Marty Bronfman, Mortgage Expert NMLS 69143

🏡✨ Excited to share a new video where I dive into why I absolutely LOVE my career in the mortgage industry! 🎥💼

Helping families achieve their dreams of homeownership is incredibly rewarding. From the initial consultation to handing over the keys, every step is a journey we take together. 🗝️🏠 Seeing the smiles and joy on my clients' faces is what keeps me passionate and driven. 💖

Check out the video and learn more about why this industry is so close to my heart! ❤️📈

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Did you know? The demand for new home purchases is soaring at an unprecedented rate – nearly DOUBLE the historical norm! 📈🏠✨ Get ready to ride the wave of success in the housing market. 🌊💰 🏡

🔥 Let's turn opportunities into achievements! 💪📊 🏘️🤝 Don't miss out on your chance to thrive in the world of real estate! 🌐💎

🏢🌟 Let's make dreams of home ownership come true together! 🏠❤️ 🗝️🌈

For more insights check out my book: https://amzn.to/425KNRW

💬DM me or 📞call 201.655.1571 for all of your mortgage needs!

We will be elaborating on this topic further in tomorrow's video. Comment below on your thoughts or questions on why. 😊🎥🔍💭

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📢 Hey there, future homeowners! Listen up! 🎯

⚡️💼📑 Do you want to unlock the secret to a lightning-fast mortgage approval process? 🗝️🏦

🔑✨ Here's the key: Submitting ALL your documents at once! 📂🚀

📅⏳ Time is of the essence, and the mortgage process can be quite a ride. 🎢 But fear not! 💪💨

💼📋📑 Imagine this: By gathering all your necessary documents upfront and submitting them in one go, you're turbo-charging your approval journey! ⚡️🚀

🔄⏭️ Skipping the back-and-forth game of document requests and revisions saves you precious time. ⏰✅

💪🏠 Plus, it shows your lender that you mean business! 💼📈 Demonstrating your organization and readiness helps build trust and confidence. 💯💼💪

📤📊💰 Faster approval means you can secure your dream home sooner! 🏡🎉💰

💡🗂️ So remember, folks: is all about bundling up your documents and sending them in one shot! 🚀📑

⚠️📝 Pro tip: Consult with your mortgage advisor to ensure you have all the necessary paperwork in order before making your submission. 📞👩‍💼

🌟✅ Let's make your homeownership dreams come true together! Start by submitting your documents all at once! 💪🏠🚀

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🏠💸 Understanding the cost of is crucial! It's more than just the down payment.💰🔑

Educate yourself🎓, be prepared, and tackle home buying like a pro!👊🏡💪🎯

🏠🔎 Homebuying Process: The Power of Asking Questions! 💭🔍

Are you considering buying a new home? 🏡🤔 It's an exciting journey, but it's essential to ask the right questions to make an informed decision! 📝💡 Let's dive into why asking questions during the homebuying process is crucial!🌟📣

💸🔌 How much do the utilities cost?
Knowing the average monthly utility expenses helps you plan your budget better and avoid any surprises later on. 💰💡 Don't forget to inquire about energy-efficient features to save money in the long run! 💡🌿

💦🚧 Is the home in a flood zone?
Flooding can cause significant damage and inconvenience. ☔🌊 Ask about the property's flood zone status to ensure you're aware of any potential risks and can take appropriate precautions. Safety first! 🛡️❤️

🏘️🔐 Is the home in an HOA?
Some neighborhoods have Homeowners Associations (HOAs) that regulate certain aspects of living. It's important to understand their rules, fees, and restrictions before making your decision. Community vibes, here we come! 🤝🏡

🏠🔋 How old is the roof?
A well-maintained roof is crucial for a secure and cozy home. 🏠🛡️ Inquire about the roof's age to evaluate its condition and estimate any potential repair or replacement costs. Let's protect our castle! 🏰💪

🌳🌼 Where is the nearest park?
If you enjoy spending time outdoors, knowing the proximity of parks and green spaces is a must! 🌲🏞️ Check out the local recreational options and envision your leisurely strolls and picnics. Nature is calling! 🌿📞

