Atousa and Brian- Loan Officers powered by Full Circle Funding

🏠 Discover the benefits of a Reverse Mortgage Loan! 💰 With no monthly payments required, it's a smart way to tap into your home's equity. Available for homeowners aged 62+. Contact us today to learn more or start your application process! 📞💼
*Disclosure: These materials are not from HUD or FHA and were not approved by HUD or a government agency.

🏢 Expanding your business? Let us help you secure the space you need with a Commercial Loan! 💼 As your company grows, having the right workspace is crucial. Our team is here to support you every step of the way. Contact us today to learn more about our commercial loan offerings. Our team is ready to answer your questions and guide you through the application process. 🌟

🏠 With home values soaring, it's more than just a market trend – it's an opportunity! 📈 Now is the perfect time to tap into your home equity and put it to good use. 💰 Among the top 20 largest housing markets, San Diego leads the charge with an impressive 11.4% increase, showcasing the potential in today's market. Whether you're considering renovations, debt consolidation, or investing in your future, your home's increased value can be a powerful asset. 🔑 Let's explore how you can leverage this equity wisely. Contact us today to discuss your options and make the most of this exciting time in the housing market! 🏡💼

🏡 Dreaming of that perfect home? 🌟 Don't let the latest news from the Federal Reserve discourage you! While interest rates remain steady, there are still plenty of options to explore. 💡 Call us today to discover how we can tailor a mortgage solution to fit your budget and make your dream home a reality! 📞💼

Are you a self-employed individual or have non-traditional income sources? Our alternative mortgage options provide flexible financing solutions tailored to your unique financial situation. Say goodbye to income verification hassles and hello to homeownership with FCF Mortgage. Contact us to learn more about our alternative mortgage products!

🏡 Housing Affordability Update: According to Redfin, average housing costs have surged beyond median U.S. incomes. To afford a home at the median price, potential buyers would need an annual income of $113,520—35% higher than the current average household income of $84,072. As of February 2024, the median sales price stands at $412,778. It's been two years since the average household earned enough to afford the median home. Are you concerned about housing affordability? Let's discuss your options. Contact us today. 🌟

🏡 San Diego homeowners, important news! State Farm is not renewing policies for thousands of homes and apartments across California, affecting around 72,000 properties starting this summer. Rancho Santa Fe will see over 600 policies not renewed, with many other San Diego communities affected.

Need guidance on your home insurance options? Don't hesitate to reach out to FCF Mortgage. Our team is here to help navigate these changes and ensure you have the coverage you need. Call us today for assistance. 🏠🔍📞

🏠 Stay Informed: California Mortgage Rate Trends 📈
Discover the latest trends in California's mortgage rates! Over the past two years, rates followed a national pattern, remaining stable until mid-2018, then surging before gradually declining to current lows. Today, 30-year fixed-rate loans hover just above 3%, down from about 4.25% in May 2018. Contact FCF Mortgage to explore your options and secure the best rates for your home financing needs. 🌟 🏠

Exciting news! The Dream For All program is now open for applications, providing up to $150,000 in down payment assistance. Eligibility requirements include residency in California, being a first-time homebuyer, and more. Ready to take the next step? Call FCF Mortgage to get started!

🏡 USDA Loans: Unlock Homeownership with Zero Down! 🌾
Dreaming of a home in rural or suburban areas? 🏡 USDA loans, a zero-down-payment mortgage, could be your key! Guaranteed by the USDA, these loans often have lower rates than conventional mortgages. No down payment? No problem! Plus, no traditional PMI required.
✅ To qualify, meet income limits, be a U.S. citizen, have dependable income, and meet credit history criteria. ✅ Monthly payment must be 29% or less of your income, and other monthly debt payments cannot exceed 41% of your income.
Ways to secure the best USDA mortgage rates: 1️⃣ Ensure your financials are in top shape. Check and correct errors in your credit reports. 2️⃣ While USDA loans don't require a down payment, making one can improve your rate offers. 3️⃣ Compare rates from at least three USDA lenders to find the best deal.
Questions about USDA loans? Ask away! 🌟🏡

🏡 Exciting News for Homebuyers! 📈🏠
Despite challenging conditions with high mortgage rates and pricey housing, the U.S. Census brings a beacon of hope! 🌟 New home sales surged by 1.8% in January compared to last year, marking the sale of an estimated 661,000 single-family homes. 📊🏡
Even in a market where existing-home sales dipped, our optimism grows as new home sales paint a different picture. 🖼️🏠 The monthly data reveals a 1.5% climb from December.
While mortgage rates sit at 6.9%, a slight rise from last year, new homebuyers are seizing opportunities, possibly driven by the urgency to secure homes amidst the ongoing challenges. 📈💼
Don't let the market nuances hold you back! Explore your home buying possibilities today. 💻🔑

🏡💡 5 Must-Avoids Before Your Home Loan Application! 💰✨

1️⃣ No New Loans or Big Buys: Preserve your debt-to-income ratio.

