Matthew Cole at West Shore Mortgage
West Shore Mortgage
Husband and Father to 6 Awesome Kids. Top 1% Purchase Mortgage Loan Originator
Experience, efficiency, and appraisals — these are three big reasons why many people choose us as their preferred lender, and in this episode of Mortgage Minutes we'll be discussing each one in more detail. 🏠
Watch this video to learn more about how we operate, and get in touch with our team today with any of your mortgage questions OR to get started on your next loan. Give us a call at (530) 682-4092 or apply online using the link below. 📲
https://www.ilendsac.com/
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02/14/2022
How long do you plan on living in your first home before moving onto the next one? 🏠➡️ Let us know in the comments below! 💬
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02/11/2022
The BIG reason why you should start the home buying process with a pre-approval is so you know what you can afford! 🏠
You want don't to find your dream home only to discover it's not in the budget, and a pre-approval letter will prevent this from happening. Add the amount you're pre-approved for to what you have saved for the down payment, and you'll know the maximum price you can pay. 💰
Apply with us online via our website (link below), or get started over the phone by calling (916) 682-4092. 📲
https://www.ilendsac.com/
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02/09/2022
Scenes from our most recent Lunch and Learn at the office, where we're helping to educate realtors on what goes into the lending side of a real estate transaction. 🏠
Comment below what you want to learn about mortgages/lending at the next event! 👇
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Sometimes you have to get creative when coming up with your down payment, and one of our favorite tools to utilize in this situation involves borrowing against your 401k. 💰 There are a few reasons for this:
🔹 You are borrowing from yourself.
🔹 You can typically borrow up to $50,000.
🔹 The interest you pay will be reinvested back into your 401k.
In this episode of Mortgage Minutes we'll be discussing each of these reasons more in depth, and will dive into how to borrow money from your 401k to put towards a down payment on your next home. 🏠
If you have questions about down payments or anything else related to mortgages, get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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02/04/2022
According to Redfin, the cost of rent is up 14% nationwide — the biggest jump in more than two years, and it’s estimated that we'll see rent increase another 7% or so in 2022! 📈
Protect yourself against these uncontrollable rent hikes, and purchase a home with a fixed-rate mortgage. 🏠 It's the most ironclad way to lock in a monthly payment you're comfortable with, and you can rest assured knowing that your living expenses won't increase over time. 🔐
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When holding an open house, you have the opportunity to build excitement, meet multiple prospects, and please the seller, but what if nobody makes an offer? Is the open house automatically a failure? No way! 🏠
Although you won't always sell the property at an open house, you still have the opportunity to sell yourself to the foot traffic that comes through the door. 🤝 Check out this video for some ways to differentiate yourself from other agents at an open house, and follow these tips to convert open house "lookers" into future clients. 📈
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As a real estate agent, it is important to constantly work on expanding your network. 🤝 Social media can be a great way to do this, as it provides an easy way to connect with potential clients and other professionals in the industry.
In this video from our recent Lunch & Learn with Big Block Realty, we'll dive deeper into this and share our tips on some of the best ways to use social media to build more connections in the real estate industry. 🏠
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01/28/2022
Because realtors and lenders work so closely together, it's important to have an understanding of how one another operates — which is why we started our Lunch and Learn seminars. 🤝
Through Lunch and Learn, we're able to come together with your team and share insight on what goes into the lending side of a real estate transaction, offering more information to better help your clients have a successful home buying experience. 🏠✅
Who wants to be at the next Lunch and Learn? Let us know in the comments below! 👇
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01/24/2022
When you're buying a new home, your monthly mortgage payment is one of the most important things to consider — but what factors go into calculating that payment? 🤔
Swipe 👈 for three variables that can affect how much you'll pay each month, and be sure to keep them in mind when you get ready to make your next home purchase! 🏠
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How can you qualify for a loan with low income? Why is it important to move quick when buying a home? What's going to happen to the housing market in 2022? 🏠
Get these questions (and more) answered in this video from our recent segment on and joined by Marisa Monahan, and if you have any mortgage related questions or want to know about getting started on your pre-approval, reach out to our team today. Click the "Contact" button in our bio, and let us help you find a great fitting loan for your next home purchase! 📲
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So far, interest rates are all the talk of 2022. 📣 You may have heard the news that interest rates will be rising this year, and right now they're changing so rapidly that it's had an effect on the qualification status for some people who were pre-approved months ago.
