Fred Kreger - Experiences That Matter NMLS 214640/1850

Navigating the mortgage application process can be daunting, but we are here to guide you every step of the way. Check out the blog below for 8 essential questions you should ask about mortgages. Have more questions? Let's connect today!
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8 Questions Homebuyers Should Ask About Mortgages Expert insights and tips for first-time homebuyers on important questions to ask when securing a mortgage. Get the lowdown on down payments, monthly payments, closing costs, and more.

You can handle whatever you face.

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ATTENTION REALTORS!
Expand your business with Reverse Mortgages!
Be part of the top 3% of Realtors who know how this powerful tool will create more
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DATE: Wednesday July 17th
TIME: 1pm CST
LOCATION: ZOOM
RSVP: https://apmortgage.zoom.us/meeting/register/tZcodu2qqD4tGNf5geLY5zdrApmeykuTRI56 #/registration

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🎉 Happy Flag Day! 🇺🇸 Today, we honor the symbol of our nation's unity and freedom. Let's celebrate the red, white, and blue, and reflect on the values that make our country great. Fly your flag high and proud!

How can you overlap the things you enjoy?

For example, maybe you want to exercise and spend time with your spouse. What type of exercise sounds fun to do with your spouse?

Or perhaps you'd like to hang out with friends and build your career. How can you find ways to work with people you like being around?

It doesn't always work, but there are usually a few areas of life you can overlap in an enjoyable way. Look for the overlap

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The of 100 Rule:
If you spend 100 hours a year in any discipline (18 minutes a day), you'll be better than 95% of the world in that discipline.

Consistency is KEY

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Excited to be ranked #13 Top VA Mortgage Lender by Scotsman Guide! A big thank you to our veterans, dedicated team, and loyal clients!
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CHOICERenovation® is your solution for financing home improvements. Renovation Loans create HUGE value for Homebuyers.
We're renovation loan specialists here to help NAVIGATE through the process.
Call us today to learn more !!
Together, We Bring You Home!

It's remarkable how often the real problem is not what happened, but how it was communicated.

"On this day in 1944, the tides of World War II turned with the historic D-Day landings. In a daring operation, thousands of Allied troops stormed the beaches of Normandy, France, facing devastating gunfire to begin the liberation of Western Europe from N**i occupation.

Their exceptional courage and sacrifice on those bloody Norman beaches allowed the Allies to gain a foothold and make the eventual defeat of Hitler's forces possible. By the day's end, over 10,000 Allied soldiers had been killed or wounded.

We owe an immense debt of gratitude to those who gave their lives in the D-Day invasion. As Gen. Dwight D. Eisenhower said, 'The free men of the world are marching together to Victory...We will accept nothing less than full Victory!'

On this solemn 79th anniversary, we pause to honor the incredible bravery and heroism displayed during the Battle of Normandy. Their selfless actions helped preserve freedom and human dignity. We shall never forget their valiant sacrifices."

"They fought not for the lust of conquest. They fought to end conquest. They fought to liberate."
- Author Stephen Ambrose-

It's H O M E O W N E R S H I P month and we're all over it! Let's talk about how we can get YOU into your dream home whether it's your first or your next!

Three ways to learn something new:

Reflect on what you have already tried.
Attempt something you have not tried.
Read about what someone else has tried.

The Department of Veterans Affairs is temporarily allowing buyers to pay for their own real estate agents. This change will stick around until the agency decides to make a formal rule, according to a VA official at a Mortgage Bankers Association conference.

Your life will not magically exceed your standards. Improve your boundaries and life improves too.

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Memorial Day may represent the beginning of Summer, but it has a greater and deeper meaning. We should demonstrate gratitude, respect, and remembrance for those who made the ultimate sacrifice in service to the nation.

Here are some good activities to honor Memorial Day:

1. Attend a Memorial Day parade or ceremony: Many communities hold parades and memorial services to honor fallen soldiers. Attending these events is a way to show respect and gratitude.