2️⃣ Mind Your Credit Cards: Keep balances under 30%, and don't close cards.

3️⃣ Job Stability Matters: Lenders prefer a steady employment history.

4️⃣ Deposit Rules: Document large deposits, especially for down payments.

5️⃣ Timely Payments: Maintain a strong credit score—vital for lenders.

🚀 Seeking a mortgage? Connect with an expert for stress-free guidance! 🤝🏠

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🏡 Unlock the door to your dream home with FCF Mortgage! 💰💼⁠
In a high-rate environment, securing a below-average mortgage rate is crucial. 📉 Our experts suggest five savvy ways to get the best rate:⁠
Consider an adjustable-rate mortgage (ARM): Opt for ARMs in high-rate environments for lower initial rates and future refinancing opportunities.⁠
Pick a shorter loan term: Choose a 15 or 10-year term for lower interest rates and reduced overall interest payments.⁠
Buy down your mortgage rate: Invest in points to lower your rate—ideal if rates aren't expected to decline soon.⁠
Refinance your mortgage: Refinancing can be an excellent strategy if it results in substantial monthly savings. Check if it makes sense for you.⁠
Improve your financials: Enhance your financial profile by increasing income, paying down debts, and boosting your credit score.⁠
Your dream home is within reach! 🏠 Start by discovering the mortgage rate you could qualify for today. 💻💼

🏡💸 Unlock the Power of Your VA Home Loan Beyond Home Buying! 🇺🇸✨
Did you know your VA home loan benefit is not just for buying homes? It's a game-changer for refinancing too!
✅ VA Streamline Refinance (IRRRL): Drop your rate and payment without the hassle of appraisals, paystubs, W2s, or bank statements. A faster, cheaper way to access lower refinance rates!
✅ VA Cash-Out Loan: Even if you don't have a VA loan currently, tap into your home's equity! Get up to 100% of your home's value at closing. Use the cash for home improvements, tuition, a new car, or more!
✅ Refinance Without Taking Cash Out: Say goodbye to mortgage insurance and undesirable loan characteristics. Use your VA loan to pay off non-VA loans, secure a stable fixed-rate, or simply make homeownership more affordable.

Ready to achieve multiple goals with one smart move? Learn more or call us today!

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🏗️✨ Unraveling the Mystery of Construction Loans! 🏡💰
Curious about what a construction loan covers? 🤔 Here's the inside scoop! 🚧

🌿 Land: Secure the perfect plot for your dream project.
📐 Plans, Permits, and Fees: Ensure your vision becomes a reality with the necessary paperwork and approvals.
🛠️ Labor and Materials: From foundation to finishing touches, fund the manpower and resources needed.
💼 Contingency Reserves: Because surprises happen! Cover unexpected costs and keep your project on track.

Every construction project is unique, but a construction loan has you covered from the ground up! 🌟 Ready to build your dream? Learn more or reach out to us today!

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📑✨ Mortgage Ready? Here's your checklist:
👉 Recent Pay Stubs
👉 W-2 Forms (past 2 years)

For self-employed:
📊 YTD Profit & Loss
📑 Unpaid Receivables
📅 1099 Forms (past 2 years)

Financial overview:
💳 Bank Statements
📈 Investment Statements (401(k), IRA, CDs, Brokerage)
💼 Down Payment Gift Letters (if applicable)
💔 Alimony & Child Support docs (if applicable)

Rental income:
🏠 Documentation & Lease
📄 Property Appraisal Report

Ready to turn these in and unlock homeownership? Let's do it! 🌟🏡💙 📑💸

🏡💡 Maximize Your Home's Value with Smart Investments! 💰✨
Discover top projects for impressive returns:
Refinish hardwood floors: 147% ROI
Upgrade insulation: 100%
Convert attic to living area: 75%
Complete kitchen renovation: 75%
New primary bedroom addition: 56%
🌟 Enhance aesthetics and create functional spaces with these wise investments! Ready to elevate your home? Learn more today!
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🏡 Exciting News for Homeowners! AB-1033 allows you to sell your ADUs separately. 🌟 FCF Mortgage is here to guide you through this game-changer, making homeownership more accessible. 🛍️✨

Create an HOA and explore new opportunities. Let FCF Mortgage be your trusted partner in navigating this exciting housing change!