🚰🔧 Have there been any plumbing issues?
Plumbing problems can be messy and expensive to fix. 💦🔧 Ask about the plumbing system's condition, previous issues, and any recent repairs to ensure you're not left dealing with unexpected leaks. Keep things flowing smoothly! 🚿🔝

🔌📆 How old are the appliances?
Up-to-date appliances can enhance your daily living experience and minimize future expenses. 📅⚡ Inquire about the age of appliances like the fridge, dishwasher, and HVAC system to gauge their lifespan and potential replacement needs. Embrace modern living! 📲🌟

Remember, asking questions is your superpower during the homebuying process! 🦸‍♀️🔎 By seeking the right information, you can make an informed decision and ensure your future home meets your needs and expectations. Good luck on your journey to finding your dream home! 🗝️🌈

Send a message to learn more

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Hey everyone! Ever wondered how lenders decide how much money you can borrow? 🤔 Let's dive into the world of debt-to-income ratio! 💼💰

📈 The debt-to-income ratio (DTI) is a vital factor used by lenders to assess your financial capabilities and repayment capacity. 🧮 It's like a key 🔑 that unlocks the door to your borrowing potential. So, let's break it down! 🚀

💼💵 DTI Ratio: Your debt-to-income ratio is simply a comparison between your total monthly debt payments and your monthly income. It helps lenders evaluate whether you can comfortably handle additional debt.

💪💰 Why does it matter? Well, lenders need to ensure that you can afford the payments for the loan amount you desire. 🏦📉 By understanding your DTI, they can gauge the risk associated with lending you a certain amount of money.

📊💸 The Calculation: To calculate your DTI ratio, divide your total monthly debt payments (such as credit card bills, loan installments, and mortgage payments) by your gross monthly income. Multiply the result by 100 to get a percentage.

📈🏠 Impact on Loan Amount: Your DTI ratio directly affects the loan amount you qualify for. If your ratio is too high, it may limit the loan amount lenders are willing to extend to you. On the other hand, a lower DTI ratio can increase your borrowing power! 💪💵

📣🔑 Take Control: If you're planning a big purchase, keep your DTI ratio in mind. Make sure to manage your debts wisely, maintain a steady income, and keep an eye on your financial health. Remember, a healthy DTI ratio opens doors to financial opportunities! 🚪💼

✅💡 Pro tip: Aim for a DTI ratio below 43%, as this is generally considered a healthy range for most lenders. However, different lenders may have their own specific requirements, so it's always wise to do your research! 🕵️‍♀️📚

🔓💰 So, friends, understanding your debt-to-income ratio is crucial when it comes to borrowing money. Keep your DTI ratio in check, and unlock a world of financial possibilities! 💪💸💼

📈💰📉 Your income, credit history, and interest rate may undergo changes even after you receive your pre-approval letter, which could influence your approved amount. That's why a mortgage pre-approval typically has a lifespan of 60-90 days. ⏳✉️ Stay updated and prepared on your homebuying journey!

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Hey there, friends! 🌼🤗

💭💡 Making big decisions can be tough, but fear not! I'm here to lend a helping hand and offer my support. 💪🤝 If you're thinking about buying a home, I've got your back! 🏡💰💼

👉📋 It's a big decision, I know, and that's why I'm thrilled to provide you with a pre-approval. 🎉🙌📝 Let's remove those uncertainties and embark on this exciting journey together!
🌟✅ Don't let doubts hold you back! Take the leap and trust in yourself. I'll be right by your side, guiding you every step of the way. 👏💫



Remember, you've got this! 🌟💪🌟

Comment below or DM me if you need a lending hand or have any questions. Let's make your dreams a reality! 🌠🌟✨

🏡💰 Save Money with a House! 🤑✨

Are you tired of throwing your hard-earned cash down the rental drain? It's time to consider the incredible money-saving benefits of buying a house! 🙌💸

💰 Invest in Your Future:
Buying a house is like planting a financial seed that grows over time. Instead of paying rent and never seeing that money again, you can build equity in your own home. This investment can provide significant returns in the long run, offering you a solid financial foundation. 💪💼

💰 Say Goodbye to Rising Rents:
Rent prices tend to go up year after year, making it harder to keep up with the increasing costs. When you own a house, your monthly mortgage payment remains stable, giving you the peace of mind that your housing expenses won't unexpectedly skyrocket. 📈🚀

