Jennifer Stears Hillhurst Mortgage. NMLS# 1325732

I can't do what I do every day with out the help of my team, I couldn't be happier to make this move with Lynn Keyes and Robert Stears.🥰

We are excited to announce the newest member of the Kind Lending team, Lynn Keyes, as our Mortgage Loan Officer Assistant. We are confident that Lynn's knowledge and dedication will help us provide exceptional service to our homebuyers and community. Please join us in welcoming her to the team!

I'm super excited to share that I have joined Kind Lending as a Branch Manager. I’m eager to continue offering the same great service to my amazing agent partners and clients. Together, we'll make dreams come true and ensure smooth, successful transactions. Let's achieve great things together! Currently in California, Florida, Arizona and a soon to be added state? Can you guess where we will be next?💼🏡

Warmest welcome to Jennifer Stears, our newest Branch Manager! We're thrilled to have you join the in New Smyrna Beach, FL! We can't wait to see all the great things Jennifer will achieve. Let's make some dreams come true together!

As a dedicated branch manager, I am committed to turning your homeownership dreams into reality. With a deep passion for guiding buyers through the mortgage process, I offer a personalized approach that ensures you secure the best loan tailored to your unique situation. My extensive experience and unwavering dedication mean you receive expert advice, seamless service, and the utmost care at every step. Trust in a partner who prioritizes your financial well-being and helps you navigate the complexities of mortgage lending with confidence and ease. Together, we'll find the perfect loan solution for your future home.

You, too, can experience the magic of coming home. Let's make your homeownership dreams a reality together. Reach out today to start your journey home!

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Loan Closed in Daytona 🏖 Beach!

Here’s to Manuel and his new slice of paradise in Daytona Beach! With solar panels gleaming, this home is a beacon of sustainability! Working with you was an absolute delight and we’re thrilled to be your go-to team for all things real estate! Welcome to Florida!

Huge kudos to Andrew Pallemaerts for his invaluable guidance and for making this journey seamless, cheers to another escrow in the books! 🙌

Loan Closed! 🙌 Here’s to new beginnings and sunny adventures!

Huge congratulations to Marilee and Mel on the purchase of their beautiful home in sunny Arizona! 🌵 We’re thrilled for you both and hope your new abode is filled with endless joy and cherished memories.

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Hey there! Exciting news – did you know that you may be eligible to put just 3% down on your new home? That means you don't have to take a big swing to really score! 🏡💪 Give me a call today and let's chat about your next play. I'm here to help you make your homeownership dreams come true! 😊📞

Only 9 days to clear to close on this amazing FHA refi success story! Our latest client is now enjoying $𝟰𝟴𝟮 𝗲𝘅𝘁𝗿𝗮 𝗲𝗮𝗰𝗵 𝗺𝗼𝗻𝘁𝗵 𝗮𝗳𝘁𝗲𝗿 𝘄𝗲 𝗹𝗼𝘄𝗲𝗿𝗲𝗱 𝘁𝗵𝗲𝗶𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝗮𝗻𝗱 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲! Big shoutout to Jennifer Stears Hillhurst Mortgage. NMLS # 1325732 on this! 🔥

If you closed an FHA or VA loan before July 2023, 𝘁𝗵𝗲𝗿𝗲’𝘀 𝗮 𝗰𝗵𝗮𝗻𝗰𝗲 𝗳𝗼𝗿 𝘀𝘂𝗯𝘀𝘁𝗮𝗻𝘁𝗶𝗮𝗹 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 awaiting you. Let HILLHURST MORTGAGE, INC. guide you through the path to financial relief – reach out today and start maximizing your mortgage benefits!

🏡✨ Are you a first-time homebuyer feeling a bit uncertain about the whole process? No worries—I'm here to be your guide and turn those dreams of homeownership into reality! 🤝💼 Let's embark on this exciting journey together. 🌟

🔍 Not sure about your eligibility or readiness to take the homeownership leap? 🤔🏠 Schedule a personalized consultation with me! 🗓️👩‍💼

During our session, we'll cover all the essential details to navigate the current real estate market or get you prepped for future opportunities. 📈💡 Whether it's deciphering your financial readiness, exploring mortgage options, or staying ahead of market trends – count on me to have you covered! 💰📊

