Christie Caldwell Future Home Loans NMLS# 112392
NMLS 112392
Mortgage Broker Licensed to work: NC Equal Housing Opportunity https://bit.ly/3ZBy8Ee
Enjoy the summer season with your family and friends! And, don't hesitate to call if you have any home financing questions.
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Tomorrow marks a new month and brings new opportunities to turn your homeownership dreams into reality. Let's work together to find the perfect mortgage fit for you!
📧 [email protected]
📲 (336) 681-6955
Your credit score is the key to unlocking your dream home. Swipe for a sneak peek into why it matters and how we can work together to elevate your homeownership journey! ➡️
Your dream home awaits in Greensboro, and I'm here to make it happen! Bringing four decades of mortgage expertise to your doorstep🚪
Have questions about mortgages? I'm here to provide clarity and guidance. Comment below or send me a DM—I'm ready to help! 🤍
From pre-approval to home keys, I'm here every step of the way. Your dream home is within reach – let's make it a reality! ✨
📧 [email protected]
📲 (336) 681-6955
While the Mortgage Bankers of America Interest Rate Forecast gives us insights, it's essential to craft a strategy tailored to your goals. Planning to buy a home? Let's chat and create a plan that aligns with your unique needs. Reach out anytime!
📧 [email protected]
📲 (336) 681-6955
New home buyer? I'm excited to share over 40 years of mortgage insight with you! 🏡 Let's explore the best options together and ensure your home-buying experience is smooth and stress-free.
It’s crucial to make sure that you’re not just getting a mortgage that you can afford, but one that’s tailored to your unique financial situation. I take the time to go through all of the numbers with my clients - carefully analyzing their income, expenses, and credit score to determine what size mortgage they could qualify for. It’s not just about getting a loan, it’s about finding a loan that’s right for you 🏡
Greensboro living starts with the perfect home and the right mortgage. Let's find your key to homeownership together!
📧 [email protected]
📲 (336) 681-6955
PMI, short for Private Mortgage Insurance, is a shield for lenders in case a borrower can't meet their commitments. It's often a necessity for loans with higher LTV ratios.
Questions about PMI? Let's chat!
📧 [email protected]
📲 (336) 681-6955
Looking to make Greensboro your home? Let's explore mortgage options together. My commitment is not just to find you a loan but to empower you with knowledge for a successful homebuying experience 🏠
Securing the perfect mortgage is a crucial part of turning your homeownership dreams into reality. Trust me to explore various options and negotiate the best terms on your behalf. Your satisfaction and peace of mind are my top priorities as we work together to make your home buying journey a success! ✨
Your home is more than just walls and a roof—it's an investment. Whether you've just made improvements to your current home or are searching for your dream home, insurance coverage safeguards your property and provides peace of mind 🏠
From the moment my day begins until well after I've left the office, my role extends beyond that of a typical mortgage broker—I'm your guide and support system, ready to help you unlock the door to your dream home!
📧 [email protected]
📲 336-681-6955
Let's craft a tailored plan to turn your dream of owning a home into a reality. Together, we'll navigate the path to homeownership, shaping a future filled with comfort, security, and the joy of calling a place your own!
📧 [email protected]
📲 (336) 681-6955
January is the month of possibilities! If owning a home is on your agenda, I'm here to help you achieve that goal. Let's start the journey together!
📧 [email protected]
📲 (336) 681-6955
From keys to heartfelt words, my clients make it all worthwhile. Thank you for your testimonials and for choosing us as your mortgage partner! 🤍
Did you know real estate investments help you retire? If you have been paying on your mortgage throughout your working years, you will experience greater cash flow as you near the end of your mortgage term and the principal is paid off. Say hello to more time with the pups! 🐶
If you're a first-time buyer, you'll be thrilled to hear that the Federal Housing Finance Agency (FHFA) is offering a special mortgage rate discount to make homes more affordable.
