The Todd Reynolds Team - CrossPoint Home Loans, LLC nmls#918636

Happy 4th from all of us at CrossPoint Home Loans!!🎆🇺🇸☀️

Grateful for the people we get to work with! We would love to help YOU! Give us a call today📞

Communication is Key 🗝️🏡

Embarking on your homeownership journey?

💬 Clear and open communication with your loan officer is essential for a smooth mortgage process:

Understanding Your Needs: We are here to listen to your goals and tailor a mortgage solution that fits your unique circumstances.

Guidance Every Step of the Way: From application to closing, we are your trusted advisor, providing clarity and support at every stage.

Addressing Concerns Promptly: Have questions or uncertainties? Don't hesitate to reach out! We are committed to addressing your concerns promptly and effectively.

Your dream of homeownership is within reach, and I'm here to make it a reality. Let's start the conversation today! Give me a call or shoot me an email to begin your journey.

🏡 Did You Know? 🤔💡

Did you know that there are multiple types of mortgage loans available to suit different financial situations? Here's a helpful insight from your trusted Mortgage Loan Officer:

🔍 Fact Check: Exploring Mortgage Options

While many people are familiar with conventional fixed-rate mortgages, there are other options worth considering:

Adjustable-Rate Mortgage (ARM): Offers an initial lower interest rate, which adjusts over time based on market conditions.

FHA Loan: Backed by the Federal Housing Administration, these loans often require lower down payments and have more flexible credit requirements.

VA Loan: Available to eligible veterans, active-duty service members, and their families, these loans often feature competitive interest rates and require no down payment.

USDA Loan: Designed for rural and suburban homebuyers, these loans offer low to no down payment options and competitive interest rates.

Understanding the variety of mortgage options available can help you find the one that best fits your needs and financial goals. Ready to explore your mortgage options? Let's connect! Drop a comment or send me a message to start your journey to homeownership.

Thinking about purchasing your dream home? Here's a crucial piece of advice from your trusted Mortgage Loan Officer:

💡 Insider Tip: The Importance of Documentation

Gathering the necessary documentation is vital for a smooth mortgage application process:

Income Verification: Be prepared to provide pay stubs, tax returns, and bank statements.
Asset Details: Document any savings, investments, or other assets.
Debt Information: Disclose all outstanding debts, including loans and credit card balances.
📄 Having your documentation in order speeds up the approval process and ensures a stress-free home buying experience! Ready to get started? Let's discuss your mortgage options today! Drop a comment or send me a message to begin your journey to homeownership.

There is so much fun you can have at home in DFW this week! Here are some great places for the whole family!

• Fort Worth Zoo
• Dallas Museum of Art
• Legoland Grapevine
• Six Flags Over Texas
• Fossil Rim Wildlife Center
• Dallas Arboretum
• Dallas Aquarium
• Fort Worth Stockyards

🏡 Avoiding Common Mistakes in the Mortgage Process 🚫

With the right knowledge and Loan Officer, you can sidestep common pitfalls. Here are some tips to help you stay on track:

Know Your Budget: Before you start house hunting, determine how much you can afford to borrow. Be realistic about what you can comfortably repay each month.

Check Your Credit Report: Errors in your credit report can affect your mortgage application. Review your report and address any inaccuracies to ensure your credit score is accurate.

Avoid Major Financial Changes: Large purchases or opening new lines of credit can impact your debt-to-income ratio and jeopardize your mortgage approval. Hold off on major financial decisions until after your loan closes.

Get Pre-Approved: Don't skip the pre-approval process. It gives you a clear idea of how much you can borrow and makes you a more competitive buyer in the eyes of sellers.

Stick to Your Budget: While it may be tempting to stretch your budget for a dream home, stay within your means. Factor in additional costs like property taxes, insurance, and maintenance.

Shop Around for Rates: Don't settle for the first mortgage offer you receive. Shop around and compare rates from multiple lenders to ensure you get the best deal possible.

