Woody Roberts III- Branch Manager at American Financial Network

If you are currently looking for some relief from the debt that might be becoming a little tighter to maintain with payments and we’ll just life. There are many options that are out there. If you want to explore some of the many option and relief a debt consolidation loan can do for you give me a call and together we can find the best solutions to allow you to sleep better at night knowing you will be able to make it through the tough economy we find ourselves in.

Woodrow Roberts III
Branch Manager
NMLS # 622209
E2Q Lending / AFN
571-260-9073

The housing market in D.C is currently sluggish, resulting in lower sale prices and a longer selling period. However, experts predict a 1% annual increase in pricing. This makes it an opportune time to purchase a home, as there is less competition and fewer pre-market offers. Interest rates are expected to normalize soon, which will provide an opportunity to refinance at a lower rate.

Woody Roberts
571-260-9073

Mortgage License Originator NMLS #622209
Licensed in: Virginia

Using a HELOC or Home Equity Loan with a First Trust Mortgage. (A Piggyback Mortgage Combo)

If you're considering purchasing a home and are unsure about financing it, a piggyback second trust mortgage with your first trust may be a viable option.

Applying this 1st and 2nd combination of loans offers several benefits, including a smaller down payment requirement, making it an excellent choice for first-time homebuyers with limited savings. With a piggyback mortgage, you can also avoid paying Private Mortgage Insurance (PMI), which is typically required for borrowers who put down less than 20% of the home's value. Additionally, the second trust mortgage usually comes with a lower interest rate than a traditional mortgage, saving you money over the loan's lifespan.

Moreover, a piggyback mortgage can be structured flexibly to meet your specific needs, allowing you to opt for a shorter loan term or lower interest rate. Ultimately, this type of loan structuring can help increase your buying power and make homeownership more accessible.

Reach out to me for more ways to take the steps to home ownership.

Woody Roberts
NMLS #622209
571-260-9073

Are you a first-time home buyer looking for a mortgage? One of the key factors that lenders consider is your debt-to-income ratio (DTI), which measures how much of your monthly income goes toward paying your debts. A lower DTI ratio means you have more money left over after paying your bills, and you are more likely to qualify for a loan with favorable terms. The ideal DTI ratio for most mortgage programs is 36% or less, but some lenders may accept higher ratios up to 43% or 50%. To calculate your DTI ratio, add up all your monthly debt payments (such as credit cards, car loans, student loans, etc.) and divide them by your gross monthly income. If you want to lower your DTI ratio, you can either increase your income or reduce your debt. For more tips on how to prepare for buying your first home feel free to drop me a message below and I can help guide you through the journey to home ownership.

Know why applications are approved and not approved!

If you are looking to purchase a home in the next few months, it is important to be ready and understand the do's and don'ts when it comes to applying for a mortgage. I am a professional mortgage broker with years of experience in helping first-time home buyers achieve their dream of homeownership. I can guide you through the process of finding the best loan option for your situation, preparing the necessary documents, and closing the deal smoothly and efficiently. I am here to serve you and make your home buying experience worry-free and enjoyable. If you are interested, please reach out to me and let me help you on the finance side. I look forward to hearing from you soon!

Woody Roberts III- Branch Manager at American Financial Network
571-260-9073
NMLS 622209
[email protected]

Were you thinking about buying or refinancing? Might want to talk to a Mortgage Professional soon, or you may miss the boat on rates. Mortgage Rates are on the rise, so don't miss out on an opportunity if you are thinking of buying or cutting your current rate with a refinance.

Need a quote just reach out!
Woodrow Roberts III
[email protected]
571-260-9073


http://www.mortgagenewsdaily.com/consumer_rates/987436.aspx

Mortgage Rates On The Rise Again Mortgage rates managed to begin the week by holding relatively steady, but that changed rather noticeably today. The bond market (which dictates day to day rate movement) was somewhat weaker to start the day. This implied higher mortgage rates and that is indeed...

Helping Clients every day is a good feeling! Assisting a real friend close to a dream house is just another feeling that you can't explain! So thrilled with being able to help Rayn and his family close on this fantastic home. Nothing better than this job!

New ★★★★★ 5 Star SocialSurvey Review by Ryan J. Click to see all 7 reviews of Woodrow Roberts, Branch Manager | NMLS #622209

Love helping clients and thier families everyday!

New ★★★★★ 5 Star SocialSurvey Review by Tatiana Y. Click to see all 7 reviews of Woodrow Roberts, Branch Manager | NMLS #622209

Are you looking to make those dream renovations you have put off for a long time? With home values currently hitting record amounts, you can now put that equity to work. Working with a Lender to Performing a Cash-Out Refinance can not only allow you to take out equity in the form of cash and will enable you to make the home renovations of your dreams! A home refinance can also potentially save you $1000's on potential monthly payments with debt consolidation of higher interest cost loans that you currently have.

Reach out for a quick "NO CREDIT" pull consultation and see how much you could save!

Woodrow Roberts
[email protected]
571-260-9073
NMLS # 62209

https://www.afncorp.com/web/woodrowroberts

Home - Woodrow Roberts - Clifton - American Financial Network, Inc. As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of r...

Looking to Purchase your Dream Home?! Contact me to found out how to use your 2020 Tax Refund as a down payment to for your purchase!

Woody Roberts
571-260-9073
[email protected]
NMLS #622209
Team

Happy International Women’s Day to All the amazing women in the world who make the world we live in a better place! Keep being role models for all of the youth of tomorrow!

