Gerald Payan, NMLS #1525500

Home Loan Expert since 2016
Hablo Español

06/29/2024

When a client asks to meet on a Saturday morning for a pre-approval…you meet on a Saturday morning for a pre-approval! 🤓☀️😎

Photos from Gerald Payan, NMLS #1525500's post 06/28/2024

Happy Closing Day! 🎉🏠

Congrats to our newest homeowners! 🥳

Thank you for trusting in me! 🤩

Who’s next⁉️

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Gerald Payan NMLS #1525500
ATM NMLS #239592

! ! !?

Photos from Joanna Rivera Real Estate Agent's post 06/21/2024

Closing Day! Always makes me smile! 😁

06/06/2024

👀

💥Price Improvement 💥💥This awesome home 🏡 is awaiting new homeowners, like a new home that was built in 2020, Check out the details below!

🏡 Northside, Greene Meadows 🌟
📍 12561 Lake Taylor Lane, Jacksonville , FL 32218
✨ Quick Highlights:
🔍 Key Details (MLS #: 2020788)
🛏️ 3 Bedrooms - Comfort & space for everyone.
🛁 2 Bathrooms - Modern with double vanity quart countertops
📏 2001 sq ft - Perfectly sized for family living.
🌴Extended screened lanai with water view
🏡 Move-In Ready: Just unpack & enjoy!

This home offers the perfect blend of modern updates and convenience. Come and check it out today!✨🔑

Feel free to share it with anyone looking for a MOVE-IN ready home on the Northside 🙂
Brokerage: Navy to Navy Homes
Listed by Vanessa Hernandez

05/30/2024

Building Your Business With Social Media! 🤓😎

05/08/2024

Day 2 of Rocket Pro TPO All Access! 🤓🤩

Such a nice day in Detroit!

BTW, that’s Canada behind me across the water! 😅☀️😎

04/26/2024

FYI

🏈Welch Team is sponsoring an incredible Youth Football Camp this June! FlexWork Sports Management has arranged for CHRISTIAN KIRK to join us in Jacksonville on June 8th, hosting a camp from 9:00 am to 1:00 pm tailored for boys and girls aged 6-16.

Link to sign up below👇
https://bit.ly/FlexWorkSignUp

04/19/2024

🚨OPEN HOUSE🚨
🗓️ TOMORROW, SATURDAY 11a-1p
📍 12561 Lake Taylor Ln, Jacksonville FL 32218

Who’s ready to start their Pre-Approval!? ✅

You know who to reach out to! Your Go-To MLO! 🤓😎

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Gerald Payan NMLS #1525500
ATM NMLS #239592

! !?

04/18/2024

A common mistake I see new homebuyers make is skipping the mortgage pre-approval process.

What is a mortgage pre-approval?

This is the process where a Morgage Loan Originator (that's me!) evaluates your financial information and determines the maximum loan amount you may qualify for.

This involves a thorough analysis of your income, credit/debt, and assets/savings.

Benefits of a pre-approval:
1. Knowing your budget - this helps you understand how much you can afford and prevent you from wasting time looking at homes outside of your price range.
2. Credibility with Sellers/Realtors - having a PA demonstrates that you are a serious buyer who is financially capable and ready to purchase a home which Sellers often prefer.
3. Faster Closing Process - PA can expedite the closing process since much of the mortgage paperwork has already been completed.

Pre-approvals typically are good for 90 days. I encourage anyone looking to purchase a home in the upcoming months to reach out to me, your Go-To MLO, to start a free consultation.

I'm not just an Originator, I am an Advisor! 🤓😎

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Gerald Payan NMLS #1525500
ATM NMLS #239592

! !?

04/17/2024

Understanding the Total Cost of a Mortgage for new home buyers based on an average price of $350k.

Upfront Costs:
Earnest Deposit - this cost can range and is negotiable but typically an average of 1% of the purchase price so in this case, $3,500.

Appraisal and/or inspections can also range and combine upwards to $1,000 or more.

You can expect to pay anywhere between $3k-$5k at the beginning of your home loan process.

At the end of the home loan process, aka "closing", you can expect to pay the rest of the costs/fees associated with the loan as follows:

1. Down Payment (3-5% for primary home) $10,500-$17,500.
Keep in mind your Earnest Deposit is deducted from this amount.

2. Closing Costs (2-5% of the loan amount) this number can range based on several factors so anywhere from $7,000-$17,000 so let's say an avg of $12k.

3. Pepaids & Escrow - this is a big one most people do not consider. When you buy a home, it needs homeowners insurance and you are required to pay the entire 1st year's premium on or before closing. As well as a few extra months for insurance premiums and property taxes to start your escrow account. You're looking at a good $2k-$3k+.

In total, approx. $20k on the low end upwards to $30k+ due at closing.

You can also have your realtor negotiate Seller Concessions. On a Conventional loan, sellers can contribute up to 3% of purchase price and up to 6% on FHA loans.

I have some great programs that can help reduce your total cash to closing with down payment assistance or additional financing options. Ask me how!?

Your Go-To MLO! 😎

-

Gerald Payan NMLS #1525500
ATM NMLS #239592

! !?

04/04/2024

FYI

Are you ready to transform your newsletter into a powerful tool that captivates and engages? Join us for an exclusive workshop with ALC member Lynn Pace, who will share insider secrets to crafting compelling newsletters that resonate with your audience and drive results.

📅 Date: Thursday, April 4th
⏰ Time: 1:30 PM EST
📍 Location: Join in person at the Mandarin Training Room at 2950 halcyon Ln STE 102 or tune in via Zoom for a virtual experience.

