Christine Small NMLS# 149002 - Movement Mortgage

5.0 star review received on Experience.com for Christine Small by Nicholas N - Christine did a great job keeping us informed, up to speed and calm about the whole process. Her efforts have made our second closing with Movement very easy.

New ★★★★★ 5 Star Experience.com Review by Nicholas N Click to see all 32 reviews of Christine Small, Loan Officer

5.0 star review received on Experience.com for Christine Small by Jason B - Christine was available and responsive through the entire process. She kept me up to date on what was need and what was happening next. Communication is paramount when purchasing a home. Her communication with me during the process was incredible. I know the reason why the transaction went so smoothly its because of Christine I would recommend her to anyone.

New ★★★★★ 5 Star Experience.com Review by Jason B Click to see all 31 reviews of Christine Small, Loan Officer

5.0 star review received on Experience.com for Christine Small by Vinod M - Great service and communication and smooth loan processing

New ★★★★★ 5 Star Experience.com Review by Vinod M Click to see all 30 reviews of Christine Small, Loan Officer

5.0 star review received on Experience.com for Christine Small by Lori S - Christine’s communication with bit myself and our client was always clear and precise. He handled everything with the utmost professionalism. I’m looking forward to working with her again

New ★★★★★ 5 Star Experience.com Review by Lori S Click to see all 29 reviews of Christine Small, Loan Officer

5.0 star review received on Experience.com for Christine Small by Christopher R - Christine went above and beyond my expectations. She always had an answer for my questions, and explained every detail so I fully understood every step. As a first time home buyer everything was new to me, Christine never left me in the dark on what was going on. The online portal and ability to upload documents was phenomenal and easy to use. I highly recommend Christine!

New ★★★★★ 5 Star Experience.com Review by Christopher R Click to see all 28 reviews of Christine Small, Loan Officer

☀️🎈First Time Home Buyers🎈☀️

Do you have a VA loan? You could benefit from a full 1% price reduction* on a VA Cash-Out refinance to unlock your home’s potential. Perfect for debt consolidation, home improvements, and other financial needs. Limited time only – contact me to take advantage now!**

*All eligible Veterans and Reservists must meet all VA income, asset, and property requirements. VA loans require a VA Funding Fee that may be financed into the loan or paid out of pocket at closing. Other VA-permissible fees may apply. 1% Pricing Improvement will be applied as a loan level pricing adjustment on in-house VA cash out refinance transactions at lock request. This offer includes standard and high balance VA Loans on Movement Mortgage in house programs only. This offer excludes brokered, renovation, private investor and bond programs or for active locks received on or before 06/14/2024. Offering is subject to change without notice. Eligibility based on lock requests received on or after 06/14/2024 through 07/31/2024. Fixed VA 30 and VA 15 programs only (standard and HB).

**Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration, or any government agency.

http://www.movement.com/christine.small

What's the definition of a BLENDED HOUSEHOLD RATE?
It takes into account not only your mortgage interest rate, but also the rate on your credit card balances, car loan, personal loans and maybe even your equity loan. Debt and Equity in your home have never been higher, while our savings accounts are lower. Using the Equity in your home could save you hundreds per month by doing a Cash-Out Refinance to improve your Blended Household Rate. Let's run numbers. Always happy to help.

http://www.movement.com/christine.small

Today, we honor the brave men and women who made the ultimate sacrifice serving our country. We will never forget their courage and bravery while protecting our freedoms.

http://www.movement.com/christine.small

REMEMBER: As a homebuyer, your expenses go beyond the purchase price. A good rule of thumb is to budget 3-5% of the home for closing costs, which include things like inspections and appraisals.

http://www.movement.com/christine.small

IMPORTANT KNOWLEDGE TO SHARE.............
In light of the pending NAR settlement, Fannie Mae and Freddie Mac have updated their policies to provide clearer guidelines on how sellers can contribute to the buyer’s agent commissions. Buyer’s agency commissions can be paid by the seller without counting against the usual 2-9% limits of seller contributions (depending on occupancy). Dive into the details and understand what this means for your next home purchase or sale in our latest blog post!

https://movement.com/blog/2024/04/clarifications-to-buyers-agent-commissions

Don’t tune out reverse mortgages just because you haven't retired yet!

Homeowners as young as 62 may qualify to tap into their home’s equity WITHOUT giving up ownership of their home*. PLUS, qualified borrowers can say goodbye to monthly principal and interest mortgage payments**.

See, we told you that'd be worth tuning in for. ;)

*Qualified borrowers only. An underwriter will review, but not limited to, credit history, property charge history, and residual income to ensure the loan is likely to be a sustainable solution for the household. **Borrower is required to pay all property charges, including, but not limited to, property taxes, insurance and maintenance. ***This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency.