Woody Roberts III
Branch Manager AFN
571-260-9073
[email protected]
NMLS #622209

Wow!! One amazing week almost in the books but not before 4 new purchases that came into with ratified contracts! Word is spreading on how I can not only save you money with a refinance of an existing mortgage. Do you also k ow how important it is to have a strong lender that will present your financial soundness in efforts to take your purchase offer to the front of the pack. Call me and let me show how we can make you more attractive for a seller in this crazy competitive market that is the reality of today!!

Woody Roberts
571-260-9073
[email protected]

NMLS #622209
Team

Happy Valentines Day from your favorite Lender! Wishing you all the best on this day!

Over many years working with customers throughout my career, I have found that you tend to uncover more opportunities to provide even more services when you have great conversations with them. Almost 75% of the time, those are opportunities were something that I could not fulfill, either due to opportunities not in my actual field.

This year I am making it a goal to refer one client opportunity to someone a week for the whole year. So if you are a small business owner or a full commission-based employee of a larger company, send me a message if you would like of your area of expertise, I will do all that I can this year to send business your way.

I know how much a referral means to individuals and businesses they have worked so hard to build.

We tend to see more and more creative fraud scams going around the internet and through emails or other social media channels. With the New Year starting, you can expect the return of fraudsters posing as the IRS to infiltrate your personal information. Here are some tips to keep you and your family's data safe from online fraud predators.

Woody Roberts
"Your Trusted Mortgage Adviser"
[email protected]
571-260-9073
NMLS #622209



https://www.afncorp.com/blog?p_p_id=com_afncorp_themeBase_web_internal_portlet_BlogPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_themeBase_web_internal_portlet_BlogPortlet_action=viewMessage&_com_afncorp_themeBase_web_internal_portlet_BlogPortlet_blogId=501&_com_afncorp_themeBase_web_internal_portlet_BlogPortlet_cur=9

Blog - American Financial Network, Inc. Tax season has begun, but it's essential to remain vigilant of these scams that could cost you. First, we have the different types of scams that are currently happening.

Did you know that I can not only help you or others finance their dream home or even look to lower their total debt load with a debt consolidation refinance in Virginia?

Did you also know my team can do the same options for anyone across the United States?

Give me a call if you're in Virginia or any other state in the U.S! Let me show you what I can do for you and others when it comes to Home Financing!

Woody Roberts
[email protected]
571-260-9073
NMLS #622209

Woody Roberts III- Branch Manager at American Financial Network updated their phone number.

Wishing all my friends and clients the most memorable New Year! May all the wisdom from the past year give us the knowledge we need to make 2021 the best year ever! Feeling grateful for all the support I have received from all of you this year and looking forward to serving more of you in 2021! Happy New Year, Everyone from my family to yours! Cheers to all of you!!!
Woody Roberts III

Woody Roberts

[email protected]
571-260-9073
NMLS # 622209

Temperatures continue to drop outside and that only means winter is here! Here are some winter tips to safeguard your biggest investment that is your home! These will make you sleep well at night knowing that your home is ready for whatever winter may bring to the front door.

Happy Holidays Everyone!!!

Your Friend the Lender,

Woody Roberts
Branch Manager AFN
NMLS # 622209
[email protected]
571-260-9073

Blog - American Financial Network, Inc. No matter where you live, winter can signal a dip in temperatures and the possibility of unpredictable weather, including inches of snow and dangerous ice. Even for our HQ team that lives in Southern California, winter can bring some crazy weather! Below are some ways you can help winterize your hom...

Woody Roberts III- Branch Manager at American Financial Network updated their website address.

From my Family to Yours we would like to wish everyone a safe holiday filled with joy and optimism for the upcoming year!

Regards from your friend the Lender,

Woody Roberts
NMLS #622209

Word on the Street is Rates have dropped! I am here to tell you this is a Fact! I can help fulfill your dream, whether a Purchase of a New Home or a Refinance or even starting the new year by refinancing to consolidate debt to free up some well-needed cash flow. I am one call away to help with any of your lending needs!

Call Today!!!

Woodrow Roberts
[email protected]
571-260-9073

***************Rate Alert************

First Trust Mortgage Rates are down today on Refinances and Purchase loans transactions. If you are still on the sideline waiting for Rates to drop from current historic lows, this might be the time to reach out to me or any Mortgage Loan Officer to inquire if this is the right time for you to buy or Refinance.

Contact me:
Woody Roberts
[email protected]
571-260-9073
NMLS #622209

Could be an early spring buying season with potiential buyers looking for new homes.

Contact me for any questions or to be prequlified for your next purchase!

Woody Roberts
[email protected]
571-260-9073
NMLS #622209


http://www.mortgagenewsdaily.com/11302020_housing_affordability.asp

Dig Out the Mittens - December Offers the Best Home Buying Bargains While this COVID-19 positive year has certainly been an exception, spring is usually considered the optimum time , on both sides of the transaction, to buy or sell a home. A new study, by ATTOM Data Solutions, indicates that one side of the equation could be...

Good News for Homeowners & Potential Future Homeowners today! New higher loan limits for Conforming and Non-Conforming Loan Limits! More options to think about when you look to purchase or refinance your new or existing home!

Call me for any questions or rate quotes or to get an understanding of where the market stands for loans! I am always here to help!

Woody Roberts
571-260-9073
[email protected]
NMLS #622209



https://www.msn.com/en-us/money/realestate/fhfa-conforming-loan-limits-to-rise-7-for-2021-reflecting-hot-housing-market/ar-BB1bjMgf?bncnt=MsnNews_DailyBriefCoronavirus&pfr=1&ocid=uxbndlbing

FHFA conforming loan limits to rise 7% for 2021, reflecting hot housing market The line between jumbo loans and conforming loans is going up again.