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🚫✋ Stop! Resist the temptation to dip into your home equity to tackle credit card debt, especially if you've recently snagged a lower mortgage interest rate. Let's explore smarter financial moves together! 💡💰

📉 Mortgage Rates Update! 🏠 After a surge of over 8% in October, mortgage rates are now heading back toward 7%, sparking a refinance boom. 🚀 Last week, the average interest rate for 30-year fixed-rate mortgages dipped to 7.17%, the lowest since August, driving a 14% increase in home loan refinance applications compared to the previous week. 📊💼 Don't miss out on potential savings! Contact us today to explore your refinancing options. 📞💙

🏡 Big News in Real Estate! 🚀 The Federal Housing Finance Agency is upping government-backed mortgages to over $1 million in high-cost areas like San Diego. 🌟 If you've dreamt of a home in San Diego or investing in Breckenridge, this opens new possibilities! 💼 Stay tuned for updates on how this change impacts your home-buying journey. Let's make your real estate dreams a reality! 🏠💙

🏢 Calling Business Owners! 📊 Securing a self-employed mortgage? Here's what matters:

1️⃣ Business Viability: Lenders check financial health and demand.

2️⃣ Income Check: Show a strong cash flow, stable personal income.

3️⃣ Stability Counts: Prove your business stability for varied monthly earnings.

4️⃣ Experience Matters: Preferably 2+ years, 5+ years simplifies approval.

Navigating self-employed mortgages? We're here to guide you at Full Circle Funding.

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🏡 Exciting News for Homebuyers! 📉 Mortgage rates have hit a 4-month low, presenting a golden opportunity for those looking to step into homeownership. 🌟 Whether you're a first-time buyer or considering refinancing, now is the ideal time to explore the possibilities. Our team at [Your Mortgage Company] is here to guide you through these favorable rates and help you secure the best deal for your dream home. 🏠💙 Don't miss out – reach out to us today and let's make your homeownership goals a reality! 🚀

🏡 Finance Your Dream Home with Zero Down Payment! USDA Loans Make it Possible! 🌟

✨ Zero Down Payment: Secure your home without any upfront costs.
🔑 100% Financing: Unlock homeownership with full financing support.
✅ Flexible Refinancing: Up to 100% of your home's value.
✅ Low Fixed Rates: Stable, affordable mortgages.
✅ Government Insured: Easier approval process.
✅ Versatile Usage: Existing, foreclosure, or new homes.
✅ No Limits: No loan or acreage restrictions.
✅ No Prepayment Penalty: Pay off early without fees.
✅ Home Improvements: Use for repairs or additions.
✅ Flexible Eligibility: Outside major cities, accommodating credit requirements.

Seize this opportunity today! 🏠 Contact us now! 🌟

🏢 Unlock Your Business Potential with Full Circle Funding! 🌟

Ever wondered how commercial loans work? Unlike residential mortgages, commercial loans use commercial buildings or business real estate as collateral. At Full Circle Funding, we specialize in guiding you through this complex process, making it seamless and stress-free.

Key Points to Consider:

🔹 Interest Rate: Commercial loans often have fixed rates, offering stability amidst market fluctuations. Variable rates can provide initial savings but may increase over time, impacting your monthly payments.

🔹 Loan Repayment Schedule: Most commercial loans involve a balloon payment, requiring a substantial final payment after smaller monthly installments. Longer repayment schedules may have higher interest rates.

Ready to elevate your business? 🚀 Let our experts tailor a commercial mortgage solution just for you. 🌐💼 Don't miss this opportunity – reach out to our representatives today and embark on your business growth journey! 💥 🌐🔑

🏡 Boost Your Home's Value with Smart Improvements! 💰

Ready to enhance your property's worth? Here are some brilliant home improvement ideas that not only elevate your living space but also increase your home's market value:

1️⃣ Kitchen Revamp: Upgrade appliances, add a backsplash, or refinish cabinets for a modern touch. The kitchen is a focal point for buyers.

