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Thank you! Appreciate that & glad you got something out of it. 😊

This week! Stay tuned--I will be sharing how to get the best mortgage rate in 2025!

Thanks for watching and leaving a comment. Glad it was helpful 😊

Thanks for watching!

Thank you 😃

Glad it was helpful! Thanks for watching!

What state to you live in? We lend in 45 states + Washington DC. If you'd like to discuss in more detail, call or text us at 480.725.0150 or if it's more convenient, schedule a time bit.ly/3wERfRV and we'll call you. 😊

😂 Thanks for watching and leaving a comment.

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You're welcome! Thank you for watching and leaving a comment!

Sure! Thank you for the suggestion. Will come up with something after the new year. Thanks for watching.

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Thanks for watching and leaving a comment.

Awe! Thanks so much Rick! 😀

Thank you :)

@MortgageHowDoI I am always by your side

Glad you like them!

​@@MortgageHowDoI this description and keyword include your videos at this your videos view and sales will be a lot of

I'm sorry to hear about your situation. Removing a spouse from a mortgage is challenging, especially if they’re unreachable. Lenders usually require refinancing, which involves both parties. Consulting a family law attorney may help you explore options like legal separation or other solutions. Wishing you the best as you navigate this.

Yes, pre-qualification and pre-approval are indeed two different things. Pre-qualification is typically a simpler process where a lender provides a general estimate of how much you might be able to borrow based on financial information you provide, such as your income, assets and debts. A Pre-approval, on the other hand, is a more in-depth process where the lender verifies your financial details including income, assets and debts, and obtains an loan approval based on a specific loan type and financing strategy. This video is in reference to the Pre-qualification process. Hope this helps clarify.

Great question! Lending guidelines typically don’t dictate whether you manage the property yourself or use a property management company, so you have flexibility in how you handle operations. If you want to use a management company to oversee your property as an Airbnb, you can absolutely do that-it won’t affect your mortgage approval or terms. That said, it’s important to let your lender know about your intended use for the property, as financing options for short-term rentals may differ from traditional second homes or long-term investment properties. Additionally, be sure to review any HOA rules or local regulations related to short-term rentals to ensure compliance. If you have more questions about your financing options or the process, feel free to reach out 480.725.0150-we’re happy to help!

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Great question! Start by deciding on the city where you’re interested in purchasing real estate. Once you’ve got that sorted, I recommend finding a local real estate agent who knows the area and is familiar with current new home incentives. These incentives can vary by builder and often change, so having a knowledgeable agent can help you take advantage of the best offers available. Good luck with your home search!

If you’re planning to purchase a new primary residence and rent out your current home, you may be able to use projected rental income to lower your debt-to-income (DTI) ratio. However, if you qualify for the mortgage on your new home without relying on that rental income, you could potentially simplify the process and avoid additional steps. I recommend connecting with a mortgage advisor to review your options, tailor your strategy to your financial goals, and review specific lending guidelines or requirements. Feel free to call or text us at 480-725-0150 if we can be of assistance.

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The deeper your investment roots, the stronger your financial security will be in the future.

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In this case, "IT" refers to the Annual Percentage Rate (APR), which is explained in the video as a way to express the total cost of a loan, including fees, as an annual percentage. APR is different from the interest rate, which only covers the cost of borrowing. In addition to the interest rate, the APR includes closing costs, points, and other fees, giving a more comprehensive picture of borrowing costs. Hope this helps clarify!

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Thanks for sharing your experience-it sounds like you’ve had your hands full managing your rental properties! Balancing repairs, taxes, insurance, and tenant challenges can definitely make being a landlord feel like a full-time job. You may want to consider putting a home equity loan on your investment properties to provide a financial cushion for property vacancies, repairs, or other unexpected expenses. Additionally, exploring tips and tools for landlords or even working with a property management company might help ease some of the workload. Wishing you the best as you navigate these challenges!

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Yes 😊 Those are great options! Thanks for watching and leaving a comment.

Great question! While commissions don’t directly affect the mortgage interest rate, they can influence your overall closing costs. It’s a good idea to clarify commission agreements with your agent upfront to avoid any surprises. In some cases, the buyer’s agent commission may be covered by the seller or even financed into the loan, potentially reducing your out-of-pocket expenses at closing. Be sure to discuss all your options with both your lender and agent to find the best solution for your situation. If you have any questions, feel free to call or text us at 480-725-0150-we’re here to help!