Let's ensure you're well-prepared and confident for your homebuying journey! 🚀✨ Don't let uncertainty hold you back – take the first step toward your dream home. 🏠💙

Ready to kick things off? Drop a 🏡 in the comments or DM me to secure your consultation! 📩 Let's unlock the door to your new home together! 🗝️🌈

🏡 Get to Know Me: Your Mortgage Expert 🏡

Hey there! I'm Jennifer Stears, and I wear many hats in the world of mortgages. As a Loan Originator, Branch Manager, and COO at Hillhurst Mortgage, I'm passionate about helping you achieve your homeownership dreams. Let me share a bit more about who I am and what I can offer you:

🌴 Location: You can find me overseeing our physical locations in sunny Florida and beautiful California. I'm licensed to do business in these states, as well as Arizona.

💼 Experience: I've been in the mortgage business since 2001, so you can count on my expertise to guide you through the financial aspects of buying a home.

🏠 Your Home Financing Advocate: My primary goal is to provide you with all the information you need to make informed and confident decisions about your home financing. Whether you're looking to purchase a new home, refinance your current one, or invest in residential property, I'm here to ensure you have the best possible home loan experience.

🤝 Tailored Solutions: I understand that every individual's situation is unique. That's why I'm committed to working closely with you to choose the financing option that fits your specific needs. You can trust me to provide personalized solutions.

📑 Smooth Mortgage Process: From the moment you submit your application to the day you close on your home, I'm dedicated to making your mortgage journey as smooth as possible. Expect excellent customer service and prompt responses to your questions throughout the process.

🏡 Loan Expertise: I've assisted both first-time and experienced homebuyers with various types of loans, including:
- Conventional Loans
- FHA Loans
- Jumbo Financing
- VA Loans
- Down Payment Assistance
- Reverse Mortgages

🤗 Building Relationships: My personal goal is to create lasting relationships with each of my clients. I'm here to provide excellent service not just for today but for many years to come. Your financial well-being and home ownership satisfaction are my top priorities.

Feel free to reach out if you have any questions or if you're ready to take the next step towards achieving your home financing goals.

Searching for a home without a team can be an intimidating process. Explore the many ways independent brokers, on average, save borrowers $9,407 on their loan.

While Columbus may have discovered new lands, I'm here to assist you in discovering the perfect mortgage. Shall we embark on a journey toward homeownership together? ⛵🏠"

Celebrate National Hero Day with us by exploring all of the benefits that a VA loan can provide for veterans and their families.

Call to see if you qualify for lower interest rates today!

"Home is where your feet may wander, but your heart forever stays—and with the right mortgage, your wallet won't run away screaming either! 💕🏠💸

Our team is dedicated to helping you find more than just a house; we're here to make your dream home a reality while keeping your budget in harmony. Let's work together to discover the loan that makes your heart (and your finances) sing with joy." 🏡🎶💰

Halloween Home Decor Tips

This year, we’re creepin’ it real! Who’s ready to add a few Pumpkins to your home decor? They’re an eco-friendly way to decorate and you can even make delicious pumpkin seeds from them! Try painting them for some added fun!

Here are my favorite Halloween decorating tips to help you have the spookiest home in your neighborhood.

🔸 Choose a theme
You could go with an abandoned house theme which can be done with fake cobwebs, artificial insects, flickering lights or candles. Other themes could be a harvest, gory backdrop, murder scene, playful and kid-friendly horror

🔸 Lanterns
You can find themed lanterns of all shapes and sizes, including pumpkins, Jack Skellington, witch hats, or insects! Add a nice spooky touch without being excessive. An affordable decoration to find online or in local stores

🔸 Scary Doormats
You can find many different types of scary-themed doormats online, from witches’ faces to fake blood-designed ones. They will often not cost more than $20 and can be reused for years to come

🔸 Artificial Spiderwebs
Artificial spider webs are affordable and easy to find in any store! They can really add a discrete spooky factor to your home if you do not want to go over the top

I hope this guide has helped you get inspired for October!

Remember – be creative and embrace your crafty skills!

🏡💼 Mortgage Pro Tip: Nurture Your Credit Score, Guard Your Approval!