In this episode of Mortgage Minutes we'll be sharing our thoughts on what to expect from interest rates moving forward, and what this means for home buyers in 2022 and beyond. 🏠 📈
If you have questions about interest rates and how these changes may affect your loan, get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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01/17/2022
Are you thinking of buying a home in 2022? If so, now is a good time to start planning and learning about the different benefits of home ownership that you just can't get from renting. 🏠
Swipe 👈 for three important ones, and read about three reasons why you should consider buying a home sooner rather than later.
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01/14/2022
Whether we're answering questions for homebuyers on the mortgage process, or giving realtors more insight into how things operate on the lending side of a real estate transaction, we believe education is a crucial component to any successful venture into real estate. 🏠
With that said, we're always looking to connect with and help as many realtors as possible, and we'd love to talk to you about how we can fund your buyers' next home purchase. 💰 Get in touch with us by calling (530) 682-4092, leave us a comment below, or message us to get connected! 📲
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01/12/2022
It can feel like you're stuck in a mortgage quagmire when interest rates start to creep back up. 📈 You don't want to miss out on historically low interest rates, but at the same time you don't want to lock yourself into an unaffordable payment for years to come. So what do you do? Is it too late to refinance? 🏠
Ultimately, the answer depends on your individual circumstance, but our team can help you run the numbers and offer some insight on what the right move might be. Give us a call at (530) 682-4092 and get in touch with us to explore whether refinancing is still an option for you! 📲
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Are you expecting a tax refund this year? If so, how should you use it? 💰🤔
There are many different ways to put your refund to work, and in this episode of Mortgage Minutes we'll share some tips on how to make the most of your money this year, especially as it relates to buying a home. 🏠
Have any questions about putting your tax refund towards your next home purchase? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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01/07/2022
Did you know that there is a direct correlation between homeownership and credit score? 🏠
In fact, it's fair to say that the longer you own your home, the more likely it is that your credit score will improve. There are several reasons for this, but one of the most important has to do with your ability to pay down the mortgage on time, which technically is a form of debt. 💰 If you are able to consistently keep up with your mortgage payments, it shows that you're a responsible borrower, which can result in a positive impact on your credit score. 📈
Delegating is an important part of any successful business and can be difficult for many people to do. At the end of the day though, there are some things better off just left to the professionals.
In this episode of Mortgage Minutes, we'll be sharing a few key people you should have on your team and how they can be vital to helping you further the growth of your business and stay protected along the way. 📈
Have any questions about who to have on your team? Get in touch with us today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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01/03/2022
If you're looking to buy a new home in 2022, then you're probably starting to think about mortgages. 🏠🤔By understanding these 3 terms — LTV, DTI, and CTC — you will be in a better position to make an informed decision about your mortgage. Swipe 👈 to learn more about each of these terms, and what they can mean for you when you go to buy a home!
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12/31/2021
When considering a home purchase, it's important to factor in all the associated costs (of which there can be many), with one such cost being the mortgage. Mortgage rates are still incredibly low, and loan limits have just been increased for 2022, so now is a great time to buy a home — but how do you go about finding the right lender? 🤔
While there are many factors to take into consideration, including interest rate, fees, and customer service, here are four distinct qualities you should look for when considering working with a lender. 🔍
If you have any questions about finding the right lender, or want to know about getting started on your pre-approval, don't hesitate to get in touch with our team. Give us a call at (530) 682-4092 and let us help you find a great fitting loan for your next home purchase! 🏠
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Are you one of the millions of Americans who will be receiving a tax refund in 2022? 💰 If so, you may be wondering how best to put that money to work. If you're looking to buy a new home then it's easy, and in this video with Omar Carrasco, we'll be sharing a few ways you can utilize your tax refund when in the process of buying a home. 🏠
Have any questions regarding your next home purchase? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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Interest rates and annual percentage rates (APR) are two commonly conflated terms that refer to similar concepts but have some subtle differences. ⚖️ When evaluating the cost of a loan, it's important to understand the difference between the advertised interest rate and the APR, which includes any additional costs or fees. 💰
In this episode of Mortgage Minutes, we'll break down the key differences between the interest rate and APR, and what they can mean for you when you go to get a loan.
