Motto Mortgage Midwest - NMLS 1959963

School supplies purchased. Last-minute doctor appointments made. Met the new teacher. Ahh, the joys a new school year brings. 📚 🎒

To all the parents helping their children embark on a new school year, we wish you the best of luck! Who knows, now you might even be able to keep the living room clean for more than five minutes while the kids are away. 😉

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. Send us a message!

Ahh, the dreaded 20% myth. Just like swallowed gum doesn’t stay in your stomach for 7 years, most homebuyers don’t have 20% to put down as a down payment. Thankfully, there are mortgage options that can help put customers into a home for as little as 3% down. 🏠

Want to know more about your down payment options? Let’s talk today.

🔑 **Unlock Savings with Motto Mortgage Midwest!** 🔑

As interest rates drop, it might be a good time to refinance your home and secure a lower monthly payment! Whether you're looking to reduce your interest rate, shorten your loan term, or tap into your home's equity, our team at Motto Mortgage Midwest is here to guide you every step of the way.

💸 **Why Refinance Now?**
- Lower your monthly mortgage payments
- Pay off your mortgage faster
- Access cash for home improvements or debt consolidation

Don’t miss out on a opportunity to save! Contact us today and let's explore your options together. 🏡💰

Motto Mortgage Midwest - NMLS 1959963 As an independent mortgage brokerage, we work hard to shop and compare home loan options for you.

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. Call or text us at 515-346-8293 to get started!

In most situations, confidence is key and the homebuying experience is no exception.

Our goal is to ensure borrowers feel confident throughout their homebuying journey by arming them with mortgage education and loan options.

Let’s talk about mortgages today.

Who wouldn’t want a personal shopper to handle the nitty-gritty for them? Someone who knows their exact tastes and preferences? Someone who has their best interest at heart?

While we can’t go to the store on your weekly grocery run, we're here to help shop the hundreds of loan products out there until we find your perfect fit.

Want a personal mortgage shopper? Message us today. 🛒

🤔 Do you know the current value of your home?

In today’s housing market home values are constantly fluctuating – message me 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.

💰💵 Could you use some extra cash right now?

Whether it’s an unexpected expense or an upcoming tuition bill, your home’s equity could be the solution. Send a message to see if a cash-out refinance works with your financial goals.

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. 💰

We are excited to announce that Amy Vollmer has joined the Motto Mortgage Midwest team as a loan officer in our Moline Branch. Amy brings 30+ years of mortgage originating experience and will be a great addition to our team.

For any home financing needs in Iowa and Illinois, reach out to Amy at (563) 340-5626 or [email protected]

Please join me in welcoming Amy to the Motto Mortgage family!

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? Message us for details. 🏠

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? For more details, call or text us at 515-346-8293 📄

If you’ve researched the homebuying process, you’ve probably seen information about what to do before you buy. What about the stuff you should not do? It might be tempting, but you should not tour homes drastically outside your budget. Need help determining what your budget is? Send us a message and we will get the pre-qualification process started. 📝

Wishing you a festive, memorable, and safe Fourth of July! 💥

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? Message us for details. 💰

Purchasing a home can be one of the best long-term investments you make. It can also be one of the most intimidating. Before you take on homeownership, it is a smart move to talk with a mortgage professional to see if buying a home aligns with both your short-term and long-term goals. Ready to discuss homeownership?

Message us today or call/text us at 515-346-8293 🤝

We remain committed to the work ahead towards equality for all.

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 Midwest knows unique homeownership goals are only possible with a variety of loan products to choose from.

Send us a message and we will figure out which loan product works best for you. 🏠

Child: “Dad, I’m cold.”
Dad: “Go stand in a corner. It’s 90 degrees.”
Sound familiar? Then you probably have one cool pop-sicle (or, you might be one yourself). 👨‍👦🧊
Happy Father’s Day!

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. Message us to get started. 🏠

“As we express our gratitude, we must never forget that the highest appreciation is not to utter the words, but to live by them.” - John F. Kennedy

Exciting news! We can now offer a $0 down Conventional loan for qualifying borrowers. Please reach out for details if you're working with any buyers who need down payment assistance.

🤯 Purchasing a home is a huge step and an exciting milestone. But sometimes, the unexpected cost of homeownership can be intimidating to buyers, especially first-timers. 😱

From closing costs to insurance to taxes, there is plenty to keep track of – that’s why we are here to help you navigate the buying process. Feel free to message us with any questions.