Bob Camp , Licensed Loan Officer- Movement Mortgage - NMLS 31920

Freddie Mac We are committed to providing liquidity, stability and affordability to the housing market.

call, text, or email me with any questions! My Cell 585-820-8935 Bob

http://www.movement.com/Robert.Camp

Great show this weekend! Come in from the rain and find great deals! The show starts at 10 AM this coming Sunday at the JCC Rochester. 1200 Edgewood Ave. We are there until 2 PM, with a free gift at noon.

Lacking a credit history, or being credit "invisible", may hinder your chances of securing a loan or buying a home. Don't ghost on your credit — learn how to build your credit so you can unlock more financial opportunities.
https://myhome.freddiemac.com/blog/financial-education/20210730-building-credit-history

Need a go-to guide for seller concessions and contribution limits? We have you covered https://movement.com/blog/2024/03/seller-concessions-guide . Find out what you need to know about seller concessions for conventional, FHA, VA and USDA loans.
*Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs, Federal Housing Administration, USDA or any government agency.

http://www.movement.com/Robert.Camp

Perhaps money is tight or you are ready for home improvements. A refinance may be the solution for freeing up capital and it can be a fiscally smart choice in several scenarios.

http://www.movement.com/Robert.Camp

Hi--take a peek at this property, off market for now....200 Rosewood Terr Rochester, NY 14609.
Call Ethan at 803-669-2673 for details

Hi. Any agents in the Lockport area that work with renters? I have someone that needs some help.
Dm and thank you! 😃

Attention Investors! No tax returns, w2's or paystubs needed!

What Is the Debt-Service Coverage Ratio (DSCR)?
The debt-service coverage ratio (DSCR) measures a properties cash flow to pay current debt obligations. The DSCR shows investors and lenders whether a person or company has enough income to pay its debts. The ratio is calculated by dividing net operating income by debt service, including principal and interest.

While some had expectations for mid-year rate cuts, the Fed’s stance indicates there may not be adjustments until later in the year. Get the details behind this and more in our latest market update.

https://movement.com/blog/2024/02/a-resilient-economy-rate-cut-expectations

Open house tomorrw from noon til 2pm!
Check it out!

546 Flower City Park Rochester NY 14615 OPEN HOUSE SATURDAY 02/17 12pm - 2pm and SUNDAY 2/18 12pm-2pm! WELCOME HOME! NEW NEW NEW This BEAUTIFULLY RENOVATED HOME left no stone unturned! This new home boasts a fully enclosed front porch, new doors, new windows throughout, CHIC LUXURY VINYL TILE, and SPACIOUS BRAND NEW KITCHEN PERFECT FOR EN...

Happy Valentine’s Day!

Whether you're planning a romantic date, spending time with your loved ones or scheduling some self-care, I wanted to share a Valentine’s card with you — no shoebox required. 💌

Just like you can prepare for running a marathon, you can prepare for your mortgage, too! ⁣
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If you’re thinking of buying a home soon, but aren't sure your credit score is ready, you can actually start monitoring it now. By taking the time to do some research, start saving and prioritizing paying your bills on time, you can push yourself (and your credit score) closer to homeownership! 🥳 ⁣
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Need advice on how to get yourself ready for a mortgage? Reach out to a Movement loan officer today for help! (You got this! ❤️)

Trying to time the market? Recent data suggests that as rates have fallen, home prices in many markets have increased. Find out what you need to know about limited housing inventory and upcoming economic reports in this week’s Market Update.

https://movement.com/blog/2024/02/are-lower-rates-fueling-home-price-increases

Want to hear a secret? 🤫⁣
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The best time to buy is when YOU are ready to buy!⁣
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There’s no special formula to figure out when the market is going to be just right, and THAT’S OK because it’s not a one-size-fits-all situation. It doesn’t matter if your neighbor, cousin or best friend is ready to become a homeowner; it matters if YOU are!
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When you’re ready to take that first step, reach out to a Movement loan officer and start your journey to homeownership! 🤩

Another strong jobs report has made a March rate cut even less likely. But, if the Fed is going to cut rates this year, economists believe they have a limited window to act. Find out how a strong economy and an upcoming election are having an effect on when we may see a rate cut.

