Mortgage Loan Originator Sean Martin NMLS # 1421835

Tired of renting, but not quite ready for a house? A condo could be perfect for you! Ease into ownership while keeping maintenance to a minimum. DM us to explore your options today!

Did you know that you can still buy a home, even if you don't have the money for a down payment? Call me today to learn about gift funds!

Real Estate Agents: There are a dozen reasons why you should partner with me when your buyers are searching for a home: from closing your buyers’ loans in 20 days or less to shopping around for the better rates with just one application and credit pull. Give me a call today!

No need to worry about sifting through that pile of papers. Working with us means submitting your documents electronically! Save yourself the time and stress. Submit your application/documents with this secured link: https://1l.ink/XJ8XMHC

Nothing is worse than awkwardly waiting around the closing table for the wire transfer. Working with us means signing the docs and instantly getting those keys in your hand. Call us today!

You don't always need a co-signer to purchase a home! If your credit stands on its own, you can qualify to be the sole name on the mortgage. Call today to learn more.

The homebuying process can be stressful, and banks don't always put your interests first. Working with a mortgage broker means working with someone who ensures you're taken care of every step of the way. Call today for loan options. (951) 454-2176

Being your own boss comes with a lot of benefits, even when buying a home. Call/Text us today to learn about our Bank Statement loans!

Did you know that working with an independent mortgage broker could save you up to $9,407* on your loan? Call us today.

False! We have multiple loan programs that require only 3% down! Call today to learn more.

In today’s market, you want to make sure you utilize the power of contingencies! Inspection, and appraisal contingencies ensure you make informed decisions and avoid overpaying.

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Questions to ask your lender:

Always ask questions of your potential mortgage lender before you commit to a loan.

Continue shopping for the right loan until you find a mortgage broker or lender you feel comfortable with.

Keep in mind, too, that the more your lender knows about you, the better advice, assistance, and accurate information they can give you. Don’t hesitate to share your personal information, including permitting the lender to run your credit report.

Here are 2 important questions you should always ask your lender:

✔️ Are you doing a hard credit check on me today?
A hard inquiry from a lender can cause your credit score to drop by just a few points.
✔️ Do you charge for an interest rate lock?

When you lock the interest rate, you’re protected from rate increases due to market conditions. If rates go down prior to your loan closing and you want to take advantage of a lower rate, you may be able to pay a fee and relock at the lower interest rate. This is called “repricing” your loan.

Don’t make any big purchases 3 to 6 months before buying home

It’s not wise to make any big purchases or move your money around three to six months before buying a new home.

🔸Avoid any shifts in your credit profile
🔸Lenders need to see that you’re reliable and they want a complete paper trail so that they can get you the best loan possible.
🔸If you open new credit cards, amass too much debt or buy a lot of big-ticket items, you’re going to have a hard time getting a loan.

Bottom line: Save money and money will save you

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Pre-Approval Checklist

Set yourself up for home buying success and get pre-approved for your mortgage!

So…What will you need to submit to your lender for a smooth Pre-Approval?

✔️Driver’s License & SSN
✔️One Month of Paystubs
✔️Two Years of W-2’s and/or Tax Returns
✔️P&L (if self-employed)
✔️Two Months of Bank Statements

**More documents may be needed depending on your situation.

By getting Pre-Approved, you improve your buying credibility and speed up the closing process. Talk about a win-win!

Let your unique awesomeness and positive energy inspire confidence in others.

Remember….Accept what is, let go of what was, and have faith in what will be!

Does your credit score affect mortgage approval?

There are several factors that lenders look at that affect your ability to get a mortgage. Your credit score being an important one.

Here’s a breakdown of credit scores and how likely you would be to get approved for a mortgage for each.

🔸740–850: Excellent credit – easy credit approvals and the best interest rates.
🔸670–740: Good credit – typically approved and offered good interest rates.
🔸620–670: Acceptable credit – typically approved at higher interest rates.
🔸580–620: Subprime credit – It’s possible to get a mortgage, but not guaranteed. Terms will probably be unfavorable.
🔸300–580: Poor credit – little to no chance of getting a mortgage, you will have to take steps to improve your credit score before being approved.

There are always case-by-case scenarios, so don’t let your credit score discourage you from buying a home. Work with your mortgage broker (Me😊) on a realistic game plan to ensure you’re making the best choice for your unique situation.

Groundhog Day may bring predictions of an early spring, but with the right mortgage loan, your new home can be a sure thing all year round.

One month down, eleven more to go, and a whole lot of opportunity ahead! What are you most looking forward to this month?

Did you Know…. 50% of buyers find their new home online? The Internet plays a huge role in the world of real estate nowadays. Almost every buyer starts their research online. It’s the world we live in!

You’re likely familiar with your credit score and how that impacts your ability to take out a loan, but do you know how it’s calculated or what factors are taken into account when calculating it?

Hint: it’s not just about making your credit card payments on time.

Here are 5 factors that affect your credit score, and how much of an impact each one makes.

🔸 Your payment history
(Think payments made on time versus late, paying your credit card bill in full each cycle) This contributes to 35% of your credit score

🔸 Amounts owed
(Wow much of your available credit you’ve used) This makes up 30% of your credit score

🔸 Length of credit history
(How long you’ve been building your credit; the longer, the better) This factors into 15% of your credit score

🔸 Your credit mix
(The different types of credit; credit cards, auto loan, etc.)This is 10% of your credit score

🔸 New credit
(Think opening up a new credit card; this can essentially lower the average length of your credit history but can also be more of a positive thing in the long run) This accounts for 10% of your credit score

For more tips, hit like, save, and follow!

Shopping for a home may be exciting and fun, but serious homebuyers need to start the process in a lender’s office, not at an open house.
Most sellers expect buyers to have a pre-approval letter and will be more willing to negotiate with those who prove that they can obtain financing.

Here’s what to look for in a pre-approval letter:

🔸 Loan amount:
This is the maximum you can borrow.

🔸 Status date & expiration date:
How long the pre-approval letter is valid for (most are 90 days from when credit is run)

🔸 Mortgage type:
What type of loan were you approved for? FHA, VA, USDA, Conventional.

🔸Terms and conditions:
The length of the loan and any document and funding requirements.

Credentials and experience that produce results are hard to come by these days. Remember… When you’re navigating a market like today’s current market, who you work with matters!

Let’s discuss your mortgage needs. Shoot me a DM today 😊

Happy New Year to the new homeowners! This couple was able to secure their first home in the $400s with ONLY $12k out pocket!

Most programs out there like this would have capped them in the mid $300s but we were able to provide this program to strengthen their buying power by 10%!

Feel free to reach out if you would like more information on this program to see if it will help you qualify for the home you want.

Is your buyer looking to decouple their monthly payment from their taxes and insurance? They may be eligible for an escrow waiver, potentially saving thousands at closing and with no waiver fee! Reach out to see if they qualify today!

Look no further! Call today.

If you’re looking to secure a better rate without extending your term, flex refinancing could be the option for you! Call today for more info.

You could be eligible to lock in an interest rate before you put an offer on a home. Call today to see how!

Come in today for excellent communication, competitive rates, easy applications and fast closings.