To qualify, you need to be a first-time buyer, use a conventional 30-year fixed-rate mortgage, and earn an income at or below the typical household income for your area.
The best part? Eligible buyers can get mortgage rate discounts of up to 1.75 percentage points, which could translate to a 20% reduction in your monthly mortgage payments!
Behind every successful mortgage, there's a carefully calculated Loan-to-Value ratio. It's not just numbers; it's the roadmap to financial success. Your dream home is closer than you think!
📧 [email protected]
📲 336-681-6955
Did you know that you could be saving thousands of dollars every year on your mortgage?
By using a mortgage rate buy down, you can save thousands of dollars over the life of your loan, making your home more affordable and freeing up loads of cash.
If you're interested in learning more about this smart financial move, I'm here to help. Drop a comment below with your thoughts or questions 👇🏼
Interest rates can be a major factor in deciding when to buy or sell real estate, and keeping up with their constant changes can feel like a full-time job.
But fear not, because I'm here to share some tips to help you stay on top of these rates without breaking a sweat ➡️
If you’re facing a tighter-than-you-’d-like budget this January, lowering your monthly mortgage payment might be easier than you think. Sharing 4️⃣ ways to consider:
1️⃣ Drop PMI
If you've paid down your mortgage to the point where you have 20% equity in your home, you might be eligible to remove Private Mortgage Insurance (PMI). It's a great feeling — suddenly, everything feels lighter. Just keep in mind that for your PMI to be canceled, you need to be current on your payments.
2️⃣ Extend your loan term
Think of your mortgage like a pie. The longer the term, the smaller the slices (or monthly payments). Extending your loan term can reduce your monthly payment, though it might increase the total interest paid over time.
3️⃣ Recast your mortgage
This is a lesser-known but effective method. By making a large lump-sum payment towards the principal, you can have your lender recalculate (or "recast") your loan based on the new balance. This could significantly lower your monthly payments.
4️⃣ Shop around for homeowners Insurance
Don't settle for the first insurance rate you find. Shopping around can uncover better deals — you might be surprised at how much you can save. Just be careful. Given the uptick in natural disasters and rising rebuilding costs, some insurers are hesitant to write new policies.
Want to explore these options or find more ways to optimize your real estate investments? Let’s connect and chat! Helping you make the best decisions for your home and wallet is what I do best 📲
On the hunt for a new home? You may be asking yourself, 'How much house can I afford?' It's a question we've all wondered.
There's a simple formula to help you understand how much debt you can take on when hunting for a home, and it's called Debt-to-Income (DTI).
Swipe to learn how to calculate it for yourself! ✨
Searching for the perfect mortgage but tired of the same old options? You're in the right place!
Here are three lesser-known loan types that might be your ticket to homeownership. Keep in mind each loan type has its own criteria and benefits, so be sure to reach out to me to determine the best fit for your next home 🏡
Buyers, I don't want you to be stuck in a loan for 5, 15, or 30 years that isn't right for you. You deserve more when buying a home, so keep asking and keep pushing until you feel confident in your mortgage (and the people helping you along the way).
Please tag anyone you know planning to buy this season - and if you're looking for a broker or have questions about buying, send me a message. That's why I'm here!
📧 [email protected]
📲 (336) 681-6955
Are you ready to take control of the mortgage process and move closer to your dream home? Let’s do this! ➡️
Don’t let the mortgage process intimidate you. Bookmark this guide for later so you can refer back to it when you’re ready. If you have any questions, don’t hesitate to reach out, I’m here to help!
Cheers to a new year and continued success on your homeownership journey! Grateful for the trust you've given me throughout 2023. Here's to more milestones and homes financed in 2024! 🥂
Big news 🚨 The conforming loan limits and FHA loan limits have taken a leap upwards! This means more opportunities for homeownership and expanded financial horizons. Whether you're dreaming of a new home or looking to refinance, these changes could be a game-changer. Ready to explore the expanded possibilities? Let's chat! 📲