Full story: https://movement.com/blog/2024/02/strong-jobs-report-delays-rate-relief

Retirement on your radar?
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You might want to consider a reverse mortgage! Reverse mortgages allow qualified borrowers to tap into their home’s equity so that they can move closer to family, downsize for less maintenance or even upsize to that dream home. 🤩 ⁣
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PLUS, with a Home Equity Conversion Mortgage (HECM) for Purchase, qualified borrowers can buy a new home and get a reverse mortgage, all in ONE transaction! 😮⁣
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If this sounds like the right plan for you, contact a Movement loan officer today!

Refi questions? 585-820-8935 Feel free to text or call.

Bob Camp on LinkedIn: #movementmortgage You’ve probably heard about refinancing, but how do you know if it’s the right time? It’s important to consider things like the type of loan you have, how…

Many economists believed we would see a rate drop in March, but is a June rate cut now the most likely outcome? Dive into this week’s Market Update to see why an economic “soft landing” could keep rates higher for longer.

https://movement.com/blog/2024/01/a-healthy-economy-may-delay-rate-cuts

Want to make your first payments more attainable? 😅⁣
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Movement offers 3/2/1, 2/1 and 1/0 buydown options to help lock in that lower rate for the duration of the buydown term, which can help make your payments more manageable up front! (It’s like slowly getting into the pool instead of doing a cannonball. 🌊)⁣. Then the full rate will return for the remainder of the years.

Reach out today to learn more!

Is the economy as strong as recent data suggests? See the Fed’s latest statement, navigate the confusing signals and understand what's shaping interest rates in 2024 in this week’s Market Update.

📄: https://movement.com/blog/2024/01/fed-mixed-signals-rate-cute-timing

This may seem like a no-brainer… 🤔
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But really, paying your bills on time can help keep your credit score in good shape. Even small missed payments can affect your score, especially with those pesky late fees. PLUS, keeping up with these payments can help let your lender know you’re responsible. 😉
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Contact a loan officer today to learn more about how to keep your credit score in solid shape!

Will future rate cuts be delayed? The December CPI data may throw cold cold water on some economists' early easing hopes. While the markets react and try to predict the Fed’s next move, you can dive into the details in this week's market update.

https://movement.com/blog/2024/01/december-inflation-higher-than-expected

Not sure about buying a fixer-upper? ⁣
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If you’re looking to avoid the unknowns that can come with buying an older home, new construction might be right for you. PLUS, this can allow you to add a personal touch to your new home! (AKA that unique closet design or spacious bonus room 😮).⁣
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Reach out to a Movement loan officer today if you’re ready to dive into new construction. 👷

Some economists are buzzing about a potential Fed rate cut in March, but is it wishful thinking or the real deal? Dive into the latest Market Update to see what's fueling the optimism, and learn what factors may delay a rate drop.

https://movement.com/blog/2024/01/when-will-we-see-the-first-rate-cut-of-2024

HAPPY NEW YEAR!

It’s hard to believe it’s already 2024. (I JUST got used to writing “2023”.) But a new year means new goals, adventures and fun memories are on the horizon! Whether you’re hoping to reset your workout routine, tackle your travel bucket list or just get through the year in one piece, I hope it’s filled with joy, delight and remembering that it’s 20-TWENTY-FOUR.

There’s truly no place like home for the holidays. Decorating the Christmas tree, ugly sweater parties and cookie exchanges, binge-watching your favorite Christmas movies with mugs full of hot chocolate…the cozy moments you share at home with family and friends are what make this holiday so special.

No matter where home is for you, I hope that you'll be home for Christmas, even if only in your dreams. Merry Christmas!