5.0 star review received on Experience.com for Christine Small by Steven T - Christine was very knowledgable in every aspect of my experience. She was not only helpful, but made me feel very welcomed to something I had never done before. She always had above average communication skills, and no question went unanswered. Everything she did and said was always in a very timely manner, and overall I could not be happier with my experience, and outcome.

New ★★★★★ 5 Star Experience.com Review by Steven T Click to see all 22 reviews of Christine Small, Loan Officer

5.0 star review received on Experience.com for Christine Small by Molly P - Christine was always reachable when we needed her. Once we got an offer accepted I was so impressed at how quick and smooth the underwriting and approval process was. 10/10 recommend!

New ★★★★★ 5 Star Experience.com Review by Molly P Click to see all 21 reviews of Christine Small, Loan Officer

Looking to Buy a House? Let's Talk 🏡About Your🏡Financing Options

Congratulations to Ryan Hayes for being elected as the 2024 MMBA Chair. Also a special shout out to Todd Bettinson Senior Mortgage Loan Officer NMLS 1027466, for being a 2024 Rising Star!
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"My hope for my term as chair of the MMBA is to lean back into this important function. You will see more networking, including regional networking events and my ask is that the people in this room support these functions. Support them like you did early in your career. Bring along your best performers, show them the value of having a “friend” at another company to work through problems. Explain to them the value will be much greater than the next training call they will be on. I am looking forward to 2024 because anytime this group has faced adversity the professional in this room have flourished. I am honored to be a part of this group." - Ryan Hayes

Massachusetts Mortgage Bankers Association

☀️It’s been a while since we saw our pretty sunset here so feeling thankful for tonight☀️

DID YOU KNOW: Multifamily loans only require 5% down??

That’s right! You can say goodbye to hefty down payments because Fannie Mae updated their requirements for multifamily homes, which means starting November 18, 2023, you can purchase a 2-4 unit primary residence with just 5% down*. This can offer more affordability when it comes to owning a rental property.

Interested in how this could work for you? Reach out to me to learn more!

http://www.movement.com/christine.small

Getting a reverse mortgage at the beginning of retirement is always better than waiting! Reach out for more information!

Yup, you read that right!

But what is a reverse mortgage anyway?

It allows qualified buyers who are 62 or older to access a portion of their home’s equity without giving up any ownership of their home and without required monthly principal and interest mortgage payments*. (No monthly mortgage payment? Count us in!)?

If you (or someone you know!) are getting ready for retirement and are thinking about a reverse mortgage, reach out to a Movement loan officer today to learn more!

*Qualified borrowers only. An underwriter will review credit history, property charge history, and residual income to ensure the loan is likely to be a sustainable solution for the household. Borrower is required to pay all property charges, including, but not limited to, property taxes, insurance and maintenance.

Last night our doors were open to our community and beyond🎃
We shared treats with kids, adults and even many pets
❤️Love Old Wethersfield ❤️

Reach out to me today to learn more about purchasing a home in retirement using the reverse for purchase loan!

Looking to increase your chances of getting approved for a mortgage or getting a better interest rate?

Understanding your loan-to-value ratio — aka LTV — is an important first step. This blog explains what LTV is, how it affects your mortgage + 6 ways to improve it.

https://movement.com/blog/2023/10/6-ways-to-improve-loan-to-value-ratio

This morning’s jobs report capped off a week of data the Fed may not have expected to see. The market is anticipating the Fed’s next move and that may have an effect on rates in the short term. Find out what you need to know in this week’s Market Update.

https://movement.com/blog/2023/10/feds-attention-turns-to-elevated-jobs-report

NOT JUST FOR FIRST TIME HOME BUYERS.......Are you applying for an FHA loan? With Movement Boost, you could cover your entire FHA down payment plus 1.5% to put toward closing costs via a repayable second lien with a 10-year amortization term and a rate at 2% above the first lien rate. When you’re ready for a BOOST, reach out to a Movement loan officer! For qualified borrowers. Additional restrictions apply.

You’ve got big goals. Maybe that’s starting a business, paying off high-interest debt or finally renovating the kitchen of your dreams…whatever your goals, a Home Equity Line of Credit might be the answer! Apply in minutes and borrow exactly what you need without affecting your current interest rate. Reach out to learn more or to get started today!

Are you applying for an FHA loan? With Movement Boost, you could cover your entire FHA down payment plus 1.5% to put toward closing costs via a repayable second lien with a 10-year amortization term and a rate at 2% above the first lien rate. When you’re ready for a BOOST, reach out to a Movement loan officer! For qualified borrowers. Additional restrictions apply.