Understand Your Loan Options: Educate yourself about the different types of mortgages available and choose the one that best fits your financial situation and long-term goals.

Communicate with Your Lender: Stay in close contact with your lender throughout the process. Provide any requested documentation promptly and ask questions if you're unsure about anything.

Be Prepared for Closing Costs: Closing costs can add up, so make sure you have enough funds set aside to cover them.

Don't Make Any Sudden Changes: Avoid making any significant financial moves, such as changing jobs or making large deposits or withdrawals, during the mortgage process.

By avoiding these common mistakes, you can streamline the mortgage process and move one step closer to achieving your homeownership goals. Got questions? I'm here to help! 📝🏠

Are you ready to turn the key to your dream home? 🏠 Let's make sure you're equipped with the right knowledge!

💡 Pro Tip: Understanding Debt-to-Income Ratio (DTI)

Your DTI ratio is a key factor in determining your mortgage eligibility and affordability:

Calculate Wisely: Add up all your monthly debt payments and divide by your gross monthly income.
Ideal Range: Aim for a DTI ratio below 43% to qualify for most conventional mortgages.
Manage Debt: Pay down existing debt to improve your DTI and strengthen your loan application.
📊 Knowing your DTI ratio puts you in control of your financial future! Ready to explore your mortgage options? Let's chat! Check out www.crosspointhomeloans.com to get started on your homeownership journey.

Unfortunately our team hasn’t had a chance to all get together for a team picture in a while, but thankfully due to today’s technology you can’t even tell!

Happy Birthday to the one and only, Todd Reynolds! 🎉We are so thankful for the leader that he is. We are so proud and honored to work for someone who demonstrates the importance of serving others well.

Join us in celebrating Todd!!🎉🎉

Embarking on the journey to homeownership? Let's make it a smooth ride together!

🔑 Insider Tip: Understanding Pre-Approval

Before you start house hunting, secure your financial footing with a pre-approval:

Know Your Budget: Get clarity on how much home you can afford.
Stand Out: Sellers take pre-approved buyers more seriously.
Peace of Mind: Lock in your interest rate and streamline the buying process.
📈 Ready to take the first step? Let's get you pre-approved and closer to your dream home! Drop a comment, call or shoot me an email to get started.

From all of us at CrossPoint Home Loans! ♥️

“Love is patient and kind; love does not envy or boast; it is not arrogant or rude. It does not insist on its own way; it is not irritable or resentful; it does not rejoice at wrongdoing, but rejoices with the truth. Love bears all things, believes all things, hopes all things, endures all things.”
1 Corinthians 13:4-7

Happy happy birthday to one of our awesome Loan Officers, Randy Rodgers! Thank you for all the hard work that you do and for always bringing new ideas to the table! We are so grateful to have you on our team!

Join us in wishing Randy a happy birthday!🎉🎈

Who are you working with?! Part 2 of reasons why it is so important to find a Loan Officer that you can trust! Reach out to us!
www.crosspointhomeloans.com

Dreaming of a home to call your own? 🌟 I'm here to turn those dreams into reality! As your dedicated Mortgage Loan Officer, I want to share a crucial piece of advice to help you on your path to homeownership.

🔑 Pro Tip: Understanding Down Payments

Did you know that the down payment is a key factor in your mortgage journey? Here's a quick breakdown:

Save Smart: Start saving early to meet your down payment goal.
Explore Options: Learn about down payment assistance programs that may be available to you.
Plan Ahead: Understand how your down payment affects your monthly mortgage payments.
💡 Knowledge is empowerment! If you have questions or need personalized advice, I'm just a message away. Let's chat about your homeownership goals and create a plan tailored to you!

