Mortgage Rates have dropped to historical lows!!! Take advantage of that, if you are looking to purchase or refinance a home!
Check out this article https://www.rate.com/resources/rates-are-falling-market-update
I’m available 7 days a week, if you need me to review your options. (617) 301-1332
Our 8 Proven Steps to Improve Your Credit Score this Year 🚀 💳 👍 😍
Step 1️⃣: Get a Free Credit Report from TransUnion, Equifax, and Experian.
➡️ Not familiar with this process? Check out one of Rob’s helpful Credit Tips videos here to learn how to obtain your 3 Free Annual Credit Reports: 📝 https://www.youtube.com/watch?v=s-FYcbJZlts
Step 2️⃣ & 3️⃣: Once you receive your reports, you’ll want to Check for them for accuracy. It is common to have a mistake on your report. Make sure to dispute those inaccuracies with the corresponding Credit Bureau.
Step 4️⃣: Be sure to pay your bills on time! Set up auto pay if you pay online! Easy way to never miss a payment.
Step 5️⃣: Pay Off Your Debt - Pay off as much as you can to boost your scores. Start with small debts to pay off, then move up!
Step 6️⃣: Use Credit Responsibly. You should never max out a credit card. That’s a number one sign of irresponsible credit use, makes for a high debt to income ratio in most cases, and sends a red flag of riskiness to your Lender. Balances should be 0%-30% max according to your balance to limit ratios.
Step 7️⃣: Keep Positive Accounts Open. Pay off your cards, BUT always keep them open! Rob tells us this all the time. You need that positive credit history to remain on your credit report to show your Lender all of the great work you’ve done.
Step 8️⃣: Minimize Credit Inquiries. Simply put, your goal is to show the Credit Bureaus how WELL you can manage the credit you’ve been granted, not how MANY credit cards you can obtain!
Bonus 9️⃣ Feel awesome when done!! Great job taking time to improve your credit scores. 🎊 Now, keep up the good work!
Another successful closing!! I helped this family to reduce their mortgage term, get rid of PMI and lower their interest rate!! ****Reach out to me and see how much I can help you save on your mortgage! 🏡
Get to know your lender and BDM. Today Bluestone and Dayna Manser.
I started my career in Finance in 2005 within the GE Money Cards Call Centre while at University studying Fine Arts Painting. After graduating, GE offered opportunities to move into different roles and I had the chance to become a BDM in their Retail Finance business in 2008.
I was presented with the opportunity of joining the Bluestone team early 2018 which I thought really complimented having spent 5 years catering to self employed borrowers.
Because I went from Fine Arts to Finance I like to be creative in my spare time with. I have currently spent over a year on a needlework portrait of Frida Kahlo and I always have one of my cameras in hand snapping photos of nature or my dogs.
I love all animals but I especially love my furbabies! My furmily consists of Xenia a Alaskan Malamute x Siberian Husky & Koda a Labrador Retriever. The lucky people who speak to me on the phone around 6 pm can generally hear Xenia's plea to end her starvation and maybe a tantrum if I haven't met her command in a timely manner.
I love working at Bluestone because we have solutions for all borrowers and an amazing team who do their best work everyday.
We understand how finance can be difficult for self employed individuals so we offer 4 ways to verify income from Financials, BAS, Bank Statements or an Accountants Letter. We have our own way of assessing these documents and don't apply bench-marking as we know, no two business are run exactly the same, so why put them in the same assessment bucket. Most Lenders also don't want to know a self employed borrower until they have 2 years of strong trading figures but we will consider from 3 months!
With PAYG employment there has been an increase over recent years of individuals working 2 part-time jobs or even 3 or more casual jobs to have the equivalent hours of a full time position. Bluestone see a lot of these customers as other Lenders usually won't accept 100% of the income from the second position onwards.
Bluestone offers unlimited debt consolidation, including ATO debts. I've seen cases where we save families over $3,000 a month!
Congratulations on your refinance! 🎉
It was such a pleasure to help you out again to refinance the same home we were able to help you purchase. 🏡 This is an amazing time to refinance and you were able to lower your interest rate so significantly that it will make a major change on your and your family's financial future. 👨👩👧👦 Congratulations! #congratulations#refinancemortgage#serveforsuccess
Howdy everyone! I am a licensed mortgage loan officer working for America's Choice Home Loans based out of Houston, TX. At ACHL we do home loans for residential housing all across Texas and would love to help you out when buying a home. We originate, underwrite, process, fund and close loans for our clients and have the resources needed to make this process as simple and headache free as possible. If you or anyone you know is in need of a mortgage lender send them my way! You can contact me anytime at 281-908-4633 or email@example.com
#MixedUseProperty financing applies to properties that are comprised of multiple units zoned for different uses, including residential, commercial, industrial and institutional. Almost any building with at least two units of different usage qualifies for mixed-use financing. Both business owners and real estate investors may seek a mixed-use property loan.
At @cornerstone_capital, we have arranged millions of dollars worth of financing utilizing our direct access network of lenders. We offer borrowers the widest variety of products and are able to consummate transactions with the greatest possible efficiency.
What does the term "earnest money" mean? Earnest money is the money you give to show you’re serious about purchasing a home. The amount of earnest money is generally 3% to 5% of the home’s cost.⠀⠀
The money goes into an escrow account until financing is finalized. Then, it gets credited to the purchase price. If the purchase of the home doesn't go through, the seller gets to keep the money.