2️⃣ Bathroom Makeover: Update fixtures, invest in quality tiles, or add energy-efficient features. A spa-like bathroom adds allure.

3️⃣ Curb Appeal: Landscaping, fresh paint, and a well-maintained lawn create a captivating first impression. Boost your home's exterior charm!

4️⃣ Energy-Efficient Upgrades: Install smart thermostats, energy-efficient windows, or solar panels. Buyers love eco-friendly features, saving money in the long run.

6️⃣ Outdoor Living Space: Create a cozy patio, deck, or garden oasis. Outdoor spaces are increasingly popular and provide a great return on investment.

7️⃣ Smart Home Technology: Integrate smart home devices for security, lighting, and temperature control. Convenience and security appeal to modern buyers.

Invest wisely, and watch your property value soar! Need more personalized advice? Reach out to us for tailored suggestions. 🌟 🏠✨

🏡 Market Update!

In the latest update, long-term mortgage interest rates saw a slight decrease after eight consecutive weeks. The average rate on a 30-year fixed-rate mortgage dropped to 7.76%, down from 7.79% last week. However, it's worth noting that this rate is higher than the 6.95% recorded at the same time last year.

Despite the decrease, mortgage applications fell by 2.1%, likely due to ongoing concerns about affordability in the housing market. Stay informed about these fluctuations as you navigate your homebuying journey! 🏠💡 📊🔑

🔑🏠 Unlocking Affordable Homeownership! 🏠🔑⁠
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Exciting news for homebuyers! Your negotiating power just got a boost. According to a recent Redfin report, sellers are offering concessions in a whopping 45.5% of home sales, up from 31.1% last year. And it's not just about price cuts anymore!⁠
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🌟 What's on the Table?⁠
Sellers are not just reducing prices; they're covering closing costs and even home repairs! Plus, there's a new game-changer: the "buydown." This one-time fee at closing can lower your mortgage rate, making homeownership even more affordable.⁠
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💡 Negotiate Smartly!⁠
When making an offer, explore if sellers are open to paying for closing costs or offering a "buydown." These upfront negotiations can weave affordability right into your purchase agreement.⁠
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It's your time to shine in the housing market! 🌟✨ Don't miss out on these opportunities. Let's make your dream home a reality! 🏡🔑 🌈

🏠 Demystifying Mortgage Rates 🏠

Ever wondered how mortgage rates are set? Here's a quick breakdown:

1️⃣ Fed's Influence: The Federal Reserve's decisions sway mortgage rates based on changes in the federal funds rate.

2️⃣ Bond Market Link: Mortgage rates are tied to long-term bond yields. When bond prices drop, home loan rates go up, creating a delicate balance.

3️⃣ Economic Impact: A strong economy can lead to higher rates, while economic slowdowns often offer more favorable terms for borrowers.

4️⃣ Inflation's Role: Banks may adjust rates during inflation to manage its pace, affecting your borrowing costs.

Understanding these factors empowers you in your mortgage journey! 📈✨ 🏡

🏡 Exciting News for Homebuyers! 🏡

We're thrilled to share that the U.S. Department of Housing and Urban Development, in collaboration with the Federal Housing Administration (FHA), has introduced a groundbreaking policy! Now, lenders can include income from Accessory Dwelling Units (ADUs) when underwriting mortgages. What does this mean for you?

✅ More Qualification Options: This change allows the inclusion of rental income from ADUs in your qualifying income, making it easier for more borrowers, especially first-time buyers, seniors, and inter-generational families, to secure FHA financing for properties with ADUs.

✅ Wealth Building Opportunity: ADUs, whether rented out or built new, not only enhance housing supply in our community but also offer an incredible opportunity for homeownership and wealth creation. You can now leverage the potential benefits of ADUs to build generational wealth while increasing the value of your home.

✅ Flexible Financing: Whether you're planning to attach a new ADU or need financing for new construction, our FHA-approved lenders are ready to assist you immediately. We're here to help you navigate these exciting changes and find the perfect mortgage solution tailored to your needs.

At Full Circle Finance, we believe in empowering your homeownership dreams. Reach out to us today and let's explore how these new policies can open doors to your ideal home! 🚪✨ 🏠