When seeking a mortgage, your credit score is pivotal. Lenders scrutinize it at the application stage and again prior to closing. Any significant negative shifts during this period could jeopardize your loan approval. Once pre-approved, maintaining credit stability is paramount. Avoid opening new accounts, adhere to payment schedules, and exercise prudence with credit card balances.

Remember, a sudden credit score nosedive (the unfavorable kind) can potentially disrupt your path to homeownership. Stay vigilant, and secure your approval with confidence. 📊💼🏠

🏡💔 Dear Renting, Let's break up! 💔🏡

It's time to say goodbye to those monthly payments and hello to homeownership! 🏠💕 No more landlord drama or feeling like your space isn't really yours. 🙅‍♂️💼

In your home, you'll have the freedom to decorate, renovate, and make memories without limits. 🎨🔨✨

Benefits of homeownership:

1. Build equity and wealth over time. 💰💪
2. Tax benefits and deductions. 📈💼
3. Stability and predictability in monthly costs. 📆💡
4. Invest in your future and create a legacy. 🏡🌳
5. Personalize your space to fit your style. 🛋️🖼️

Ready to start a new chapter? 📖 Let's make it official! 🤝🔑

🕰️ The past should remain in its place, serving as a source of lessons to be learned and insights to be gleaned, enabling one to progress.

⏩ Time relentlessly marches forward; are you keeping pace with it? ⏳✨

Dreaming of homeownership but feeling uncertain about the down payment? I’ve got you covered! It’s time to dive into the world of Down Payment Assistance Programs and discover how they can make your dreams come true.
Here are a few key points to keep in mind:

1️⃣ Financial Boost: Down Payment Assistance Programs provide financial aid, grants, or low-interest loans to help bridge the gap between your savings and the down payment required.

2️⃣ Eligibility Criteria: Each program has specific requirements, such as income limits, credit scores, and property location. Do your research and find the program that suits your needs.

3️⃣ Program Varieties: There’s a wide range of programs available, including state, local, and nonprofit options. Explore different programs to find the one that aligns with your circumstances.

4️⃣ Repayment Terms: Depending on the program, some assistance may be forgivable, while others may have repayment requirements over time. Understand the terms and conditions before making a decision.

So…Research, explore, and open doors to new possibilities. Your dream home awaits! 🏠💫

🏡🚀 Homeownership Dreams Await! 🚀🏡

🌟 Don't let your dreams linger in the "later" zone! 🌟

"Sometimes later becomes Never. Do it now." 💪

Are you tired of putting off your homeownership goals? 🤔 Well, it's time to take that leap and turn your dreams into reality! 🏡✨

📞 Call me today to kickstart your home owning journey! 🏠 Let's make your homeownership dreams a reality NOW! 🌈💼

With my expert guidance and a customized plan, you'll be unlocking your front door in no time. 🗝️✨

Ah, the eternal question: “Am I financially capable of affording a home?” Allow me to don my financial guru hat and serve you a slice of fiscally responsible wisdom, sprinkled with wit, of course.

🗝 First, my dear aspiring homeowner, do the math!
Calculate your income, expenses, and future avocado toast consumption. Ensure your debts aren’t throwing a wild party in the corner, and your credit score isn’t sulking in a time-out

🗝 Next, channel your inner squirrel and save, save, save!
Embrace the art of frugality (yes, that means skipping a few lattes) and watch your down payment fund flourish.

🗝 Finally, grab your calculator, sharpen your budgeting skills, and embark on the great homeownership adventure with confidence!
Remember that the real estate rollercoaster can be thrilling, but only if you’re strapped in with a solid financial plan

Have any questions? DM me and let’s chat. 😁

🌟✨ Embrace Every Moment and Craft Your Unique Story! ✨🌟

Life is an incredible adventure filled with experiences and choices that shape our unique stories. 📖✨

From the ups and downs to the crossroads we face, each moment adds a new chapter to the story of our lives. 🛤️🌠

So why not make the most of every twist and turn? 🤩 Embrace the highs and learn from the lows, for they all contribute to your extraordinary journey! 🌄

✨✨ Live in the now and savor every moment, for your story is still being written! 🖋️💫

Share your thoughts in the comments below. What's the most unforgettable moment in your story so far? 💬👇

🏡 Ready for a thrilling episode of Home Buying Bloopers? Today I am revealing the top financial faux pas in the home buying world! Grab your popcorn and let’s dive into the no-no’s of real estate finance! 🚫
🔸Mortgage Maxing: 📈💔 Getting approved for a massive mortgage feels like winning the lottery, right? But remember, just because you can borrow that much doesn’t mean you should. Leave room for life’s little surprises!