This workshop is open to ALL real estate professionals eager to enhance their marketing strategies. Don’t miss this opportunity to learn from the best, network with peers, and take your newsletters to the next level!

Zoom Details: https://us06web.zoom.us/j/82766519414?pwd=TieVaObhYbMffoiwg3pqQdYmiiqP8u.1
Meeting ID: 827 6651 9414
Passcode: 798286

👉 RSVP now and mark your calendar! Whether you’re looking to kickstart your newsletter journey or elevate your existing strategy, this session is for you.

04/02/2024

Great morning getting to sponsor today’s Code of Ethics training at NEFAR. 🤓🏡☀️😎

04/01/2024

Mortgage Myth Monday 🏡💡🤓

A pre-qualification & a pre-approval mean the same thing.

True or False?

Another FALSE ❌

While they may sound similar, they have completely different meanings.

A pre-qualification is a preliminary estimate based on basic financial information such as income, credit and savings but no actual verification is done.

A pre-approval, on the other hand, is a more formal and detailed process that involves verification of income, credit and savings with supporting documentation such as tax returns, bank statements and credit check.

Who’s ready to start their pre-approval⁉️

You know who to reach out to, your go-to MLO! 😎

-

Gerald Payan NMLS #1525500
ATM NMLS #239592

! !?

03/29/2024
03/27/2024

WERE HIRING! 📣

Calling all MLO’s - are you ready for a change now that Q1 is coming to an end? We’re looking for passionate, driven and customer focused Loan Originators to join our ATM team! With competitive compensation packages, full time Marketing & Business Development, an in house Corporate Trainer, access to multiple programs and lenders for your customers & so much more - we’d love to connect with you and see how we can help YOU grow.

Head to the link in our bio or go to bit.ly/ATMCareers to schedule a confidential call to learn if we would be a good fit for you!

03/25/2024

Mortgage Myth Monday 🏡💡🤓

You need 20% down payment to buy a house.

True or False?

Absolutely FALSE‼️

Most loan programs for a primary home can range between 3-5% down.

There are even some programs with down payment assistance that can go as low 1% down or even offer 100% financing, meaning 0% down for you! 🤩

Reach out to me, your go-to MLO, and I’ll fill you in the details!

Who’s ready to start their pre-approval⁉️

-

Gerald Payan NMLS #1525500
ATM NMLS #239592

! !?

03/24/2024

Post 3/24/24 7:30 am

🌊 Early morning rough surf in Ponte Vedra
🌬️ Coastal wind gusts already 30-40 mph
⚠️ Dangerous rip currents & surf TODAY
🚨 Please stay out of the surf zone

We have a lot of visitors for spring break - help us spread the word about the deadly rip current potential today & tomorrow.

Check out our Beach Forecast webpage for more information: https://www.weather.gov/beach/jax

03/24/2024

Today from 2-5! Open house at this lovely home! Stop by!

03/15/2024

🎯Open House tomorrow‼️ St Augustine, FL
Come say hi! 👋🏼 I will be available to talk financing! 🤓😎

03/09/2024

Invest in women: Accelerate progress

"As we celebrate International Women's Day 2024 and reflect on the theme of Inspire Inclusion, let us reaffirm our commitment to creating a world where all women are empowered, valued, and included. By working together to break down barriers and foster diversity, we can build a more equitable and inclusive society for generations to come."

Thank you to the phenomenal women I get to interact with day in and day out in our industry.

03/08/2024

Open house! Casa Abierta! Open House!

Sunday, March 10 from 12 PM to 4 PM

Please call me for more information at 813–297–9183

Introducing a stunning 2021 custom craftsman masterpiece in Riverside at Rivertown, Saint Johns County. This 5,832 SF home boasts 4 BR, 4 full baths, and 2 half baths, featuring luxurious details like an opulent owner's suite, bonus office/studio/gym space, and a Chef's Kitchen with high-end appliances. Enjoy outdoor living with a pool, hot tub, and covered lanai. Notable upgrades include a 60kw generator, heated salt-water pool, and assigned dock slip. Located in a gated enclave with access to Rivertown CDD amenities. Schedule your viewing today!

Presentamos una impresionante obra maestra artesanal personalizada de 2021 en Riverside en Rivertown, condado de Saint Johns. Esta casa de 5,832 pies cuadrados cuenta con 4 habitaciones, 4 baños completos y 2 medios baños, con detalles lujosos como una suite principal opulenta, espacio adicional para oficina/estudio/gimnasio y una cocina de chef con electrodomésticos de alta gama. Disfrute de la vida al aire libre con una piscina, whirlpool bath y una terraza cubierta. Mejoras notables incluyen un generador de 60kw, piscina climatizada con agua salada y un muelle asignado. Ubicada en un enclave cerrado con acceso a las comodidades de Rivertown CDD. ¡Agende su visita hoy!

02/24/2024

Exclusive Offer Alert: With our preferred lender and an accepted offer, enjoy a 2-year rate buy down!
**Discover the allure of this expansive five-acre lot boasting nearly 100 ft of waterfront potential!
**Step into the beautifully updated manufactured home and experience the modern open floor plan designed for effortless living. The kitchen showcases stainless steel appliances and a generous open island with a double sink, perfect for culinary adventures. Enjoy privacy with the split floor plan, featuring a master suite with a luxurious bathroom, complete with a soaking tub and shower stall, along with a spacious walk-in closet. Entertainment awaits in the large media room, while an additional room with built-in cabinets and desk space caters to your work-from-home needs.
**Embrace adventure on this property, ideal for thrill-seekers with ample space for riding 4 wheelers, dirt bikes, and side-by-side ATVs.

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Click here to claim your Sponsored Listing.

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Address

Ponte Vedra Beach, FL
32081

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