Tina M Abbatecola aka MortgageTina NMLS 192822 OneTrust Home Loans

Whether you’re building dreams, crunching numbers, or making things happen, today is to celebrate us! Let's take a moment to appreciate the dedication and effort we pour into our work every day.

Here's to the hustle, the grind, and the passion that drives us forward! 💪🎉

Feeling the love! 💜

Nothing makes me prouder than hearing how my dedication and communication made a difference.
Thank you to my amazing client for the kind words—this is why I do what I do! 🏡

Good news for those still building their financial 'relationship'—the cost of having a credit score under 680 has become less of a deal-breaker! 🎉

Check out this heat map to see the difference it's making. 💸 While higher scores still enjoy the best perks, the playing field is leveling out, making it easier to fall in love with your new home! ❤️

Mortgage costs, like finding a perfect match, depend on compatibility. 💜💸

💸 Your credit score, how much you're borrowing, whether you’re living in the home, and even your debt-to-income ratio all play a role in determining the ‘chemistry’ between you and your mortgage.

Did you know...

Having a credit score under 680 now comes with a smaller penalty. For example, if your score is 659 and you're borrowing 75% of your home's value, you'll pay a 1.5% fee on the loan balance. Before these changes, that fee would have been 2.75%, saving you $3,750 on a $300k loan!

🎯 Recent changes to mortgage costs might make it easier to fall in love with your dream home. But remember, a good credit score is still your best matchmaker. ❤️

🏘️🔍 Loan denials aren't always about the buyer. Sometimes, the property itself fails to meet loan criteria. For example, an FHA 3-4 unit property that doesn't pass the sustainability test. Be informed! 📝🏡

💼📊 Income verification is crucial in the mortgage process. If you're an hourly employee with varying hours, your lender will need a written verification of employment. Consistent income is key to securing your loan! 📈🏠

💸📉 Undisclosed debts like Afterpay and Klarna can impact your debt-to-income ratio. Make sure to disclose all debts to avoid surprises during your mortgage application process. Transparency is key! 🔑💰

⭐️⭐️ Not a surprise here! ⭐️⭐️

This company definitely walks the walk on service and is always looking for feedback for improvements. So glad to be part of it!

We are excited to announce that we've been recognized as a 2024 Best & Brightest Companies to Work For in the Nation by the National Association for Business Resources for the third year in a row! Read more about this award: https://onetrusthomeloans.com/press/for-the-third-consecutive-year-onetrust-home-loans-recognized-among-best-brightest-companies-to-work-for-in-the-nation/

🏡💡 Did you know? Loans can be denied for reasons other than the buyer not qualifying! The property itself can be a deal-breaker. For instance, an FHA 3-4 unit property that fails the sustainability test can lead to a loan denial. 🏢🚫

Want to know more? Send me a message today!

Sometimes break-ups are for the better, it's time to break up with your landlord and explore your home-buying options!

Buying a home is a big step, and honesty about your finances is crucial💰
It's not just about getting into a home, but ensuring you can stay there comfortably. 🏠

💜 Let’s work together to assess your financial situation honestly and plan for your future! 💜

Welcome to our series! ☀️🏡 I’ll be sharing tips, advice, and insights to help you navigate the home buying process with confidence.

Feeling so grateful 💜 I cannot thank YOU all for your support over the years! Such an honor to receive this award for the past 14 years!

😍😍😍Attention singles! 😍😍😍

Are you tired of the dating apps? Want to meet real people in person? Well, you are in luck! 🍀🍀🍀

We have limited tickets to this fun mingle event that will combine a little bit of everything. We have some singles who will be sharing their dating app stories with you and it will be interactive so lots of fun and learning! 👂👂👂

This is a relaxed setting! No pressure, just come meet other people, like you, that are tired of the online BS. 👻👻

Please feel free to share and don't forget to sign up! ✍️✍️✍️
The event ticket includes some light apps and a drink. 🍷🍷🍷(Cash bar if you need more than 1) 😝😝😝

Cheers to finding a genuine connection! 💞💞💞

Skip the Swipe, Meet in Real Life! Tired of swiping left and right? Ready to find love the old-fashioned way?

⏳ Don't Delay Your Dream Home! When lenders ask for documents, it's not to inconvenience you. It's to ensure everything is accurate and up-to-date. Your job history, consistent hours, and clear documents play a big role in your loan approval.

📝 Reminder: Be prompt and precise with your document submissions to keep your loan process smooth.

🛑 Pre-Approval ≠ Loan Approval! Pre-approval letters are just the beginning. If the information you provided can't be verified, your pre-approval could be voided. Always ensure your documents are accurate and complete to avoid surprises.

📄 Pro Tip: Keep your financial documents updated and clear to speed up your loan process.

Celebrating all the amazing dads out there today! 💜

Thank you for your love, guidance, and endless support. Happy Father's Day!

You don't need to know where you're going to get pre-approved! Our TBD approvals can help! 🌅😊

We offer TBD approvals on all loan types, including FHA, VA, and Down Payment Assistance with traditional underwriting... for now. 🙂 Conventional loans are ahead of the game with AI in the process, making things even faster.

Our TBD approvals for Conventional loans get you pre-approved in under an hour, paving the way for a smoother home buying journey.

Take the leap and start your new chapter today! 🏡✨ Contact me now to get started.

Thinking about a move this summer? Let’s make it a breeze! Our TBD approvals for all of our loans types can help make the process smoother than a picnic in the park!

Get pre-approved for a Conventional loan in less than 60 minutes and savor those sweet moments. 🌳🍉

Ready to roll? 🏡 Give me a call!

🌞 Hey, sunshine seekers!

Did you know you can get pre-approved for a Conventional loan faster than you can say "summer vacation"? Well.. in less than 60 minutes!

Let's make those dream home vibes a reality. 🏖️

🎲 You don't need luck when you choose to work with me, because you're not just getting a mortgage lender, you're gaining a trusted partner for life. 🤝

From your first home to your forever home and beyond, I'll be by your side every step of the way. That's the promise of loyalty.

I am so proud to support Lake County Responds for Veterans and you can too!

Our annual golf outing & fundraiser that supports Lake County Responds for Veterans and Marine Air Control Group 48 Ball, is just around the corner! 🏌️‍♀️🇺🇸

Get ready for an awesome day filled with golf, food, and great vibes! Plus, you'll be helping veterans and celebrating the 248th Marine Corps Birthday. 🎉🎂

Join us for a tee-rific time! See you on the greens! Sign up here: https://app.eventcaddy.com/events/drive-fore-veterans-2024

⛳️🇺🇸