🔸Closing Cost Chaos: 💥 When it’s time to close, don’t get blindsided by closing costs! They can add up to 2-5% of the purchase price, so budget for them early! 🏦

🔸Neglecting the Nest Egg: 🥚💸 Sure, buying a home is a big financial step, but don’t forget to keep feeding your savings! You never know when you might need a rainy day fund. 🌧️🌂

So, homebuyers, avoid these missteps and your journey to your dream home will be less of a financial thriller and more of a feel-good flick!

Ever wondered why your credit score gets so much attention? Here’s why it’s the secret sauce that determines how spicy or mild your monthly payments are going to be!

1. The Gateway to More Loans:
Think of your credit score as a VIP pass. The higher it is, the more doors it opens to diverse loan options, giving you a better chance to nail down a mortgage with terms that won’t keep you up at night.

2. The Interest Rate Puppeteer:
Your credit score isn’t just fiddling around; it’s pulling the strings on your interest rates too! A stellar score can score you lower interest rates, translating to more manageable monthly payments.

3. The PMI Influencer:
If your down payment is under 20%, you’ll likely have to tango with Private Mortgage Insurance (PMI). But here’s the good news – a healthier credit score can lead to lower PMI rates, keeping your monthly payments from ballooning.

Remember, a tidy credit score can be a game-changer in the financial field!

DM me to see where your credit is at and how it will impact your mortgage!

Take a moment to slow down and appreciate the good things in life! Remember….Go forward in life with a twinkle in your eye and a smile on your face, but with a great and strong purpose in your heart!

"Hey Realtors and Home Buyers! 🏡✨ Your choice of mortgage broker can make or break a deal. We're thrilled to be consistent top 5 members on FindAMortgageBroker.com in our local area. This means personalized guidance, expertise, and tailored solutions that truly make a difference. From rates to paperwork, we're by your side, ensuring a smooth process from start to finish. Let's team up and turn those homeownership dreams into reality! 💪🔑

🏡 Thinking about buying your first home? 🏠

Before you start your house-hunting journey, remember this: Call me, your trusted mortgage broker, FIRST! 💼 Here's why: I'll help you get pre-approved for a mortgage, giving you a clear idea of your budget and saving you time and disappointment. 💰 Plus, my expertise ensures you get the best mortgage rates and terms. Once approved, I'll match you with top-notch realtors who understand your needs and preferences, making your home search a breeze! 🌟 From start to finish, I'll guide you through the process, providing personalized solutions for a smooth home buying experience.

📞 Don't wait – whether you're ready to buy now or a year from now, connect with me today and let's get started on this exciting journey together! 🤝

Buckle up, first-time homebuyers! I’ve got a quick Guide to get you ready for your dream home! 🏠🔑

Here are 4️⃣ tips to get you started:

🔸 Budget like a boss: Know your spending limits and stick to them!
🔸 Get pre-approved, not just pre-qualified: Show those sellers you’re the real deal!
🔸 Location, location, location: Find the perfect neighborhood for you and your family
🔸 Don’t be shy, ask questions: Keep communication open with your mortgage broker ( Hello 👋 ) and your real estate agent

Ready, set, home sweet home! 🏡💕

🏠🌟 Don't Wait, Secure Your Future Today! 🌟🏠

Renters, are you dreaming of owning your own home someday? 🏡💭 Take the first step towards making that dream a reality by starting the mortgage preapproval process TODAY, even if you feel you're not quite ready. 💪✨

This doesn't cost you anything, but you gain tremendously! 🎁💰 By initiating the mortgage preapproval process, you gain valuable insights into your financial standing, identify potential roadblocks, and get a clear picture of what's needed to achieve homeownership. 📊🔍

Imagine the freedom of having a place to call your own, building equity, and investing in your future! 🌈💸 Don't miss out on this opportunity – start your journey towards homeownership now! 🚀💫

Why wait? 🤷‍♂️ Building a solid credit history and preparing your finances takes time, so take advantage of this no-cost, high-reward step today! 🏆🔑

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! 🏡💰💪