Joseph Casella -First Coast Mortgage Funding

1 Day Approval !!!

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS # 2107658
NMLS # 1953441

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS # 2107658
NMLS # 1953441

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

1 Day Approval !!!!

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

Does failing to provide extra documents after pre-approval
 
 
🏡 Ever feel like getting a mortgage is like taking an exam you didn’t study for? 📝 Well, let’s chat about a pop quiz you DON’T want to fail: Providing Requested Documentation.
You see, even if you get that golden ‘pre-approved’ stamp, the underwriters are still gonna ask for more papers. 📃 Think of them as the teachers who ask for extra credit work AFTER you aced the test. 🤓
So, what happens if you decide to ‘forget’ those papers at home? 🤔 Well, let’s just say, no papers could mean no keys to your new home. 🚫🔑
Don’t let a simple mistake mess up your home-buying journey!

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS # 2107658
NMLS # 1953441

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

My Mortgage Info guide and Remember that
𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS # 2107658
NMLS # 1953441

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

Another Approval!! 14 days is my usual clear to close!!

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

My September was Amazing! Let me help you with your next loan 🏡

Who you work with Matters!!

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS # 2107658
NMLS # 1953441

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

This Friday 11am-2pm
5425 Riverwood Rd N. St. Augustine, FL 32092

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS # 2107658
First Coast Mortgage Funding NMLS # 1953441

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

Never Forget

Another 1 Day Approval!!

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

Look what just came in!

Need a loan? Call me 📱

Joey

BROKERS ARE BETTER

Joseph Casella
Loan Officer
Casella Sells Group
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:
https://
firstcoastmortgagefunding.my1003app.co
m/2107658/register

🏡 Understanding your loan options is a crucial step on the path to homeownership. Let’s take a moment to dive into the world of mortgages and discover the key to unlocking your dream home! 🔑
🗝 Fixed-Rate Loans: Stability is the game here. With a fixed interest rate, your monthly payments stay the same for the loan’s lifetime. Great for budgeting and long-term planning. 📈
🗝 Adjustable-Rate Loans: These start with a lower interest rate, which can adjust over time. Ideal if you plan on moving before the rate goes up. ⏱️
🗝 FHA Loans: With lower down payment requirements, these government-insured loans are perfect for first-time homebuyers or those with less-than-perfect credit. 👍
🗝 VA Loans: A fantastic benefit for our veterans – these loans often require no down payment or mortgage insurance. 🎖️
🗝 USDA Loans: Living in a rural or suburban area? You might qualify for a USDA loan, which also offers zero down payment options

When you’re ready to explore these options and more, I’m here to help and guide you. Your dream home awaits. Let’s unlock it together! 🔑

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

“Calling all realtors! Come listen to three teams share best practices that help them win in this challenging market!”

September 14th 930-11am

𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

12 Days!! Cleared to Close!!
Call me let’s get you into your Dream home!!

We have a proven record for a fast loan approval! Call me and let’s get you approved for your next home or refinance 🏡

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

Part of being your mortgage broker means we are always looking for ways to save you money. That’s why we’ve partnered with First Coast Solar.

Why solar? Florida Power and Light energy costs have increased 29.6% over the last 2 years!

With solar you:
Lock in your energy costs
Have NO money out of pocket!
Can finance a
# at the same time!

You can email or DM me with all pages of your electric bill and we will put together a proposal to see your savings!

Use your equity 🏡 Let me tell you all about this new fixed rate program that is perfect!

Joey

We have a proven record for a fast loan approval! Call me and let’s get you approved for your next home or refinance 🏡

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS 2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

🕵️ Got a spare $9,407 burning a hole in your pocket? You could splurge on a fancy vacation, buy a small island, or maybe a dozen unicorns! 🦄 But here's a smarter idea - why not keep that cash in your pocket instead? 😎

With First Coast Mortgage Funding, you can save that amount on your mortgage - no magic or unicorns needed! The latest official HMDA data reveals that independent mortgage brokers are stepping up and saving borrowers a significant $9,400 compared to retail lenders and mega banks. 🎈

Call us today and step into a future where your money stays where it belongs - in your pocket. Now that's a magical deal! 🌈 Dial us now, and let's keep those $9,407 right where they should be! ☎️

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

broker

Did you know? The Impact of Interest Rates

Get ready to have your mind blown by the impact of interest rates on your purchasing power! 🤯💸

Did you know that a 1% change in an interest rate can affect your purchasing power by about 10%? For example, if you qualify for a $400,000 mortgage at 3%, you’d only qualify for around $360,000 if the rate went up to 4%

So, whether you’re just starting your home buying journey or considering a refinance, keep a close eye on those interest rate fluctuations. They have the power to shape your financial landscape and determine the scope of your homeownership dreams.