📩 shoot me an email or give me a call. Your dream home awaits! 🏠

Who are you working with!? Part 1 of reasons why it is so important to find a Loan Officer that you can trust! Reach out to us!
www.crosspointhomeloans.com

Here's a quick tip to kickstart your path to your dream home:

📈 Tip of the Day: Understanding Your Credit Score

Your credit score plays a crucial role in mortgage approvals and interest rates. Aim for a higher score by:

Paying bills on time ⏰
Reducing credit card balances 💳
Avoiding new credit applications 🚫
🌟 A strong credit score opens doors to better mortgage options and lower rates!

Have questions or ready to take the next step? Let's chat! Comment below or send me a direct message. Together, we'll find the mortgage that suits your unique needs.

🏡🌟 Unlock Your Homeownership Dreams! 🌟🏡

Hey there, future homeowners! 🏠✨

Navigating the world of home loans can be a bit overwhelming, but fear not—I'm here to guide you every step of the way! As your friendly neighborhood Loan Officer, I'm here to make the process smooth and stress-free.

🔍 Why Choose Us?
✅ Expert Advice: Personalized guidance to suit your unique financial goals.
✅ Wide Range of Options: From first-time homebuyer programs to refinancing solutions—we've got you covered.
✅ Transparent Communication: No jargon, no hidden fees—just clear and honest communication.

💡 Did You Know?
Owning a home is not just a dream—it's a solid investment in your future! Let's chat about how we can turn your homeownership dreams into a reality.

📬 Drop me a message or give me a call! Your dream home awaits, and I'm here to help you get the keys to your future. 🗝️🏡

New year, new start! We want to help you get into the home of your dreams! Give us a call so we can answer any questions you have!
www.crosspointhomeloans.com

Start off the year feeling accomplished! Here's a New Year's resolution that saves you money AND we do the work! www.crosspointhomeloans.com

Are you thinking of buying a home? It's important to ask yourself more than just, "Is this a good time to buy?" Ask yourself these questions!

1. Can you comfortably afford the monthly payment?
2. Do you have cash to close?
3. Do you know where you want to live?
4. How long do you plan to live there?

Give us a call so that we can find the best options for you!

Let’s make your homeownership dreams a reality!🏠🎁

Embarking on the home-buying journey? Here's what YOU should know🌟 From navigating loan options to securing the best rates, we're here to help you through the process. Swipe left to uncover essential tips!

Check out these fun Christmas Activities that the whole family can enjoy!

Dallas Arboretum’s 12 Days of Christmas - Dallas, TX

North Pole Express/Polar Express - Grapevine, Tx

Fort Worth Botanical Gardens Lightscape - Fort Worth, TX

Christmas & ICE! at Ga***rd Texan - Grapevine, Tx

Texas Wild! Wonderland at Fort Worth Zoo - Fort Worth, TX

Zoo Lights at Dallas Zoo - Dallas, TX

Radiance! Frozen in Frisco - Frisco, Tx

The immersive Nutcracker - Dallas, Tx

Peace Plaza Ice Skating Rink - Grapevine, TX

Christmas in the Square - Frisco, Tx

The Light Park - Arlington, Tx

We would like to introduce the new addition to our team at CrossPoint Home Loans, Joe Stallings!

Joe Stallings is a native Texan, born in Houston, raised in Huntsville and currently living in the Texas Hill Country. He moved to San Antonio his senior year of high school and met his bride to be shortly after. Working as a mortgage lender with Crosspoint Home Loans, Joe helps folks out purchasing or refinancing their homes as well as financing new construction.

After high school, Joe went to check out the automotive business then ended up making a 25 year career out of it. In 2019 he left the car dealership for a new career in mortgage lending. Joe is an active member of Riverside Community Church. He serves at Riverside, The Hope Center, Christian Men of Business, Believers Buyers Group and Walk to Emmaus.

Joe and his wife Becky have lived in Spring Branch for 24 years. They have three children Jacob, Zachary and Juliet.

Join us in wishing one of our LO’s, Jordan DePrang, a BIG happy birthday!! We are so thankful for you and for all the fun and laughter you bring to the team!