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Patrick Storch
United States
เข้าร่วมเมื่อ 18 ก.ย. 2015
Equal Housing Lender NMLS 189233 | 228635 | www.nmlsconsumeraccess.org
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Hometown Heroes Down Payment Assistance - Get It While It's Hot!
The Hometown Heroes down payment assistance funds are dwindling every day. With home prices and interest rates expected to drop, now is the time to act.
Call or Text 📲813-616-8844
Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD
READY TO START THE HOMEBUYING PROCESS? 👇 CHECK THESE OUT!
Hometown Heroes DPA: th-cam.com/video/BWafQqL_LKA/w-d-xo.htmlsi=8Mg-yAA4AUrEtsd5
Homestead Exemption: th-cam.com/video/OdEvQ_AS7tk/w-d-xo.htmlsi=yPN6BheMlu52Pvi3
What to Expect During the Lending Process: th-cam.com/video/TFESYUJFyJI/w-d-xo.html
CONNECT WITH US
➡︎Instagram storchmortgageteam
➡︎Facebook StorchMortgageTeam/
Equal Housing Lender | NMLS 189233 | 228635
Video footage from www.pexels.com/ and giphy.com/
Call or Text 📲813-616-8844
Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD
READY TO START THE HOMEBUYING PROCESS? 👇 CHECK THESE OUT!
Hometown Heroes DPA: th-cam.com/video/BWafQqL_LKA/w-d-xo.htmlsi=8Mg-yAA4AUrEtsd5
Homestead Exemption: th-cam.com/video/OdEvQ_AS7tk/w-d-xo.htmlsi=yPN6BheMlu52Pvi3
What to Expect During the Lending Process: th-cam.com/video/TFESYUJFyJI/w-d-xo.html
CONNECT WITH US
➡︎Instagram storchmortgageteam
➡︎Facebook StorchMortgageTeam/
Equal Housing Lender | NMLS 189233 | 228635
Video footage from www.pexels.com/ and giphy.com/
มุมมอง: 25
วีดีโอ
Read on Reddit - Is Getting A Mortgage Worth It?
มุมมอง 42หลายเดือนก่อน
Buying a home is a huge commitment, but it's worth it because you're investing in your future and building equity. Yes, it's scary, but it's a step towards financial security. Call or Text 📲813-616-8844 Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD READY TO START THE HOMEBUYING PROCESS? 👇 CHECK THESE OUT! Hometown Heroes DPA: th-cam.com/video/BWafQqL...
FHA 203(k) Renovation Loan Updates for 2024
มุมมอง 60หลายเดือนก่อน
These renovation updates will make it easier for homebuyers to create their dream homes rather than find one. Learn more about how these changes can benefit you! Call or Text 📲813-616-8844 Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD READY TO START THE HOMEBUYING PROCESS? 👇 CHECK THESE OUT! Hometown Heroes DPA: th-cam.com/video/BWafQqL_LKA/w-d-xo.ht...
Why Do Mortgage Payments Increase
มุมมอง 66หลายเดือนก่อน
"What do you MEAN my mortgage payment is increasing?!" That's just one of the questions we hear from homebuyers who have closed on their home. That's why today I'm explaining why mortgage payments increase even with fixed-rate mortgages. Call or Text 📲813-616-8844 Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD READY TO START THE HOMEBUYING PROCESS? 👇 ...
FL Hometown Heroes Down Payment Assistance - Releases July 1st
มุมมอง 692 หลายเดือนก่อน
We're officially only a couple days away from the launch of Hometown Heroes 😱 Please, please, please reach out to our team if you need this down payment program. We can ensure everything is in place for you to snatch up these down payment funds as soon as possible. Call or Text 📲813-616-8844 Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD READY TO STAR...
FHA CHANGE - Using A Gift To Buy a House
มุมมอง 1132 หลายเดือนก่อน
Giving a financial gift to a potential homebuyer just got even easier😱 FHA recently updated its gift-giving guidelines to make sending and sourcing funds seamless and quicker. For further questions, reach out to our team 📱 813-616-8844 Apply Online 🌐 lenderlogix.com/apply-now/patrick.storch@tmf.mortgage&application=STANDARD READY TO START THE HOMEBUYING PROCESS? 👇 CHECK THESE OUT! Hometown...
FHA Home Loan Explained in Under 2 Minutes
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FHA Home Loan Explained in Under 2 Minutes
Success Story - VA Loan with No Money Down
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Success Story - VA Loan with No Money Down
First-Time Homebuyer Down Payment Assistance - FL Hometown Heroes Program
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First-Time Homebuyer Down Payment Assistance - FL Hometown Heroes Program
1031 Exchange Class - Florida Realtors
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1031 Exchange Class - Florida Realtors
Reverse Mortgages 🔄 Explained in Under Two Minutes
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Reverse Mortgages 🔄 Explained in Under Two Minutes
New 3% Down Mortgage Program - Home Run Program
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New 3% Down Mortgage Program - Home Run Program
Answering Your Florida Homestead Exemption
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Answering Your Florida Homestead Exemption
Florida Homestead Exemption 2024 - Everything You Need To Know About
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Florida Homestead Exemption 2024 - Everything You Need To Know About
3 Home Loan Options with No Proof of Income
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3 Home Loan Options with No Proof of Income
The 3 Benefits of a VA Loan for Veterans
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The 3 Benefits of a VA Loan for Veterans
Avoid These Things when Buying a House
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Avoid These Things when Buying a House
Your Pre-Approval Was DENIED - Now What?!
