Emilio Morales at Guaranteed Rate NMLS# 1026607

While adjustable-rate mortgages (ARMs) aren’t for everyone, they’re a great option for buyers looking for a short-term savings—offering a lower interest rate for an initial period of the loan before adjusting.
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You hear a lot of news from D.C. about housing, financing and homeownership, but how does that actually affect your homebuying experience? We help you understand what you should be paying attention to: http://ms.spr.ly/6182dWf04

If you’re just shopping without a preapproval in hand, you will lose out on the home as you have to spend time getting your financing in place. There’s also the likelihood that you might overestimate how much you can afford.
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Worried about rate jumps? We’ve got your back with Lock N’ Roll, which lets you lock a low rate for up to 90 days… and get a lower rate if they dip. http://ms.spr.ly/6184dckTa

With home prices finally starting to taper off, and home-building and new listings beginning to increase, the market is showing signs of “cooling off.”
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With right around the corner, we take a moment to consider seven reasons why we are thankful for the current housing market in 2022: http://ms.spr.ly/6188d9D6C

Don’t be scared with demands of “best and final”. PowerBid shows sellers your income and assets are verified, you’re a qualified borrower and your offer is a strong one. http://ms.spr.ly/6181djT1W

Underwriting is probably the most important aspects of the mortgage process. It’s where your lender decides if you’re a good candidate to repay the loan. Find out how to prepare to impress your underwriter. http://ms.spr.ly/6189dbVlF

Typically, the spring homebuying season is the busiest with more buyers, driving up home prices. So, buying outside of the traditional hot season can work to your advantage.
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Mortgage rates have shown some extreme volatility over the last few months. We dig into what’s behind this rollercoaster ride and how can you get a mortgage without feeling queasy. http://ms.spr.ly/6183dXiNL

Since the Fed started tracking the Median Sales Price of homes, as of 1963 home values have - for the most part - steadily increased. And that’s through seven of the eight recessions. So if you’re waiting to buy when rates go down, what will you be missing out on as home values rise?
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There are many differences between lenders beyond the rate they are willing to quote you, and these differences could significantly affect your homebuying experience.
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Mortgage fraud, phishing scams and other risks have the potential to derail your homebuying dreams. Here’s how to protect yourself and your transaction from these bad actors. http://ms.spr.ly/6183dPnwL

Worried about rate jumps? We’ve got your back with Lock N’ Roll, which lets you lock a low rate for up to 90 days… and get a lower rate if they dip. http://ms.spr.ly/6188dOzLm