job, because even as I was surrounded by this beautiful landscape.   In the end it was worth it, though. ❤️   We got a CLEAR TO CLOSE a day later – and their child was able to move back in with them (after being apart for years!!) into a beautiful new home. 🥺   Let’s just say there were tears of frustration during the process – and many late-night calls – but at the end, there were only tears of joy. 😭💕   If you don’t think you can achieve the dream of home ownership, and you think the process is too difficult or your situation is such that you’ve heard you don’t qualify, please give me a call. I offer free consultations! I love making people’s dreams come true. 🏡   Even if

Let’s talk about non-qualified (non-QM) loans. They’re not just loans… they’re keys to unlocking the possibility of owning real estate – which is the number one way to grow your wealth in America. 🤑🗝️💼 So often I have people reach out to me and they mention their client (or they themselves) can’t purchase real estate because they don’t qualify because they’re self-employed. Or haven’t had a job for a full two years. Or are high net worth individuals and don’t have a typical job.... Well, hold your horses! Not so fast. There are ways to get you into a mortgage – and it may not fall within the conventional or government loan guidelines, but they still qualify for home financing. If you’ve ever dreamed of owning real estate, let’s explore your options together! 🏢💰 Whether it’s your first venture or you’re expanding your portfolio, we have a number of in-house products that may work! And that part I’m super excited about. What if that’s you? 💼🚀 I love to strategize – it’s seriously one of my favorite things. Ready to turn those property dreams into reality? Let’s make it happen – your future home or investment awaits! 🎉🔑 #InvestInYourFuture #NonQMLoans #CreateWealthViaRealEstate 🌟🏠

Are you a sole proprietor, entrepreneur, or 1099 contractor and about to file your taxes? 🗓️ Wait, did you say you also want to buy a house this year? 🏡 We should work together to establish your real estate purchasing goals. Yeah, I get it. Everyone wants to make sure to maximize their business write-offs and show less tax liability... 💵 but if you want to buy a house, hold on. Before you file, you still have time to share a copy of your tax return draft with a trusted mortgage loan advisor to see what you qualify for. It might make the difference between homeownership and not. 🎯I specialize in boosting a business owner’s buying power. Plus, I have access to a variety of loan programs for entrepreneurs and self-employed borrowers to make sure we see how to qualify you for a home. You may not be a big business yet, but you can use the power of the financial team you have to maximize your real estate and investment goals. Now go crush it! #TaxTips #SmallBizFinance #FinancialWisdom #EntrepreneurTaxTips #TaxSavvy #MoneyManagement #SmallBizTax #BusinessFinance #TaxSeasonTips #FinancialFreedom #SmartMoneyMoves #TaxHacks #SmallBusinessSuccess #FinancialPlanning #TaxSeasonReady #MoneyMatters #BusinessOwners #TaxTimeTips #realestateownership

Trend Tracker Spring 2024 Housing Predictions with Chris Bennett
At what point will the mortgage market feel “normal” again? And what does the new normal look like? Mortgage expert Chris Bennett discussed the opportunities that lay ahead for homeowners and housing inventory alike. And he sees a change on the horizon. Read more here http://spr.ly/6181ZVPFf

Trend Tracker Spring 2024 Housing Predictions with Chris Bennett 2
Over the next 9 to 18 months, expect to see us move to a more normal market. It won’t happen fast, but the smart money says it will happen. And as rates trend down, inventory will go up. Learn more from mortgage expert Chris Bennett here http://spr.ly/6182ZVPFA

Trend Tracker Spring 2024 Housing Predictions with Chris Bennett
The Fed announced that interest rates will remain unchanged — for the time being. But what’s that mean for the future? As inflation continues to come down, that means rate cuts are still tracking in the right direction. For insight from mortgage expert Chris Bennett, click here http://spr.ly/6181khwil

Mortgage rates went up by approximately half a percent in the last week. This is actually great news if you are looking actively to buy a home. 🏡 Why? It’s supply and demand. Right now, while interest rates are higher buyers are waiting to get back into the purchasing market, which means the demand for real estate is a little softer. The longer mortgage interests rates stay higher, the more likely you will be able to get the seller to give seller concessions toward closing costs (maybe even the temporary rate buydown) and to give you more options like not having to waive your appraisal or inspections… As some wise investors say, you want to do the opposite of what the market is doing. 📈 Don’t be afraid of the rates - if it’s the right time for you and you have money saved and you’re ready and qualify, know that your rate isn’t forever. This may be the perfect opportunity for you to get in with more options in your favor! #realestate #mortgagerates #mortgagetips #realestateinvesting #mortgagebroker #mortgagelender #floridarealestate #californiarealestate

Multi-Unit LTV
Beginning November 18th, you can buy a 2-4 unit dwelling with just 5% down. Live in one unit and rent out the others – and apply your rental income to your monthly mortgage payments to save big. Contact us today to start your future as a financially savvy landlord.

Reminder that this gorgeous home is open in Jupiter, today from 1 pm to 3 pm. 🙌 Come see it - and say hi to Kate and me! 😀 . . . #jupiterrealestate #palmbeachrealestate #lixuryrealestate #palmbeachmortgagelender #clermontteam #jupiterhomes #jupiterfloridalifestyle

Buyer-Agent Relationship
Buyers from all generations want their agent’s help to find the right home. They need negotiation expertise and overall guidance. Contact us for a great agent referral.

One of the questions on many people's minds is what could a recession mean for the housing market? Here are some thoughts... Let me know your thoughts below 😊 #housingmarket2023 #mortgagerates #mortgagelender #clermontteam

Top 5 Information Sources Used By House Hunters
House hunters need to be in the know to buy their dream home. From co-marketed open houses to professionally designed yard signs, we can help with that. Contact us today to learn more.

Is this a good time to buy a home? This is something we get asked all the time, so we thought we'd touch on this in our weekly video: Homebuying and Selling with Anne and Alan Jacobson, Realtor at Keller Williams Reserve 🙂 We discuss ROI (return on investment) even if you are buying a primary residence. Let us know your thoughts below!