EMK Mortgages

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The Kris Rico

Housing market creating 'good time to buy' despite higher rates, says UWM CEO Mat Ishbia Mat Ishbia, CEO of United Wholesale Mortgage, joins 'Closing Bell: Overtime' to discuss the outlook for mortgage rates, the impact of inflation on the housin...

Affordable Unit in Salt Lake County!

$297,000 | 4876 S Highland Cir #5 Holladay UT 84117 Cute little condo in the heart of Holladay, across from the old Cottonwood Mall. Master bedroom has a walk in closet, while the second bedroom has two separate closets. Bathroom has privacy door for toilet. And the living room still sports a sunken lounge area right in front of the fireplace with bu...

$10,000 in seller credits!

$585,000 | 2101 W 13180 S Riverton UT 84065 Redefining "move-in ready", this completely affordable & beautiful rambler is well-kept, sits in a quiet, coveted neighborhood. Modern style on good bones, a first-time buyer's dream with $10,000 in seller credits for permanent interest rate buydown; come see this charming single family living at it...

Two more days until our big event! See the attached images for more details, including the agenda for our event and additional information on Randy Garn!

Sign up here! https://bit.ly/43pfgtZ

Residual Income && Help Qualifying!!

Call me today to find out how!

It's Military Appreciation month!
So, let’s talk about VA Loans - What are the benefits of using a VA Loan when buying a home?

- Up to 100% Financing
- Competitively low interest rates!
- Little to no closing costs!
- No Private Mortgage Insurance
*Active military, veterans and surviving spouses are eligible*

All this allows you to save more money upfront and every month with lower rates.

I can help you get your certificate of eligibility, DD-214 and any other documents needed.

Call me today let’s make your dream of home ownership a reality!

Regarding your customers questions on the “Good Credit - Subsidize Rule”. Yes, A Federal Housing Finance Agency rule set to take effect on May 1 will increase monthly mortgage fees for borrowers with good credit scores. Those higher fees will be used to subsidize loans issued to higher-risk borrowers.

Matthew Graham of Mortgage News Daily has done an excellent job of explaining the new LLPA for loans sold to Fannie Mae or Freddie Mac this in his article "Is There Really a New, Unfair Mortgage Tax on Those with High Credit?" See link below:
https://lnkd.in/eMPKGUGT

Before you stop paying your bills in the hope of cashing in, let's separate fact from fiction. First and most importantly, you will absolutely NOT get a better deal on a mortgage rate if your credit score is lower, even if your nephew just texted you a screenshot of a news headline saying "620 FICO SCORE GETS A 1.75% FEE DISCOUNT" and "740 FICO SCORE PAYS 1% FEE."

Is There Really a New, Unfair Mortgage Tax on Those With High Credit? Seemingly overnight, the internet is awash with news regarding a "new," unfair tax on mortgage borrowers with higher credit scores. Some have gone so far as to suggest that someone could intentionally lower their credit score in order to get a better deal. Before you stop paying your bills...

🏠 Overcoming Bankruptcy: The Path to Homeownership in Utah

Filing for bankruptcy can be a challenging experience, but it doesn't mean the end of your homeownership dreams! I'm here to tell you that it's possible to buy a home in Utah even after overcoming financial hurdles.

Our most recent blog post on the EMK Mortgages website gives you a step-by-step guide on the path to homeownership after bankruptcy!

🏡 Remember, your past does not define your future.

With the right guidance and perseverance, you can achieve homeownership in Utah despite previous financial setbacks.

Contact me for a personalized consultation, and let's embark on this journey together!

https://lnkd.in/gn_W4Epr

Utah Mortgage Questions: Can I still Buy a Home if I Filed Bankruptcy Visit the post for more.

Calling all real estate investors! This program is for you!

🎊🎉👏🏼

Let us help you save the day 💕💕

Now in the Commercial Lending space!

We are so lucky to live in the beautiful state of Utah - USDA is one of my favorite loan types.

Free Money!

Homeownership matters! Calling all first-time home buyers! Just use my name and apply for $5000 American Dream Grant. It only takes 2 mins of your time. Feel free to reach out to me if you need help applying. Link is below!
https://slrealtors.com/downpayment-grant-application/?

Seller concessions can significantly lower you interest rate and monthly payment!

Still a great time to buy - now you just will not over pay!

Thank you 🇺🇸

https://www.eventbrite.com/e/ultimate-realtor-success-summit-tickets-400282976157

Ultimate Realtor Success Summit Come and take advantage of one of the largest Realtor Summits this year!

Megan Beckstead