J. McClain Home Loans

Introducing a groundbreaking 1% down payment program - Your clients can now own their dream home with ease!"

The market is heating up again 🔥🔥🔥

Ready to start house hunting? First, make sure you get a pre-approval letter from an independent mortgage professional like me. This will help you shop within your price range and give you the upper hand in the event of a bidding war. DM me to learn more.

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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With same-day closings, you're in the driver's seat. Call me to help with your lending needs.

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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Got big home dreams? Reach out today to learn about our jumbo loan options!

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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Let’s get Pre approved today!

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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Lock an interest rate without an offer on a property. Call me today to learn how.

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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Making an offer with confidence is possible when you have an initial approval. Our cutting-edge process lets us do what big banks and retail lenders can’t and give you an initial loan approval in as little as 15 minutes — even on the weekends!

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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There are never enough hours in the day to get everything done when you're self-employed. One perk of working with me is that you can get qualified for a loan up to $3 million by simply providing your bank statements.

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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#1099

If you have a 620 FICO or higher and looking for a lower down payment, we can help you! You may be able to put down as little as 3% and close in as quickly as 17 days. Call me today to learn more.

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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We do jumbo loans! Get expert advice and an easy process by calling me today!

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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First time homebuyers – worried applying for a mortgage loan will have you running in circles? Work with us and you can complete your mortgage application online whenever and wherever is best for you. Private, simple, and secure – contact me today.

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #1972162 - NEXA Mortgage NMLS #1660690

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Have dreams of renovations? Owning a home means having the freedom to do whatever you want with your space. It's time to move out of that rental and into your dream home! Let's get started today!

👉🏼 www.jmcclainloans.com

Jason McClain NMLS #197621 - NEXA Mortgage NMLS #1660690

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Homeownership Wins Over Time [INFOGRAPHIC]

If you’re questioning whether or not to buy a home this year due to today’s cooling market, consider the long-term financial benefits of homeownership. As a homeowner, equity increases your wealth. On average, nationwide, home prices appreciated by 290.2% since 1991. Homeownership wins in the long run. If you’re ready to buy a home, DM me today.

Homeownership Wins Over Time Some Highlights If you’re questioning whether or not to buy a home this year due to today’s cooling market, consider the long-term financial benefits of homeownership. As a homeowner, equity increases your wealth. On average, nationwide, home prices appreciated by 2% since 1991. Homeownership wi...

Do You Believe Homeownership Is Out of Reach? Maybe It Doesn’t Have To Be.

It turns out, millennials aren’t the renter generation after all. The 2022 Consumer Insights Report from Mynd says there’s a portion of millennial and Gen Z buyers who are pursuing homeownership as a way to build their wealth.

Instead of buying a home and moving into it themselves, some young buyers are purchasing a home so they can use it as a rental. This tactic may be gaining popularity, at least in part, because of the affordability challenges brought about by today’s higher mortgage rates. The report above mentions how many people in this group are considering this approach. It says:

“Almost half of Millennials and Gen Z (43%) are considering buying an investment property compared to only 9% of Baby Boomers and 27% of Gen X.”

>>Why Younger Buyers Are Buying a Home To...

Do You Believe Homeownership Is Out of Reach? Maybe It Doesn’t Have To Be. It turns out, millennials aren’t the renter generation after all. The 2022 Consumer Insights Report from Mynd says there’s a portion of millennial and Gen Z buyers who are pursuing homeownership as a way to build their wealth, but it may not be exactly the way previous generations have done it. ...

Sell Your House Before the Holidays

As you look ahead to the winter season, you’re likely making plans and thinking about what you want to achieve before the year ends. One of those key decision points could be whether or not you want to move this year.

If you’re ready to make your decision, here are three reasons you may want to consider selling before the holidays.

>>1. Get One Step Ahead of Other Sellers

Homeowners are less likely to list their houses toward the end of the year. Selling now, while other homeowners may hold off until after the holidays, can help your house stand out.

Start the process with a real estate professional today so you can get your house on the market and get ahead of your competition.

>>2. Get In Front of Serious Buyers This Season

Even though housing supply has increased this year as buyer demand has moderated, it’s...

