Jose Elias Martinez Mortgage Advisor nmls-940342
GO Mortgage delivers uncommonly good solutions not commonly found elsewhere. Let's GO!
17/06/2024
Think you need 20% down to buy a home? 🤔💭Think again!
Reality: Many homebuyers are putting down less, with a variety of loan options available for those with less than 20%. Don’t let old myths hold you back from exploring your home buying options. Discover how GO Mortgage can help you find a loan that fits your budget and gets you into your new home sooner! 🏡 ’sGO
14/06/2024
Ready when you are 😎
Our commitment is constant. We are always available to get you preapproved ✅ and on your path to homeownership🏡
📲 We're here to make it happen!
12/06/2024
🚀 Elevate your investment strategy with DSCR loans.
⚡Tailored for real estate investors, these loans assess your property's income, not your personal financial details.
⚡Benefit from quicker approvals and greater flexibility to grow your portfolio in today's dynamic market.
📈Ready to leverage your investments? Get in touch to learn how DSCR loans can work for you! 📞💼
11/06/2024
📣 Attention Real Estate Professionals: The VA's new rule allows buyer-paid broker fees!
Veterans can now pay broker fees, opening up new possibilities for buyer-agent relationships. As an agent, this can empower you to better serve our heroes. Let’s discuss! 🇺🇸
❗Steer clear of common pitfalls with the Top 🔟 Things to Avoid When Buying a Home! 🏡 Whether you’re a first-timer or looking to move, knowing these pitfalls can save you time and stress.
📈 Mortgage Rate Alert! 📉
Hey, future homeowners! 👋 If you're keeping an eye on mortgage rates, here's a quick update:
Why are rates spiking?
Non-Farm Payroll numbers for May surged above expectations, causing a stir in the market.
Why it might not be as bad as it seems:
Revised Numbers: Last month's figures were adjusted down, putting this month's spike into perspective.
Unemployment Rate: We've hit a 4% unemployment rate, a crucial marker for potential Federal Reserve rate cuts.
European Central Bank Rate Cut: The ECB slashed rates, which could positively impact inflation in the U.S.
What's next?
A rate cut could be on the horizon, possibly as early as September, but November seems more likely given current trends.
Keep an eye on the market, folks! Things might settle down soon, but expect some fluctuations along the way. 🏡💼
05/06/2024
🔑🏠 Unlock the full potential of your home with a strategic refinance! Need funds for that dream renovation or looking to consolidate debt? A refinance could be the solution.
Plus, if you're currently stuck with a high-interest rate, refinancing could potentially lower your monthly payments. Let's turn your homeownership dreams into reality—message us today to explore your options!
03/06/2024
🏠🎉 Did you know June is National Homeownership Month?
It's the perfect time to celebrate the joys of owning your own home! 🙌 Whether you're a first-time buyer or a seasoned homeowner, GO Mortgage is here to make your journey simple, fast, and efficient. Let's turn your homeownership dreams into reality!
31/05/2024
🏡 Busting Myths! Many think there's nothing out there to buy, but let's clear that up! 🔍✨
Reality: The number of homes for sale is actually on the rise this year, offering you more choices than you might expect. Don’t miss out on finding your perfect spot. Explore your options with GO Mortgage and let's navigate this dynamic market together! 🗝️💚
29/05/2024
🏡💰 Wondering why homeownership is a smart move? Here are three reasons to consider:
1️⃣ Build Equity: Investing in your future starts with owning a piece of it.
2️⃣ Your Home, Your Rules: Customize your space to reflect your style and personality!
3️⃣ Financial Stability: Lock in your rate and say goodbye to unpredictable rent hikes.
👉 Ready to explore your options and unlock the power of homeownership?
27/05/2024
Don't let a small down payment be a roadblock! 🚧
🏠 The HomeReady & HomePossible Mortgage Programs from are designed for eligible low-income, first-time, or repeat homebuyers. These programs offer flexible qualifying options, and a $2,500 credit to help cover down payment and closing costs
Let's get you into your next home! 📩 DM for details.
🚨 Important Market Update for Homebuyers! 🚨
📈 Federal Policy Shift Highlights: Over the past week, there's been a significant shift in policy expectations from the Federal Open Market Committee (FOMC). FOMC Minutes confirm this shift, underlining persistent inflation in our high-interest rate environment. While rate cuts aren't expected until year-end, markets have largely anticipated these changes. Despite recent economic weaknesses, overall activity remains strong, and the labor market stays resilient.
💼 Market Outlook and Recommendations: The upcoming week is packed with speeches from Fed officials and multiple economic data releases. Each day's data has the power to significantly sway the market. Continuous negative data could trigger strong adverse reactions, given the current market turbulence. Considering these accumulating risks, it's wise to lock in your loans now to offset increased market volatility.
Stay informed and make smart decisions in your homebuying journey! If you have any questions or need assistance, feel free to reach out to us. 🏡💼📊
From starter homes to forever homes, GO Mortgage is here for life's milestones.
✅ We offer a variety of mortgage options, from FHA and VA loans for qualified buyers to conventional loans and jumbo financing.
🤝 Let's find the best solution for your next chapter!
💥 Stand Out From the Crowd! 💰 In a competitive market, a larger down payment can give your offer the edge.
⚡Plus, enjoy lower monthly payments and build equity faster!
❗Large Down Payments not in your future? 💬 Ask me about Down Payment Assistance options!
Ready to explore your options? 📞 Get in touch today!
