Synergy One Lending, Inc. NMLS #1907235

This is the ultimate beginners guide to buying your first home:

1.Your credit score is like the base of a successful home purchase. Aiming for a credit score of 700 or higher will often get you access to get better rates!

2. The down payment. Common knowledge says you need to put 20% down but THAT’S NOT EXACTLY TRUE. Synergy One Lending offers tons of loan options that require a lot less cash for a down payment so long as you qualify.

3. Understand the term interest rates. It is a huge part of your monthly payment. And, in short, lower interest rates save you money. And you earn those lower interest rates by having a great credit history.

4. Figure out the right loan product for your financial situation. FHA, ARM, VA, Conventional, Buy-down… there’s a lot more and it’s definitely confusing.

Luckily, you won’t have to do this by yourself if you’re working with Synergy One Lending! Download the S1 Connect app today to get started!

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Synergy One Lending, Inc.

We're excited to welcome industry leaders Brett Toyne and Zach Kwakenat to the Synergy One Lending team! 🎉 Their expertise and passion will be invaluable as we continue to grow, and we can't wait to see the impact they'll have.

Synergy One is on the rise, and if you're ready to be part of the modern mortgage experience, learn more at joinsynergyone.com or connect with Eric Kulbe, our Head of Growth and with our President Aaron Nemec 🚀💼

Financial Awareness Day is the perfect time to take control of your future! 💡 Whether you're saving for a home, planning for retirement, or just looking to improve your financial health, today is all about making smart money moves. Remember, the first step toward financial freedom is awareness. Let's build a brighter financial future together! 💰✨

Why rent when you can build wealth? 💪 Every mortgage payment you make is an investment in your future, growing your net worth instead of your landlord's. Start building equity and take control of your financial destiny by owning your home. 🏠✨

We wish everyone knew about everything refinance and it's hidden value. So let’s look at 4 ways refinancing your home can make a hugely positive impact on your financial future:

By refinancing at a lower interest rate, you could reduce your monthly mortgage payments significantly. This frees up cash for other financial goals or everyday expenses

A lower interest rate not only lowers your monthly payment but also saves how much you pay in interest over the life of the loan. It's money back in your pocket

If your home has increased in value or you've paid down a significant portion of your mortgage, refinancing allows you to tap into that equity. Use it for home improvements, debt consolidation, or even to fund education

Switching from an adjustable-rate mortgage to a fixed-rate can provide stability in your payments. Alternatively, shortening your loan term can help you pay off your mortgage faster

Refinance • Synergy One Lending Discover a Simpler Way to Refinance Your Home Refinancing your home doesn’t have to be complicated. Apply online or talk to one of our mortgage refinancing experts-rest assured they can walk you through the process and answer any questions you have along the way. Contact Your Loan OfficerDon’t h...

I’m sure you’ve heard the news



On Monday August 5th, the Dow Jones Industrial Average posted its worst day in nearly two years, falling over 1,000 points. This was after Japan’s stock market experienced its steepest decline since Wall Street’s Black Monday in 1987, and this has everyone panicking over global market instability.



How did this happen?



Fears of a U.S. recession triggered a global market meltdown after Friday's disappointing July jobs report, and investors are worried that the Federal Reserve is not cutting interest rates quickly enough, having kept them at the highest level in two decades last week.



But that was Monday.



On Tuesday the 6th, the Dow rallied 400 points, all 11 sectors of the broad market index were positive for the day, and Japanese stocks, specifically the Nikkei 225, posted its best day since October 2008.



What happens from here? Probably more volatility.



Oddly enough, this freakout should be good for mortgages. Falling bond yields and interest rates might benefit the U.S. mortgage market, we know this because loan originators are already quoting lower prices. And analysts are predicting that mortgage rates could drop significantly, offering a ton of potential savings for borrowers.



Our advice?



Don’t try to “time the market” to get the lowest rate if you’re looking to purchase a home this year. This could end up burning you and your wallet. Talking with a trusted mortgage advisor from Synergy One Lending is going to be the best move for purchasing a home in 2024, especially during this market volatility.

Refinance • Synergy One Lending Discover a Simpler Way to Refinance Your Home Refinancing your home doesn’t have to be complicated. Apply online or talk to one of our mortgage refinancing experts-rest assured they can walk you through the process and answer any questions you have along the way. Contact Your Loan OfficerDon’t h...

