The struggle is real sometimes 👀
Let my team of realtors take care of you. They will make sure you're both happy with the new purchase. I bet you've already been on zillow tonight, so stop that nonsense, and text ezmortgage to 336-55, and get setup with an MLS search. Check out my website at to see client reviews, and view the ezmortgage process. Happy hunting's in this cold weather 💀 #askthemortgagebanker
Its official! Were new homeowners!! So in love with our new house, I cant wait to customize it and make it our home sweet home ❤ huge thank you to everyone who helped us move in today, and a thank you to Jeff Cerreta at Classic Home Mortgage and Molly Swilling at Keller Williams for making our first home buying process as easy as possible for us!! Now were ready to bring in the holidays 🎄🥂 @10gen_coupe#newhomeowners#happyhousehunting#snowday#worstmovingdayinhistoryofmovingdays
Interest rates vary between different loan programs. That is why the rate that you receive for an FHA Quote may differ from the rate that you receive as a Conventional, USDA or VA Quote. Mortgage rates are mainly driven by the market.
The market influences interest rates based on how well (MBS) Mortgage Backed Securities are performing. The MBS is the pool of money that the agencies (Fannie Mae and Freddie Mac) use to fund mortgage loans. Due to fluctuations in the market and MBS, interest rates change all day long and we have seen as many as 6 price changes in one day before. I have a monitoring system that gives us up to date alerts for how the MBS market are performing. This gives me an edge so that we can perfectly time the locking of your loan to take advantage of an improvement or helps me know to expedite your lock if a negative change may be on the way.
Mortgage rates could also be driven by the lender. When a lender is in a situation where they are receiving more business than they can efficiently get processed, they are forced to do something to slow down volume.
One way to slow down the flow of business is by increasing their interest rates. I can see this as I shop for my customers from my various lenders and can clearly see a difference in rates offered by the banks that are looking to slow down business. I can also tell if one of my banks is looking for more business because their rates will be noticeably lower than others. That is one reason that I have multiple investors/banks that I work with because at any given time one of my banks is really looking for more business and I am able to offer a better rate option for my customer.
Please call me at 919-866-0219 to answer any questions you may have!
Purchases come in all shapes and sizes:
Conventional Conforming Fixed
Conventional Conforming ARM
Conventional HomeStyle Renovation Loan
Fannie Mae’s Home Ready (1st time buyer)
Freddie Mac’s Home Possible (1st time buyer)
Freddie Mac’s 1% down (1st time buyer)
Jumbo Fixed (Above $485,350 loan)
Jumbo ARM (Above $485,350 loan)
FHA Fixed (Loan based on County limit)
FHA ARM (Loan based on County limit)
203K FHA (Rehab Loan)
VA Jumbo (Above $485,350 loan)
USDA 30 Year Fixed
These are just the main products that we offer for purchase loans. Depending on your individual circumstances one or more of these programs may be appropriate. It is our job to show you the different programs that you qualify for and to explain why you should choose one over the other.
It is important that you have a relationship with a knowledgeable mortgage broker who can describe each of these programs as well as their benefits and drawbacks.
This way you can relax and be confident that you are getting the best mortgage financing for your home purchase.
For more information please call Raleigh’s Local Loan Experts at 919-866-0219 to answer any questions you may have!
Today I woke up to chucky Charlestons pornographic and horrific boner.. at first from the front I thought he was shitting as I stood on queen street with a poop bag. As time passed I realized his entire pen15 and nuggets were outside of his body. After speaking with his mother in New York , I was advised to take him to the vet (this has happened before). Chucky couldn’t walk so I ran with him belly and boner up to the vet, super casual.
While at the vet my meeting time with my new landlord crossed paths, we exchanged bank drafts while I was holding a giant bottle of lub and a relieved chucky ( thank you doctors). #happyhousehunting#dogsitteroftheyear#blessed#firstimpressionsaresoimportant