Sell Your House Before the Holidays As you look ahead to the winter season, you’re likely making plans and thinking about what you want to achieve before the year ends. One of those key decision points could be whether or not you want to move this year. If the location or size of your current home no longer meets your needs, finding...

Over the past two years, we’ve seen a massive amount of buyer demand (showings) and not enough homes available for sale (listings). Today, that’s shifting. Buyer demand has eased and the supply of homes for sale is up compared to the same time last year. If you have questions about what that means for you when you buy or sell, DM me.

Owning a home has many financial benefits. As a homeowner, you gain equity by paying your monthly mortgage and when your home appreciates in value. And if your needs change, you can use that equity to help fuel a move. Whether you’re already a homeowner or planning to be one, DM me to learn more.

Applying for a Mortgage Doesn’t Have To Be Scary [INFOGRAPHIC]

Even with higher mortgage rates, the mortgage process doesn’t need to be something you fear. Here are some steps to help as you set out to buy a home. Know your credit score and work to build strong credit. When you’re ready, lean on the pros and connect with a lender so you can get pre-approved and begin your home search. Any major life change can be scary, and buying a home is no different. DM me so you have an advisor by your side to take fear out of the equation.

Applying for a Mortgage Doesn’t Have To Be Scary Some Highlights Even with higher mortgage rates, the mortgage process doesn’t need to be something you fear. Here are some steps to help as you set out to buy a home. Know your credit score and work to build strong credit. When you’re ready, lean on the pros and connect with a lender so you can ...

In a market where buyers have more homes to choose from than they did at this time last year, you want yours to stand out. That’s why it’s critical to do everything you can to make sure it shines. It may sound simple, but tidying up before showings can boost your home’s appeal. For expert advice, DM me, and let’s partner on your home sale.

What Happens to Housing when There’s a Recession?

Since the 2008 housing bubble burst, the word recession strikes a stronger emotional chord than it ever did before. And while there’s some debate around whether we’re officially in a recession right now, the good news is experts say a recession today would likely be mild and the economy would rebound quickly.

To add to that sentiment, housing is typically one of the first sectors to rebound during a slowdown.

Part of that rebound is tied to what has historically happened to mortgage rates during recessions. Here’s a look back at rates during previous economic slowdowns to help put your mind at ease.

>>Mortgage Rates Typically Fall During Recessions

Historical data helps paint the picture of how a recession could impact the cost of financing a home. Looking at recessions in this country going...

What Happens to Housing when There’s a Recession? Since the 2008 housing bubble burst, the word recession strikes a stronger emotional chord than it ever did before. And while there’s some debate around whether we’re officially in a recession right now, the good news is experts say a recession today would likely be mild and the economy would re...

If you’re planning to sell your house, here’s what you should know. The inventory of homes for sale has increased this year compared to last, but supply is still far below more normal years like 2019. That means your house should still be in demand if you work with an agent to price it right. If you’re ready to sell, DM me to get started.

Rents have risen quickly due to high inflation. One benefit of homeownership is that it allows you to lock in what’s typically your largest monthly expense: your housing payment. That makes owning a home a great hedge against inflation. Ready to begin your home search? DM me.

Wondering what's going to happen with home prices over the next few years? According to a survey of over 100 housing market experts, home prices will moderate from the peak we saw during the pandemic. But the consensus among experts is they won't fall nationally. DM me today if you have questions about home prices in our area.

The Latest on Supply and Demand in Housing

Over the past two years, the substantial imbalance of low housing supply and high buyer demand pushed home sales and buyer competition to new heights. But this year, things are shifting as supply and demand reach an inflection point.

This year, buyer demand has eased as higher mortgage rates and mounting economic uncertainty moderated the market.

>>What Does This Inflection Point Mean for Buyers?

If you’re thinking of buying a home, you’ll have less competition and more options than you would have had last year. Enjoy having more homes to choose from in your home search and lean on a trusted real estate professional to understand how the increase in supply has also increased your negotiation power. That professional can talk you through the opportunities and challenges buyers face in today’s shifting...

The Latest on Supply and Demand in Housing Over the past two years, the substantial imbalance of low housing supply and high buyer demand pushed home sales and buyer competition to new heights. But this year, things are shifting as supply and demand reach an inflection point.