2. Visit a national cemetery or war memorial: Pay your respects by visiting a national cemetery, war memorial, or monument dedicated to those who sacrificed their lives for the country.

3. Participate in the National Moment of Remembrance: At 3:00 PM local time on Memorial Day, pause for a minute of silence to honor those who died in service.

4. Display the American flag: Fly the American flag at half-staff until noon to honor the fallen, then raise it to the top of the staff for the remainder of the day.

5. Volunteer or donate to veteran organizations: Support organizations that provide services and assistance to veterans, their families, and the families of fallen soldiers.

6. Learn about the history of Memorial Day: Educate yourself and others, especially children, about the significance and origins of Memorial Day.

7. Watch or participate in a Memorial Day parade: Many communities organize parades featuring military personnel, veterans, and civic groups.

8. Decorate graves of fallen soldiers: Visit cemeteries and place flags, flowers, or other decorations on the graves of those who died in military service.

9. Attend a memorial service or concert: Many communities hold special memorial services, concerts, or events to honor the sacrifices of fallen soldiers.

10. Share stories and memories: If you have personal connections to fallen soldiers, share their stories and memories with others to keep their legacies alive.

DSCR, or Debt Service Coverage Ratio is used to help you qualify to purchase investment property without using your personal income. This can be a game changer in buying or refinancing - and help you build your investment empire!

What is DSCR? - American Pacific Mortgage DSCR, or Debt Service Coverage Ratio is used to help you qualify to purchase investment property without using your personal income. This can be a game chang...

Investing in real estate doesn’t have to be hard, and it doesn’t have to be stressful. There are a few paths to building wealth through real estate. You can simply occupy your primary residence long term and watch it appreciate as you go about the activities of daily living.

https://apmortgage.com/blog/how-to-build-wealth-with-real-estate

Want to learn more? Let's connect!

(515) 233-5046

How to Build Wealth with Real Estate Learn how to build wealth through real estate with strategies like property appreciation, rental income, leverage, tax benefits, flipping properties, and buy-and-hold investments. Explore more insights on real estate investing.

You'll probably surprise yourself with what you can accomplish—if you're focused on one thing.

You'll probably frustrate yourself with what you fail to accomplish—if you're doing 5 or 7 or 10 things.

Nobody performs well when stretched in a half dozen directions.

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Let's collaborate and get those deals done!
Contact us to learn more.
(515) 233-5046
www.Globalstatemortgage.com

Together, We Bring YOU Home!

Unspoken boundaries often cause frustration. What is one area of your life where you would benefit from having clearer boundaries, but haven't voiced them yet?

Attention Financial Planner: Based on a peer-reviewed study in the Journal of Financial Planning, learn how a withdrawal strategy can dramatically increase retirement portfolio gains while reducing risk by 700%.
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Attention Financial Planner: Based on a peer-reviewed study in the Journal of Financial Planning, learn how a withdrawal strategy can dramatically increase retirement portfolio gains while reducing risk by 700%.

Global State Mortgage, a division of American Pacific Mortgage
Presents: Preparing for the Rebound - A New Discovery in Risk Reduction

Click Below to Register.

https://hightechlending.zoom.us/webinar/register/WN_PiwAYVM3SlSkwsde0DvppQ #/registration

"I am always doing what I can't do yet in order to learn how to do it."
-Vincent Van Gogh-

Together, We Bring YOU Home!

Attention Realtors! When transactions get tough, our team steps in to rescue your deals! We work tirelessly to keep your clients on track and ensure smooth closings. Let's collaborate and get those deals done!
Contact us to learn more.
(515) 233-5046
www.Globalstatemortgage.com

Together, We Bring YOU Home!

CHOICERenovation® is your solution for financing home improvements. Renovation Loans create HUGE value for Homebuyers.
We're renovation loan specialists here to help NAVIGATE through the process.
Call us today to learn more !!
(515) 233-5046
www.Globalstatemortgage.com