21/05/2024
Great news for homebuyers! 📣 Fannie Mae and Freddie Mac just announced changes that can make buying a home more affordable:
⬇️ Lower Down Payment Option: Now, even if you're not a first-time buyer, you can put down just 3% on a home, as long as your income falls within certain limits (around 80% of the median income in your area).
💸 Reduced PMI Costs: If you put down a smaller down payment (between 3% and 5%), the required private mortgage insurance (PMI) could be cheaper. This means you could pay less each month for mortgage insurance.
📈 Options for Lower Rates: In the past, buyers with lower down payments and certain credit scores might have faced higher interest rates. These changes can possibly lead to lower rates, making your monthly mortgage payment more affordable.
Ready to see if you qualify? ☎️ Reach out to a GO Mortgage Loan Officer today!
20/05/2024
Don't wait for a crash that might not come! ❌ While home price growth might be slowing, waiting could mean missing out on your perfect home. A GO Mortgage Mortgage Loan Officer 🤓 can help you navigate the market and make informed decisions.📈
📲 Let's chat!
17/05/2024
Bridging your home buying gap has never been easier. 🌁 ✅
Your mortgage doesn’t have to be complicated. Let's get started today.
15/05/2024
Ever wonder what number lenders care most about when you apply for a mortgage? 👉 It's your Debt-to-Income (DTI), which basically shows how much of your income goes towards existing debts each month. The lower your DTI, the better! It means you have more "wiggle room" for a mortgage payment.
On the other hand, a high DTI could lead to more restrictive terms or even getting rejected. 💡Keeping your debt under control can save you money and get you closer to your dream home! 🏡
13/05/2024
HGTV inspiration hitting hard? 🤩 A GO Mortgage Renovation Loan can unlock the potential of your home. 💭Imagine cozy nights in your dream kitchen or relaxing evenings in a spa-like bathroom. Let's make it a reality! Comment below or send us a message to learn more!
Mic drop... almost. 🎤 😂
Our (first ever!) Personal Branding Day was a blast (even with a few technical difficulties)! Catch a glimpse of the behind-the-scenes fun in our blooper reel. P.S. We swear we know what we’re doing 😉
08/05/2024
Mucha gente me pregunta cuando es la mejor oportunidad para comprar casas o duplexes para invirtir. La verdad es simple una buena oferta es una buena oferta. Estén los intereses bajos o altos siempre ay una oportunidad y ventaja de cada circunstancias! Si están pensando comprar una propiedad para rentar hacemos también esos tipos de préstamos ! Felicidades a mi cliente por su propiedades mejores deseos y ya vamos preparando la siguente inversión ! Escríbame hoy !
08/05/2024
🤔 ”Should I wait to buy a home until rates drop?"
💬 Here's the thing: experts predict rates will decrease, but timing the market is a gamble!
🏡 Partnering with a GO Mortgage professional can help you navigate the current market and find the right home for your needs. Let's chat!
06/05/2024
Want to own a home but not sure you can afford to do it in today’s market? Now is a great time to learn about co-buying a 🏡 with a roommate, business partner, friend, or family member! Reach out today to learn more.
➡️ Out and About with GO! Our amazing Sales & Technology Manager, Kayla Benishek, was in Spartanburg, SC rocking the realtor scene at a recent event! 👩💼💻 We offer more than just loans - we're here to help you navigate the market and thrive!
01/05/2024
Rent? 🏠 Nah, they're buying.
👋 Gen Z here, and owning a home is all about leveling up: stability, control, and building equity = major boss moves. Who's with us?
Making tails wag and hearts melt! ❤️ Our team at GO Mortgage had a PAW-SOME 🐾 time meeting & cuddling the adorable animals at CHA Animal Shelter in Columbus, OH. We're proud to have donated money we raised from our recent Intel on Intel event.
🐶 CHA's mission is to serve the people and animals of Central Ohio by providing safe, temporary shelter and care for abandoned or otherwise homeless cats and dogs, and to reduce pet overpopulation by means of spay and neuter, education, and community outreach. CHA has been fulfilling their mission since 1975.
🌐 Check them out at chaanimalshelter.org
It's moments like these that remind us of the importance of giving back to our community and supporting local charities. 🥰 Let's continue spreading love and compassion, one paw at a time! 🐾
❗We're back with another Market Update!
Mortgage-Backed Securities (MBS) 📈
Despite higher than expected Core PCE Inflation (2.8%), the MBS market shows a modest recovery.
Stay tuned for key economic indicators later this morning!
Consumer Sentiment & Housing Market 📊
April's consumer sentiment expected to decline, impacting market trends.
March saw increased personal spending and decreased savings rates.
Is it boosted consumer confidence or inflation consequences?
Impact on Homebuyers 🤔
Strong consumer sentiment report at 10 a.m. EST could affect market recovery.
Stay informed to make confident homebuying decisions! 🏡💰
Taking a break doesn't mean slowing down! Sometimes, getting GO-ing means having a little fun with your crew. Check out our moves (and some seriously awesome shoes 👟✨
We saw this post by 👏 and couldn’t stop ourselves from recreating it 💃🏻🕺🏽
Confused about PMI? 🤔 You are not alone!
➡️ Let’s break it down: what is is, why it exists, and how it affects you as a homebuyer. Let's get you on the path to homeownership!
22/04/2024
Unlock your investment property's potential! 🏡 An Investment HELOC can help. Want to learn more? Get in touch today!
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