Courtney Carter Residential Lender NMLS 2269118

Pre-qualification is the first step in the mortgage process. You will supply an overview of your financial history to the lender, including income, assets, debts, and credit score. This does not always require documentation but can be self-reported. The lender will then review your information to determine an estimate of what you qualify for.

Ready to get started? Contact me today!

Happy World Emoji Day! What emoji's best depict your home?

No one ever runs before they walk… we start with one step at a time. Saving for a home is very similar. We don’t jump in and say we are buying a home tomorrow.

Here are 4 steps we recommend in saving for a home:
• Talk with a lender and discuss qualifying loan options
• Allocate a monthly savings goal
• Trim your expenses
• Find out your credit score and ways to improve it

Like anything, we must have steps that lead us to our goal. Are you ready to take the first step? Contact me today!

Trying to anticipate the housing market is impossible. The best time to buy is when you find your perfect house and you can afford it. Real estate is cyclical, it goes up, down, then back up again. So, if you wait for the perfect time, you’re probably going to miss out.

Ready to get started? Contact me today!

Happy from !

What are your plans for the summer?

Happy to all the incredible fathers on our team here at and around the world!

Today, we celebrate you and all that you do. 💙 Mention a father that inspires you in the comments!

I want to buy a house, but ...

• My credit is bad.
• My partner does not want to.
• I don’t know where to start.
• I’m afraid of buyer’s remorse.
• I have no down payment.
• I have no experience as a landlord or homeowner.

We have heard it all and more. There are many factors to consider when thinking of buying a home now. If you are unsure where to start, contact me today!

It’s not wise to make any big purchases like a new boat or move your money across accounts 3 to 6 months before buying a new home. You also will want to follow this advice:

• Avoid any shifts in your credit profile.
• Avoid opening new credit cards.
• Watch your spending.

The point is, save money and money will save you. Lenders need to see you’re reliable and want a complete paper trail to help you get the best loan possible.
Ready to get started? Contact me today!

Is a mortgage possible if you have student loans?

Student loans can sometimes damper your plans to buy a house, but they aren’t a reason to give up on your dream. The key is understanding what lenders look for and how to make the most of your qualifying factors.

• Manage your other debts: if you have other consumer debts, try paying them down or off as quickly as possible. Lenders look at your debt-to-income ratio.
• Consolidate federal loans: when you do this, you might be eligible for payment plans, such as income-based repayment, which bases your student loan payment on your income, keeping it affordable.
• Save for a higher down payment: if your debt-to-income ratio is high, try saving money for a higher down payment. The more you invest in the home, the less risk the lender takes.
• Consolidate other debts: if you have good credit, try to consolidate your other debts into one loan to lower your payments.

Ready to get started? Contact me today!

Know before you go … shopping for your dream home. It’s important to have all your numbers in order so that you know exactly what you can afford for a new home. I can help you navigate those numbers!

Happy to all the incredible moms on our team here at and around the world!

Today, we celebrate you and all that you do. 💙 Mention a mother that inspires you in the comments!

If you’re a first time homebuyer ready to buy in this year … This is for you:

Before looking at any homes, get prequalified for financing. This accomplishes two important goals.

• You will have a price range that keeps you more focused in your search.
• Your offer will be taken more seriously by sellers.

Not sure where to start? Contact me today!

It’s ! 🧑‍🏫

At , we believe that teachers are heroes who shape the future. That's why we're proud to support educators through our Local Heroes Home Loan Program Mortgage. Learn more: https://gbankmo.com/home-loan-center.

May is , and we’re here to help make the homebuying process as simple as possible. Whether you’re a first-time homebuyer, upgrading, or looking to build, Guaranty Bank has home loans for every type of move. Learn more here: https://gbankmo.com/home-loan-center

What mortgage is best for me?

Mortgage loans are not a one size fits all solution. There are various mortgage loans you could qualify for and may find suitable for you. For example, military veterans or first-time homebuyers may qualify for a special loan and or down payment assistance program. One responsibility of a lender is to go over pros and cons of each for your specific situation.

Ready to get started? Contact me today!

Always factor in closing costs when looking at home pricing and affordability. Buyers often forget the additional 2-6% that can sneak up during the closing process if applicable. That is why you have a lender to help you through the entire homebuying process.

Ready to get started? Contact me today!

Are you ready to find your new home and need to know your loan options? Contact me today!

April is National !

This year we commemorate the 56th anniversary of the Fair Housing Act, the landmark law signed by President Johnson on April 11, 1968, making discrimination in housing transactions unlawful.

I am immersed in our community and have the knowledge of trends in the local market. Let me help you achieve your home ownership goals. Visit https://gbankmo.com/home-loan-center for more information.

Spring is right around the corner! The seasons may change but I am always here to help with my expertise on home loans. Visit https://gbankmo.com/home-loan-center for more information.

What type of loan is best for you? I can offer a wide variety of options to help you find the best fit. Learn more at https://gbankmo.com/.

We value the sacrifices of those who serve our community and country. I strive to support our local heroes by helping them achieve home ownership. Learn more about the Local Heroes Home Loan program at https://gbankmo.com/local-heroes

As a local lender, I am on your team! Together we can accomplish your home ownership goals. Learn more at https://gbankmo.com/home-loan-center

Wondering which home loan option is best for you? I can help with that! Visit https://gbankmo.com/home-loan-center to learn more.

You know that pre-approved feeling. It’s a quick and easy way to make the home buying process go smoother. Learn more at https://gbankmo.com/home-loan-center

January 21st is National Own your Own Home Day! I can help you get one step closer to home ownership. Visit https://gbankmo.com/home-loan-center for more information.

Conventional, FHA, and more, oh my! I can help discuss a variety of loan options to meet your needs. Visit https://gbankmo.com/home-loan-center for more information.

Cozy up this winter in a new home! Visit https://gbankmo.com/home-loan-center for financing options.

Getting prequalified is important! I am ready to help you build a plan for your future. Learn how to get prequalified at https://gbankmo.com/home-loan-center

The housing market can be complex, that’s why I am here to share the facts about current rates. Learn more at https://gbankmo.com/home-loan-center