💰 Tax Benefits:
Owning a house opens the door to potential tax deductions. You may be eligible to deduct mortgage interest, property taxes, and even some home improvements from your taxable income. 💡🔍💵

💰 Bye-Bye Landlord:
No more permission slips from the landlord! When you own a house, you have the freedom to decorate and modify your space as you wish. Say hello to painting the walls your favorite colors and creating the home of your dreams without limitations. 🎨🏠✨

💰 Build Wealth:
As you continue to pay off your mortgage, you're increasing your net worth and building a valuable asset. Over time, your home can become a significant part of your overall wealth, providing you with financial stability and opportunities for future investments. 💵💼📈

💰 Stability for Your Family:
Having a stable and secure place to call home is priceless. Buying a house provides stability for your family, giving you the freedom to establish roots and create lasting memories. It's not just an investment in money but an investment in your happiness and well-being. 🏡❤️😊

So why wait? Start your journey towards homeownership and unlock the incredible money-saving advantages today! 🚀💰💪

🔍🏠✅ Never skip out on a home inspection before closing!

⚠️🚧 Foregoing an inspection can leave you with unfixed issues in your new home. Don't risk it!

💰💡 Save yourself money in the long run and get that inspection now. It's a smart investment!

🏠🔍📋 An inspection helps uncover any hidden problems, giving you peace of mind.

🔍💼 Hiring a professional inspector ensures you have all the information you need to make an informed decision.

💡✅ Don't overlook the importance of a thorough inspection. It's your chance to catch potential issues early on!

🔍💼💰 Remember, fixing problems after closing can be much more expensive. Avoid regrets and prioritize the inspection!

🔑🔎👀 Protect your investment and ensure a smooth homebuying process. Schedule that inspection today!

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🚀 Qualifying for a mortgage is getting harder with rising rates, especially for self-employed individuals. But don't worry! I have the right programs to help you get qualified. 💪🏡

🌱📚 These specialized programs consider the unique challenges of self-employment, such as fluctuating income and complex tax situations. I will guide you through the process, ensuring you have access to the support you need. 💼💡

🙌✨ Don't let rising rates discourage your homeownership dreams! Let me turn your dreams into reality by helping you overcome the challenges and secure a mortgage. Contact me today! 💼💰🔑🏠

📢✨ Your vote matters! Let's shape the future together! 🔑🌍 Embrace your civic duty and stand up to be heard. Honor the past, empower the future by staying informed and making a difference. Every vote counts! 💪🗳️

💼📈 Why invest in real estate? Here are some compelling reasons! 🏡✨

1️⃣💰 High Returns: Real estate has the potential for significant financial gains, with rising property values and rental income opportunities. 💸📈

2️⃣🌟 Diversification: Investing in real estate allows you to diversify your investment portfolio, reducing risk and increasing stability. 🏢🔀

3️⃣💼 Tangible Asset: Unlike stocks or bonds, real estate provides a tangible asset that you can see, touch, and have control over. 🏘️✨

4️⃣🔑 Control and Flexibility: Real estate investment grants you the ability to make strategic decisions, such as property improvements, rental management, and leverage for financing options. 🚧💪

5️⃣🌳 Hedge Against Inflation: Real estate historically serves as a hedge against inflation, as property values tend to rise in line with or exceed inflation rates. 📈🌡️

6️⃣💼 Tax Benefits: Real estate investors can enjoy various tax advantages, including deductions for mortgage interest, property taxes, depreciation, and more. 💵💼

7️⃣🔑 Long-Term Wealth Building: Investing in real estate is a proven pathway to long-term wealth creation, offering the potential for both cash flow and appreciation over time. 🏦📈

Take advantage of these compelling reasons and secure your financial future through real estate investment! 🚀💰

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⏳🏡 Don't wait too long to buy your dream house!⏰ While it's tempting to hold off until mortgage rates go down, there's a potential downside: higher house prices and increased competition. 💰 By the time rates drop, the cost of houses may have already skyrocketed, making it harder to find an affordable option.