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

“Nothing better than a same day approval! Does your client need a same day approval?”

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

“Congratulations to my 1st time home buyer Stacy! Helping people is my passion”

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

May went Great and I was able to help 5 families get into their new homes 🏡
I Would love to work with you and help you get into your new home!!
Joey

We have a proven record for a fast loan approval! Call me and let’s get you approved for your next home or refinance 🏡

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

💳✨ Get your magnifying glasses out and put on your detective hats, folks, because we’re about to crack the case of the ‘Credit Score Conundrum’! The question on the table: ‘How will my credit affect my monthly payments?’ 🤔🏠💰

“The Credit Score Tango! 💃🕺: Imagine your credit score as a dance partner. The better your partner (aka your credit score), the smoother the dance (aka lower your interest rate) is likely to be! 💫💳
“Interest Rate Roller Coaster 🎢💰: High credit score? Congrats, you might qualify for lower interest rates! And when it comes to interest, less is more, my friends! Less interest means more savings for those monthly payments! 💵🎉
“The Monthly Payment Puzzle 🧩📅: So, better credit can mean lower interest rates, which can lead to smaller monthly mortgage payments. Talk about a winning trio! 🏆🥇🥈🥉
Remember, your credit score isn’t just a number, it’s a superstar that can score you a great deal on your dream home! So, ready to strut your stuff in the credit score tango and piece together your perfect payment plan? Let’s dance!

Joey

We have a proven record for a fast loan approval! Call me and let’s get you approved for your next home or refinance 🏡

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

Remembering those that Served 🇺🇸 Have a Happy and Safe Memorial Day

Choosing the Right Mortgage: Fixed vs. Adjustable Rate



Ah, the age-old question: fixed or adjustable rate mortgage? It’s the financial equivalent of “To be or not to be 😁” Okay, maybe not that dramatic, but you get the point.

✔️ Fixed rate mortgages offer the stability of a dependable interest rate.
✔️Adjustable rate mortgages have the potential for lower rates in the short term but can leave you at the mercy of the market in the long term.

So, which one is right for you?

Well, it depends on your goals and risk tolerance. If you’re a risk-taker who likes to live on the edge (financially speaking, of course), an adjustable rate mortgage might be your jam. But if you prefer the peace of mind that comes with knowing your monthly mortgage payment won’t fluctuate, then a fixed rate mortgage is the way to go.

Just remember, whichever option you choose, make sure you can comfortably afford the payments, because there’s nothing funny about defaulting on your mortgage.

Joey

We have a proven record for a fast loan approval! Call me and let’s get you approved for your next home or refinance 🏡

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register

14 days!! I was able to save this deal for my buyers! Brokers Are Better!!

Ready to start your journey as a homebuyer?

Then listen up, because I’ve got a tip that can make all the difference: Maintain your credit!

Your credit score plays a big role in your ability to obtain a mortgage. So, let’s dive into some key points on how to keep your credit in tip-top shape.

🗝 Keep your credit card balances low: Try to keep your credit card balances at or below 30% of your credit limit. This can help improve your credit score and make you more attractive to lenders.

🗝 Pay your bills on time: Late payments can have a negative impact on your credit score, so be sure to pay your bills on time every month.

🗝 Check your credit report: Regularly checking your credit report can help you catch errors or discrepancies that could be negatively affecting your credit score.

🗝 Avoid new credit inquiries: Opening new lines of credit or taking out new loans can temporarily lower your credit score, so try to avoid new credit inquiries when possible.

So, let’s make this home buying journey a success by taking care of that credit! 🏡💰💪

We have a proven record for a fast loan approval! Call me and let’s get you approved for your next home or refinance 🏡

𝗕𝗥𝗢𝗞𝗘𝗥𝗦 𝗔𝗥𝗘 𝗕𝗘𝗧𝗧𝗘𝗥😎

Joseph Casella
𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿
𝗖𝗮𝘀𝗲𝗹𝗹𝗮 𝗦𝗲𝗹𝗹𝘀 𝗚𝗿𝗼𝘂𝗽
First Coast Mortgage Funding
954-892-1930
NMLS #2107658

Start here:

https://firstcoastmortgagefunding.my1003app.com/2107658/register