Have any questions regarding the interest rate on your loan? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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Wishing you all a Merry Christmas from your friends at West Shore Mortgage! We hope everyone has an amazing holiday filled with joy and love. 🎄🎁
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The best piece of advice we can give for when you finally get your offer approved and go under contract: Avoid making large purchases at all costs! ⚠️
This is especially true if you plan on financing that large purchase with a credit card. 💳 Doing so can potentially be a huge detriment to your loan, and in this episode of Mortgage Minutes we'll discuss in-depth why this is, and will offer some advice as to how you should go about making any sort of substantial purchases when in the process of getting approved for a mortgage loan. 🏠
Have any questions about making purchases when under contract? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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12/20/2021
While homeownership can come with a plethora of different perks, some of our favorites come in the form of financial benefits. 🏠💰 Keep reading to learn about some of our favorites! 👇
1️⃣ A mortgage is one of the most affordable ways to borrow money that you will ever encounter, especially when compared to other means of borrowing like interest rates on credit cards.
2️⃣ Your home can be looked at as somewhat of a piggy bank. A percentage of each mortgage payment you make goes towards paying down the loan principal, which over time, results in you building more equity. This percentage increases each month while the percentage of your payment going towards interest decreases.
3️⃣ Two words: fixed payments. By becoming a homeowner and having your monthly payments go toward a fixed-rate mortgage instead of rent, you are no longer subject to rent increases and can rest assured that your monthly payments will not change for the duration of the mortgage, which in most cases is 30 years.
Can you think of any other benefits to having a mortgage? Let us know in the comments below! 💬
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Whether your plan is to buy or sell in 2022, you'll want to be equipped with the most amount of information possible going into it, and this video from our most recent segment on ABC 10 is a great place to start.
In this video, you'll hear Matthew Cole and Katie Simpson from House Real Estate touch on a wide range of topics like the difference between getting pre-qualified versus pre-approved, special loans for self-employed individuals, the value of hiring a realtor when selling your home, and more.
If you have any mortgage related questions after watching this video, or want to know about getting started on your pre-approval, don't hesitate to get in touch with our team. Give us a call at (916) 682 - 4092 and let us help you find a great fitting loan for your next home purchase! 📲
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These days, homebuyers have a number of different financing options available to them, including second mortgages and home equity lines of credit (HELOCs). 💰 Both of these options allow you to borrow money against the value of your home, but they work differently, and with that comes different pros and cons. ⚖️
In this episode of Mortgage Minutes, we'll be taking a closer look at the key differences between these two options, and will lay out some circumstances where you would use one over the other. 🏠
Have any questions on second mortgages or HELOC's? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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12/13/2021
With the holidays upon us, and the new year approaching quickly, it's time to start thinking about your home buying goals and to-do's for 2022. 🏠
On that list, ideally at the top, be sure to include getting pre-approved with a lender. With that initial step out of the way, you'll have established some good momentum towards reaching your homeownership goals, and can hit the ground running knowing what price range you should be looking in when shopping around.
Apply with us online via our website (link below), or get started with us over the phone by calling us at (530) 682-4092. 📲
https://linktr.ee/westshoremortgage
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There are obviously many things to think about and prepare for when buying a home, but the most important one is getting your finances in order before you start shopping around. 🏠 One big decision that is often overlooked during this time is whether or not to cancel your credit card, which is something we advise against. 💳🙅
Canceling your credit card can actually have a negative impact on your credit score, and can potentially jeopardize your ability to get approved for financing when it comes time to close on the home. In this episode of Mortgage Minutes, we'll be discussing this topic more in depth, and will detail various reasons why cancelling your credit card is a bad idea.
Have any questions on credit cards or your credit score? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
Around this time of year, Fannie Mae and Freddie Mac release their new loan limitations for the upcoming year, and it looks like the limits for 2022 will rise by the largest percentage ever recorded, which is great news for home buyers! 📈
Going into 2022, the new limit for a conventional loan is jumping up to $647,200, and the limit for a high balance conventional loan will be at $675,000, both of which are huge increases from this year’s limit of $548,250. In this episode of Mortgage Minutes, we'll be talking more in depth about this news, and will get into how exactly this can benefit home buyers. 🏠👍
Have more questions about loan limits, or about getting a loan in general? Get in touch with our team today to get some answers, and be sure to pass this video along to someone who could benefit from it! 💬
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Matthew Cole is one of the top loan officers in the country - and ready to help you!
United Wholesale Lending helps individuals obtain mortgage financing for a new home purchase or refinance an existing home loan. Matthew Cole is a top 1% lender in the United States with $100 million+ in closed loan volume in 2016 and again in 2017. He lives and work in the Sacramento, CA area, helping home buyers obtain great new purchase loans and homeowners refinance to save money. Contact him any time at 530-682-4092 or [email protected]!
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2600 Fair Oaks Boulevard Suite 105
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