Andy Sandkamp NMLS #371921

Mortgage interest can be one of life’s biggest financial obstructions. Overcome the hurdle and make 2024 YOUR year with the All In One Loan™. Ask me how this innovative program can help you achieve mortgage freedom in HALF the time or less!

Imagine finding your dream home on the market… just to learn it’s way over budget. Before you even start searching for a home, it’s important to determine how much of a loan you can receive. Here are the six main factors that loan officers look at when determining how much home you can afford: http://spr.ly/6180RiNH8

Did you know? January is Financial Wellness Month! After an expensive holiday season, the new year is a great time to check in on your goals and assess budget priorities. Here are three steps you can take to improve your finances this month:
1. Set your 2024 goals
2. Make a plan to pay down debt
3. Check your credit report

What a year 2023 was! Though it was an eventful year filled with rate volatility, December rounded out 2023 with several weeks of lower-trending rates. Now, what’s in store for 2024? Here’s what you need to know: http://spr.ly/6185RgtOT

Does your refrigerator have a built-in water dispenser and/or ice maker? Now's the time to change the filter! Replacing your fridge's water filter every 6 months can lead to increased filter lifespan and performance, elimination of harmful chemicals, and improved water taste

Holiday spending hangover? You're not alone 😵‍💫 What if we told you the remedy is locked within your own home?! With our 5-Day HELOC, you can access up to $400,000 in tappable home equity in as little as 5 days. Ready to learn more? Give me a call!

Out with the old, in with the new. CMG wishes a Happy New Year 🎉 to you! We can't wait to see you in 2024!

Ready to start the year off right? Make 2024 YOUR year with these 5 financial resolutions ➡️

Before you touchdown 🏈 on the American Dream of homeownership, what obstacles do you have to tackle? Don’t let debt block you from scoring your dream home! Make a game plan to pay down debt BEFORE you apply for a home loan. Read here: http://spr.ly/6183RjiA1

What's in store in 2024? If selling your home is your resolution, I have just the solution. Ask me how List & Lock™ can help you sell your home:
✅ sooner
✅ at top price
✅ all while saving the most money.

Stop, Drop, Replace! When was the last time you checked your smoke alarm? When it comes to smoke and carbon monoxide detectors, the Consumer Product Safety Commission recommends checking your alarms monthly and replacing batteries annually.

In the midst of holiday shopping and festivities, have you gotten a gift 🎁 for yourself? Treat yourself to a lower monthly mortgage payment for up to 3 years with a monthly mortgage payment buydown. Contact me to learn more!

Who says you need to wait for January 1st to start on your resolutions? When it comes to home buying, it pays to start preparing early. Here are 5 steps to take NOW to set yourself up for home buying success in 2024: http://spr.ly/6187RnSIl

Oh, there's no place like home for the holidays 🎶
'Cause no matter how far away you roam 🎶
Your jolly ole friends at CMG 🎶
Will help you find the perfect mortgage loan! 🏠✨

Happy Holidays from your friends at CMG Home Loans!

Using a ceiling fan in the winter may seem counterintuitive, but it could help you save on energy bills! In cooler months, your ceiling fan should be spinning clockwise at a low speed. Warm air naturally rises, and the gentle updraft created by this setting allows for the redistribution of warm air that tends to accumulate near the ceiling.

Patience isn't always a virtue. In fact, sometimes waiting can COST you. Ask me how buying NOW means SAVING later with Rate Rebound!

2024 is right around the corner! What’s left on your 2023 to-do list? Here are 6 financial tasks to complete by the end of the year: http://spr.ly/6181RuemP

Employment, inflation, and bonds, oh my! Though last week’s employment situation reports came in stronger than expected, rates were resilient and didn’t react as badly as anticipated. This morning, we saw the consumer price index (CPI) data from November, which was largely in line with expectations. Here’s what you need to know: http://spr.ly/6189ROcbU

Using candles to light up the holiday season? Make sure you're mindful of fire safety! According to the National Fire Protection Association, 11% of candle fires occur each year in both December and January. When it comes to festive flames, keep candles at least 1 foot away from flammable materials

There's no place like home for the holidays! If you're house hunting this season, it pays to be prepared. We've made our list and checked it twice, be sure to follow these steps to make home buying nice!

Doing any holiday shopping online? Whether gifts are transported via flying sleigh or delivery driver, they might not be safe from porch pirates. Follow these five steps to protect your packages 🎁 AND your home 🏡 this holiday season

How can a home equity line of credit (HELOC) unlock your home’s hidden cash? Here’s what you need to know about our 5-Day HELOC: http://spr.ly/6189RKEMb

What if holiday spending could help GROW your down payment? With HomeFundIt™ + UpIt™, it can! With over 1,000 participating retailers waiting to give you money towards your down payment, holiday shopping has never been easier.

Thanks to movement in the bond market, mortgage rates tumbled down to the lowest levels in three months last week. On the other hand, home prices are on the rise. How will this week’s economic reports influence the housing market? Here’s what we know: http://spr.ly/6181RyTMZ

🎶He sees you when you're spending, he knows when you don't save🎶
We're not talking about Santa, we're talking about the Fair Isaac Credit Union, commonly known as FICO. Be sure to keep an eye on your credit this holiday season!

Need holiday cash FAST? A Home Equity Line of Credit (HELOC) may be the answer! Turn your home equity into cash in as little as 5 days. Ask me if our 5-Day HELOC is right for you!

What steps go into making an offer on a home? Spoiler alert: It’s more than just agreeing on the purchase price. Here’s what you need to know: http://spr.ly/6185RDgzx

How can you make the most out of your home equity? Scroll through ➡️ to see how a Home Equity Line of Credit (HELOC) can benefit you

What’s new in market news? Last week, average mortgage rates officially brushed down upon two-month lows. Although rates climbed slightly higher on Friday, they recovered lost ground yesterday. Here’s what you can expect from the market moving forward: http://spr.ly/6185RB9LB

Struggling to sell your home? Don’t lower the listing price just yet! Instead, why not guarantee buyers a discounted rate!? With our exclusive List & Lock™ advantage, you can save money and still sell your home at top price.