📣 Attention Real Estate Partners! Join me for "The Not-So-Secret Goldmine: Past Clients" national webinar hosted by Synergy One Lending.🌟 Learn how to tap into the wealth of opportunities within your past client base and elevate your business to new heights. Don't miss out on these valuable insights! Register now and let's grow together. 🏡💼

📱Register Here: https://s1l.zoom.us/webinar/register/WN_5teIB-PIR-Gqf1wzPXf9vg

Are you passionate about marketing and eager to support top-tier professionals in the mortgage industry? Synergy One Lending is looking for a dynamic Marketing Coordinator to join our team. In this role, you'll play a crucial part in supporting our Loan Officers in branches across the country, helping them achieve their goals and drive success.

If you're ready to make a difference and be part of a growing, innovative company, email your resume to [email protected] 🌟✨

Unlock the potential in your home with smart refinancing!

As the latest data shows new opportunities, Synergy One Lending is here to guide you every step of the way to the best financial decisions. Imagine lowering your interest rate or consolidating debt for greater peace of mind. Let's make your financial dreams a reality together!

The Modern Mortgage Experience is all about speed and certainty! 🏠✨ With Synergy One Lending, you can apply for a home loan in less time than it takes to enjoy a glass of your favorite wine. 🍷 Ready to make your homeownership dreams a reality?

📱Apply Today: https://s1l.com/buy-a-home/

It's finally here everyone! The highly anticipated Federal Reserve interest rate cut.

The Federal Reserve is expected to make its first interest rate cut since 2020 this fall, likely starting in September. This move could lead to lower mortgage rates for homebuyers. However, don’t get too excited—mortgage rates are not expected to change significantly once the Fed begins cutting rates, as these cuts are already priced into financial markets, according to Redfin's Chen Zhao.

So, what can you do about this upcoming rate cut?
If you’re a homebuyer thinking about refinancing, it’s smart to review your current mortgage rate, monthly payments, and closing costs. While lower rates might bring in more buyers and potentially bump up home prices, the overall effect on the housing market remains uncertain. Therefore, don't just wait for the perfect time—make decisions based on your own situation.

To navigate these changes effectively and make the best decisions for your financial future, it's crucial to talk to a Synergy One loan officer about your options. They can provide personalized advice and help you understand how these market changes might impact your mortgage.

Refinance • Synergy One Lending Discover a Simpler Way to Refinance Your Home Refinancing your home doesn’t have to be complicated. Apply online or talk to one of our mortgage refinancing experts-rest assured they can walk you through the process and answer any questions you have along the way. Contact Your Loan OfficerDon’t h...

🎉 Join us in welcoming industry leaders Lance Stifflemire & Rich Demonica to the Synergy One Lending team! 🎉 We’re thrilled to have them on board and can't wait to see the amazing contributions they'll bring. We look forward to the exciting future ahead with their expertise and passion. Synergy One is growing, and if you're looking to become a part of the modern mortgage experience, you can learn more at https://joinsynergyone.com/ or contact Eric Kulbe, our Head of Growth at https://joinsynergyone.com/eric-kulbe/ 🚀💼

The first step on the journey to homeownership is financial health. Did you know that increasing your credit score may lower your mortgage rate? 🏠🔑 A higher score often means better interest rates, which can save you money over the life of your loan. The S1 FinFit App is designed to help you achieve financial wellness and prepare for homeownership. Start improving your score today by downloading the S1 Fin Fit App.

📱Download Today: https://s1finfit.com/

LAST CALL: LAST CALL: Calling all Real Estate industry professionals!

Join us for our exclusive "List to Last-for Selling Agents" training session.

Now more than ever, knowing clear and effective ways to provide value will be critical for your success. Seize this valuable opportunity!

Register Here:
https://s1l.zoom.us/webinar/register/WN_FF6MQuC8TdGrKdmDwNFLWw #/registration

Calling all Real Estate industry professionals! Join us for our exclusive "List to Last-for Selling Agents" training session. Now more than ever, knowing clear and effective ways to provide value will be critical for your success. Seize this valuable opportunity!

Register Here:
https://s1l.zoom.us/webinar/register/WN_FF6MQuC8TdGrKdmDwNFLWw #/registration

Happy 4th of July from Synergy One Lending! 🇺🇸✨ Today, we celebrate the freedom and independence that make our country so special. Wishing you all a fantastic holiday filled with joy, family, and fireworks. Let’s honor our great nation and the American Dream! 🎆🏠