Stephanie Rothe, Mortgage Loan Officer-NMLS#688496

Unlock the key to homeownership! 🏠 Dive into these essential mortgage vocabulary words and make your dream home a reality. Knowledge is power! 💪🔑

If you're looking to build a home, but have a home to sell first......CALL ME FIRST and do not plan to rent while you build! Wouldn't it be awesome to only move once and qualify for your new home without having to count your current mortgage against you? Stephanie Rothe, Mortgage Loan Officer-NMLS #688496

Summer and Fall are a prime time to buy a home. Here's why! More Listings: enjoy a wider selection of homes on the market. Ideal Weather: perfect for moving and home inspections. End-of-Year Savings: sellers may be more motivated to close before the year ends. Tax Benefits: potential tax deductions for homeowners can start this year. Seize the opportunity and find your dream home today!

Give Michael a call to see this great home in a wonderful area! Give me a call to! I'm local in the Summerfield area myself and would be happy to discuss all your financing options 🤗 Mortgages that mean more and give back to the community!

No Place Like Home 🏡

No refi lender fees*?? Count us in!!

With the Movement Purchase Advantage, qualified borrowers can buy now with confidence that you’ll be able to refinance with no lender fees*. Purchase your home before 12/31/24 and refinance with Movement before 08/31/2025 to qualify!

If you think refinancing might be a smart move for you, contact a Movement loan officer today!

*Conditions and restrictions apply. Must be a conventional or government-backed loan (FHA, VA or USDA). Lender fees do not include fees associated with lock or pricing, including but not limited to, discount points or extension fees or fees passed through to third-parties. All other fees apply. Lender fees will be offset by a lump sum Lender Credit at time of closing and shown on your Closing Disclosure. Texas Lender Doc Review Prep Fee is not waived. Applicant must have made 6 full monthly payments on the purchase loan before the refinance closes to qualify. Refinance must meet agency and investor guidelines. Subject to credit approval. Cannot be combined with any other offer. Limited to the states Movement Mortgage is eligible to conduct business To be eligible to qualify, the borrower will be required to provide a complete application, submit requested documentation, and have their credit pulled. The borrower must also specifically request to participate in Purchase Advantage Program and will not automatically be enrolled into this program. Offer applies to the initial refinance of a purchase-money loan funded by Movement Mortgage LLC between 12/1/2022 and 12/31/2024 that is secured by the same property. Excludes broker, bond, Jumbo, Non-Agency, HECM and HELOC loans. **By refinancing your existing loan, your total finance charges may be higher over the life of the loan. Terms and conditions are subject to change without notice.

I love that my business is built from referrrals and repeat business. Thank you to all my friends, family, realtors and business partners that keep me top of mind 🏡


Building connections and taking care of each client is what I love ❤️ The life long friendships I make is the best part.

If you have questions about how I can find the right mortgage option for you or if you are thinking of selling and would like to know what you can purchase BEFORE you sell your home, I'm happy to assist.

336-340-8511

Stephanie Rothe, Mortgage Loan Officer-NMLS #688496

Don't let a down payment keep you from a home you love.

With Movement Boost, qualified borrowers could cover their 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*.⁣

Homeownership might be more accessible than you think.

*For qualified borrowers. Additional restrictions apply. Reach out to loan officer for more information.

Inflation seems to be cooling, but the Federal Reserve wants to see a year-over-year inflation rate of 2%. How far off the mark is the most recent PCE data? Read this week’s Market Update for the latest.

https://movement.com/blog/2024/03/recent-inflation-data-shows-downward-momentum

FRIENDS AND FAMILY PLEASE!!!IF YOU DO NOTHING ELSE, put a beneficiary on all of your financial accounts like checking savings CDs, Life Insurance, investments etc. You don't need a will for them to get to your money, just a death certificate. And make a list, preferably by hand instead of your computer, either give it to your trusted person, spouse or put it in your security box at the bank. If the person doesn't know you have a savings account or a CD at XYZ Bank, they can never go get the money. Make sure you have a trusted person that is a signer on the security box at the bank.

🗣 IMPORTANT information to get your affairs in order‼️

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

🛍Last Will and Testament: Designates to whom personal belongings will go to, who the Administrator will be. But if you have a beneficiary on any of your financial accounts, that will override a will.

For instance if you say I leave all of my possessions to my daughter Susie, but on your savings account the beneficiary is your best friend, then the money goes to your best friend

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.
If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs know where life insurance policies are located. 📂

📝Make 100% sure SOMEONE knows your Apple ID (if you have an Apple product), bank ID account logins and passwords! Make sure they know the passcode for your phone.

🚗 Make sure you have titles for all vehicles, campers, etc!

Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST-I DID) and it’s a very necessary conversation