💡 But here's the good news: you can always refinance! 🔄 Refinancing allows you to adjust your mortgage terms and take advantage of lower interest rates in the future, even after you've purchased your home. So, instead of waiting indefinitely for rates to decrease, consider buying while house prices are still reasonable.

🏠💸 By acting now, you can secure a home at a more favorable price point and potentially save thousands of dollars in the long run. Plus, you'll be ahead of the competition that's waiting for rates to drop. It's a win-win situation!

🌟 A good loan officer holds many great qualities including time-management skills, problem-solving skills, and responsiveness, but 3 traits that an outstanding loan officer must have are:

✨ Transparency
❤️ Passionate
📊 Measured & Data-driven

Are you a homebuyer looking for a mortgage? 👏🏼👏🏼👏🏼 Yup! Looking for an outstanding loan officer? Look no further! is here to help. We are here for you! 💼💰

📅 Tuesday Tip: Here are some of the top advantages of owning a home, instead of renting... 🏠💰
➕ Solid Investment 💼💵
➕ Stable Monthly Payments ⚖️💰
➕ Opportunity To Build Equity 📈💰
➕ Build Credit 🏦💳
➕ Cheaper Than Renting Over Time 💲⏰
➕ Tax Advantages 💸📊
➕ Can Make It Your Own 🎨🏡
Looking to purchase a home but just not sure where to start? Call me at 201.655.1571 to help guide you through the process! 📞🏡✨

Love our town! Officer Tre stopped by to play some basketball with my boys.🙌

👮👩‍🚒👨‍🏫🚑 We support law enforcement 👮 and all of those who serve our community. We have special programs just for police 👮‍♂️👮‍♀️, EMT 🚑, firefighters 👩‍🚒👨‍🚒, and teachers 👨‍🏫. If you are looking for a home 🏡, reach out to me to find out more about these awesome programs.

🌷🏡🌼 Did you know that 40% of home purchases happen in the Spring? 🌼🏡🌷

If you're planning to buy a home this , it's time to step up your game and get ready to compete in the bustling real estate market. 💪💼 With more buyers entering the market, it's crucial to make sure you're well-prepared to stand out from the crowd.

One of the best ways to position yourself as a serious contender is to get for a mortgage TODAY! 🎉💯 By obtaining pre-approval, you not only demonstrate your financial readiness, but you also gain a competitive edge over other buyers.

Pre-approval shows sellers that you're a qualified buyer, which can help strengthen your offers and give you more negotiating power. It allows you to confidently make offers on your dream home, knowing that you have already taken care of the financial aspect.

So don't wait any longer! Take the first step towards homeownership by getting pre-approved for a mortgage today. Start the process and empower yourself to seize the opportunities this Spring has to offer. 🏠💼✅

💼🔥 , You Make Them! 🔥💼

✨ Embrace the new week with determination and a positive mindset. Remember, success doesn't come knocking on your door – it's up to you to create those amazing opportunities! 💪💫

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Thinking about selling your home? 🤔 Before you put that "For Sale" sign in your front yard, it's important to get in touch with a mortgage lender. Here are 4️⃣ reasons why:

1️⃣ Get your loan payoff amount to find out how much you still owe on your mortgage.

2️⃣ Find out about any prepayment penalty fees on your current mortgage.

3️⃣ Obtain a line of credit to use for repairs before you sell.

4️⃣ Get pre-approved for a loan to confirm selling now is the right choice.

By being proactive and working with a mortgage lender, you can avoid costly surprises and make sure you're making the best financial decision for your situation.

📞🏠 Do you need help with your mortgage? Look no further! Call me today to discuss all your mortgage needs. Whether you're a first-time homebuyer or looking to refinance, I am here to help you find the best solution for your situation. Let's work together to make your dreams of owning a home a reality! 💰💭💼

📢🌅📆 This is your reminder that you are capable of handling whatever challenges this week may bring! 💪🏼👊🏼 So go ahead and take on the week with confidence and determination. You got this! 💯

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Are you looking to find your dream home this weekend? 🏡💭

Let's get you pre-approved and match you up with some of the best realtors in the biz. 💼🔝

We can make your dream home a reality! 🌟

DM me or call me at 201.655.1571