Motto Mortgage Altius

Loan amount divided by appraisal amount = LTV% (Loan-to-Value). For a conventional loan, an LTV ratio of 80% or lower may look like a better credit risk to lenders. 💰🏡

What if you could put more money in your pocket each month? If your home’s value has gone up, like many other homes across the country, you might be able to consolidate debt with a cash-out refinance. Feel free to reach out and we will see if this is a savvy move for you. 💰

If you don't have a lot for a down payment, Mortgage Insurance may be required. To protect the lender, loans with low down payments may require Mortgage Insurance as an upfront or monthly fee you may be required to pay. 🏠

Today, let's take a closer look at our financial decisions and work toward a more financially secure future! 💰
Our friends at Credit Human have all the tips and tricks: 1. Create or update your spending plan. 2. Set a savings goal. 3. Review your subscription services. 4. Commit to a few positive financial changes (coffee at home, anyone?) 5. Check your credit score.

You can learn more here: https://www.credithuman.com/building-slack/5-ways-to-celebrate-financial-awareness-day

🤠 This ain’t your first rodeo. You know what you want in your next home. And you probably have a good idea of what you want in your mortgage loan too (at least, more of an idea than the first time around).

⭐️ You want the personal support that comes from a local mortgage professional
⭐️ You want to compare home loan options to make sure you’re getting the best deal for YOU
Dude, I’ve got you covered! I offer personalized service and can compare tons of home loan options from lots of mortgage lenders.
It’s local service with national connections.
➡️ Reach out to get your pre-qualification started. No commitment. No joke. ⬅️
www.mottomortgagealtius.com

Underwriting can be tedious but it means you're almost done. Based on home appraisal and your financial documents, an underwriter evaluates whether or not you are a good credit risk for the lender. 💳✅

A home inspection is an assessment of the home and its overall condition. It gives buyers detailed information so a decision to move forward with or walk away from purchase can be made intelligently. 🏠 👀

At Motto Mortgage, we believe diverse homeownership helps create thriving, stable communities. That’s why we’re committed to closing the homeownership gap and therefore better the communities that we live in and serve. Ready to learn more? Feel free to send a message. 🏠

You want to own a house. And that means there’s just one BIG question on your mind...

“How much house can I afford?” 🤔

Enter a few details to get a home budget estimate with this calculator. Then, you can move on to the next big question. Like, “What color will I paint my future kitchen?” ➡ https://calculators.lenderhomepagecdn.com/motto/how-much-can-i-afford

Want the numbers crunched for you? Just send a message and we’ll get started.

Did you know you might be able to shorten your loan’s lifespan by paying a little more each month? Depending on how aggressive you want to be with these extra payments, you could save hundreds or even thousands of dollars in interest. 🤯 Who wouldn’t be interested in that kind of savings?

Let’s crunch the numbers together to see the potential savings or feel free to play with the numbers yourself with an easy-to-use extra payment calculator. ➡️ https://calculators.lenderhomepagecdn.com/motto/extra-payment

Ignorance can be bliss, but not when it comes to your credit score.
Your credit score is an important piece to the mortgage puzzle as lenders will use your credit score to judge your creditworthiness... i.e., how likely you are to pay back your home loan. 🧩
Want to know what home loan products you qualify for with your credit score? Let’s explore your mortgage options together.

They're personal shoppers, cheerleaders, shoulders to cry on... Sometimes even miracle-workers! And we may be biased, but we truly believe they're some of the best mortgage professionals out there. So, on this National Mortgage Broker's Day, send a quick pat-on-the-back to the broker in your life! We all know they deserve it. 🙌

At Motto Mortgage, we believe integrity is fundamental to the home financing process. We strive to make a difference in the lives of the borrowers we serve by facilitating a rewarding, transparent lending experience. Ready to learn more? Feel free to send a message. 🏠

So, why is buying a home typically a smart move in the long run? Because homes tend to appreciate, buying a home allows you to accumulate equity over time. Homeowners may be able to take advantage of their home’s equity by consolidating high-interest debts, paying tuition bills, or even using the funds for home renovations. 💰 🙌

Send a message to learn how you can tap into your home’s equity today.

There’s no feeling in the world quite like receiving the keys to the first home you own. At Motto Mortgage, we know this is a thrilling milestone to achieve and we will be your biggest cheerleaders during the home loan process.

Looking for your mortgage champion? Send a message today. 🥇

Amortization is the process of borrowers paying off their mortgage loan through regular monthly payments. Lenders divide mortgage payments into two buckets, principal and interest. Through amortization, borrowers start off paying mostly interest every month and gradually shift to paying mostly principal.

Questions about amortization? Send a message for details. 💰

" Where liberty dwells, there is my country." - Benjamin Franklin

It might seem like a no-brainer, but lenders must know you can pay back your mortgage loan in order to lend you money. One way to prove this is having a strong employment history whether you’re full-time, contract, self-employed, etc. So, even if you don’t have a traditional job situation, don’t think it is impossible to qualify for a home loan. 🏠 👍

Let’s talk about your options today.

The world might be mostly digital, but you can still count on receiving a physical document that proves you have an ownership interest in your home when you close your loan. Have more mortgage-related questions? Send a message for details. 📄

Simply put, seller concessions are closing costs that the seller has agreed to pay. By negotiating seller concessions, buyers can expect to save on closing costs that typically range from 3 – 6% of the home price. Need more info on seller concessions? Send a message for details. 🏠

Grateful for our amazing clients! Special thanks to Anton Zotov for successfully leading the process from start to finish.
Review quote:
"We had the pleasure of using Motto Mortgage, and our broker, Anton was very helpful and informative in the way the process of buying a house works."
Let's celebrate your life milestones together! www.mottomortgagealtius.com

When house hunting, it is important to keep your likes and dislikes top-of-mind. Hate yardwork? Maybe consider a condo. Have an outdoor furry friend? Prioritizing a place with a yard is going to be key. There is a home for every preference and a home loan that may make it happen. 🙌

Let’s talk about which home loan may make the most sense for you. Send a message to get started. 🏠

We are growing!
We are happy to announce that Darrell Benton has joined our office as a Senior Loan Officer. With over 30 years of experience of serving our community as a real estate agent, mortgage professional and law enforcement officer, Darrell is a valuable addition to our team.
Get in touch and let's work on your next home purchase!
www.mottomortgagealtius.com

Gouda, mozzarella, brie. Sorry for the cheesy message, but we sure do love all you dads! Happy Father's Day! 🧀😜

In today’s housing market home values are constantly fluctuating – send a message today for your no-obligation home equity value review. Who knows, there might even be an opportunity to let your home’s equity work for you through a cash-out refinance. 💰

🧰 A few simple curb appeal projects can change the look and feel of your home, all while increasing its value:

- Clean up the exterior 🧹
- Revamp your front door 🚪
- Install shutters 🪟
- Install outdoor lighting💡
- Plant some flowers 🌻

Whether it is a condo downtown, a townhouse in a trendy neighborhood, or a single-family home in the suburbs, each house hunter has a different vision of their perfect home. Motto Mortgage knows unique homeownership goals are only possible with a variety of loan products to choose from. Send a message and we will figure out which loan product works best for you. 🏠