Stormy Holtzman, Loan Officer NMLS #1195563

Did you know that your credit score is essential when applying for a mortgage? A good credit score can help secure a lower interest rate and better loan terms, while a poor score can make it difficult to qualify or result in higher fees. Maintain a good credit score by paying bills on time, keeping credit card balances low, and avoiding opening too many new accounts. Check your credit score before applying for a mortgage to increase your chances of approval and save money in the long run.

Reach out to me if you have any questions about your credit score and how it impacts the mortgage process!

📲 417-847-7651 | 📩 [email protected]

🏠 Thinking about a home equity loan? Here are some perks to remember:

🔽 Lower interest rates: Home equity loans typically have lower rates than credit cards or personal loans.

💯 Fixed interest rates: Enjoy stability with a fixed rate, keeping monthly payments constant.

💪 Flexibility: Use funds for 🏡 home improvements, 💸 debt consolidation, or even 🌴 vacations.

💰 Tax benefits: Interest may be tax deductible, saving you 💲 during tax season.

🚀 Quick access: Get the cash you need promptly with a home equity loan.

Before deciding, consider risks and ensure it aligns with your financial plan. But used responsibly, a home equity loan can be a 🗝️ to financial success.

Reach out to me if you have any questions about how to access your home equity!

📲 417-847-7651 | 📩 [email protected]

If the little things in life make a big difference, the same holds true when it comes to light fixtures. Are you into pendant lighting, geometric chandeliers, or modern linear fixtures? Take your pick

“Am I financially capable of affording a home?”

🗝 First, do the math!
Calculate your income, expenses, and any other big spending habits. Ensure your debts aren’t throwing a wild party in the corner.

🗝 Next, channel your inner squirrel and save, save, save!
Embrace the art of frugality and watch your down payment fund flourish.

🗝 Finally, grab your calculator, sharpen your budgeting skills, and embark on the great homeownership adventure with confidence!

Remember that the real estate rollercoaster can be thrilling, but only if you’re strapped in with a solid financial plan😄

Have a great Easter! ☀️

There are a few tasks that should be completed ASAP after you move in.

Here are a few tips for your big move:

☑️ Get the house professionally cleaned
☑️ Change the locks and garage passcode
☑️ Install new toilet seats
☑️ Check the smoke detector batteries
☑️ Deep clean the carpets
☑️ Pack a “First Night” Box

Spring is here and the market is blooming with opportunities for buyers and sellers!🌼

Happy Saint Patrick's Day! 🍀

What is your favorite season?

Start investing your monthly rent into a home you love. 🏡

Avoid these mistakes when home shopping

- Don’t finance a car or another big item before buying
- Don’t max out credit card debt
- Don’t shop for houses without getting pre-approved

What does a home mean to you?

Are you a business owner?

Keep a record of both your personal transactions and business transactions to have proof of all your income when you need to apply for a mortgage. You'll want to deposit all of your business income into a dedicated bank account for your business. If you pay yourself a salary, it’s best to issue yourself a pay slip and pay a separate tax for that.

What is a fun fact about you that I don't already know? 😆

What's your favorite family photo?

What do you want to know about mortgage?

What is your dream vacation?

What is one chore that you don't mind doing?

Do you have any skills you feel like you're an expert in? Comment it below.

The 3 main things you need to prep before purchasing a home.

1. Don’t Skip The Pre-approval
This allows you to know if you can qualify to purchase a home and how much you can afford it. Gives you a better idea of what price point you should shop for with your realtor

2. Maintain Your Credit
Having a good credit score is a huge part of securing a good mortgage. Making sure to maintain that score throughout the home buying process will significantly increase your odds of closing on a home.

3. Save For A Down Payment and closing cost
Make sure to start saving for those additional expenses that go into purchasing a home. This will make everything move forward faster and smoother removing a lot of unwanted stress.

Buying a home doesn't have to be complicated!

Reach out if you want to make the process simple.

3 tips to make home buying easier:
1. Maintain good credit
2. Know the difference between your needs and wants
3. Don't skip pre-approval

What is a 2023 goal you are setting?

What is something you have always wanted to learn how to do?

If you were to start redecorating what room would you start with?

Home to me is where I can escape the business of the world and not have to worry about what anyone says or thinks🏡

What does home mean to you?

Are you a first-time homebuyer wondering how long the closing process will take?

This varies when working with other lenders, but as long as all of the documentation is in order our closing time is 30 days.

How many cups of coffee does it take for you to wake up?☕️

What was your biggest accomplishment this year? 🙌🏼

How can you start saving for your downpayment?🧐

Describe your decor style using emoji's🌵