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Your Pre-Approval Was DENIED - Now What?!
Only $12 MILLION LEFT - Hometown Heroes Program Update
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Only $12 MILLION LEFT - Hometown Heroes Program Update
USDA Loan - 0% Down Loan for Rural Homes
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USDA Loan - 0% Down Loan for Rural Homes
3 Tips for A Fast Closing | Homeownership Hacks
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3 Tips for A Fast Closing | Homeownership Hacks
$35,000 Worth of Down Payment Help for FL First-Time Homebuyers
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$35,000 Worth of Down Payment Help for FL First-Time Homebuyers
Should You Buy a House in 2023? | Now VS Later
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Should You Buy a House in 2023? | Now VS Later
Housing Market Prediction | Will it Crash?
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Do THIS Before Buying Your Investment Property
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Do THIS Before Buying Your Investment Property
3 Ways to Pull Cash From Out of Your House
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3 Ways to Pull Cash From Out of Your House
Buying a House Without Income Documents | No Income Verification Loan
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Buying a House Without Income Documents | No Income Verification Loan
$35,000 Down Payment Program for Homebuyers - Hometown Heroes Program
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$35,000 Down Payment Program for Homebuyers - Hometown Heroes Program
2023 FHA Mortgage Insurance Change That Will Save You $$$
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2023 FHA Mortgage Insurance Change That Will Save You $$$
Thanks alot, very clear. You should get 1M views!
I can’t wait for the bank to take my home and rob my children of an inheritance. Sign me up!
Miller William Davis Richard Brown Brian
#4 - Know when to dub your audio.
Uahhhhhh At 7 % NAAAAAA
thank u
You're welcome!
What does the heir not the survivor mean?
No
Nope
Yeah, I'm homesteaded and got the standard $50,000 reduction on my tax base, but I STILL pay $5000 in property taxes and over $2500 in CDD fees for a 2400 sq. ft. home on a 1/3 acre. And that's in Zephyrhills! Not exactly West Palm Beach!
That was very informative
Thank you!
Do you cover California
We unfortunately do not cover California but we are licensed in Alabama, Florida, Georgia, South Carolina, Texas, Virginia, and Tennessee.
If I buy a house for much more than what it was last sold at, does the homestead exemption provide the 3% increase limit to the prior assessment price or a new assessment based off the price I purchased for?
The county always reassesses a property any time there is a change of ownership. So the homestead exemption will be based on the county’s new assessed value.
Great example
I filed for homestead exemption in December 2023. Does this mean I won’t see a difference in my taxes until 2025?
This is pathetic
Why ?
Not every situation in which this happens is pathetic. Sometimes it’s strategic.
So what’s it called??
They are asking for a certificate of trust. Now I'm a bit stuck.
If u kno u kno
🤡
Hi Patrick! Do you have to do anything to apply the homestead of your previous home to your new home (portability)?
Hi! All you have to do is visit your county appraiser's website and they will have an option for you to easily file your homestead and portability.
How is the portability beneficial ? Does everyone get 50 thousand off when they get approved?@@patrickstorch
Hi patrick what is the website?
Hi Ashley, here is the website. Let us know if you have any questions! www.workforce-resource.com/dpr/lopmt/TMF?LO=patrick.storch@tmf.mortgage
I have homestead exemption & my property taxes went up by 23% in one year is that legal?
Hi! We recommend that you speak with your local property appraiser about the high percentage. But, we could walk you through this as well - we're always available by call or text at 813-616-8844.
I would like to move to Ocala and take my portability homestead with me
That's awesome! Feel free to give us a call at 813-616-8844 so we can walk you through it.
I'm in Sarasota. Can you expand on the portability? If I bought in 2012/Homesteaded, and now it's worth 500k, and then I bought and moved into an 800k home, what numerics is portable? My current tax bill would stay the same amount as the old house as on the new house, plus a 3% increase a year? Thanks.
@@Michael-qy1jz Hi Michael! If you are located in Sarasota County, your county appraiser has a super helpful chart regarding portability. I've added it here! www.sc-pa.com/exemptions/homestead/save-our-homesportability/
@@patrickstorch Thank you. !
Is this for Tampa only?
Housing market collapse like 2008 🕰️ CDO is just the truth name behind all this only that is not held by stocks can put banks in a bad position, if it’s that easy
So, uh, that's it? No information.
I closed on a second home April 6, 2023. I see past the deadline. I am there for about 7 days every month, can I file? if so Would I have to wait to until 2024 to do so?
😂😂😂
Haha that was a good one lmaoo what a good team you have Patrick 😂
Is it a tax write-off for the person or nonprofit giving the gift?
Hey there! Excellent question. Our best advice would be to get in touch with a local accountant to confirm whether you can utilize this gift as a tax write-off.
If you put down a down payment will you get the escrow back? Thnkx
Any monies you give you will not get back. HTH will apply to the principal balance of the loan. We recommend a lower escrow deposit:)
@patrickstorchmortgageteam thanks so much 😊
Very funny , the guy work form Primary Residential Mortgage in the Nashville his name is Shaun Lyons, he said buy house with no income check, that is not illegal.
I tell you story , I am live in Chicago, and I am looking house to buy in tenesse, I have house in Chicago sell 390, everything done already closing will this week, I am looking some body help for loan in tenesse, and my agent tell me, he good guy ,and nice guy, I just send him tax income for 1 year and he said i am not approve for loan., i said I can go with no income, more down payment, and he said that not illegal, he not working with that, (all federal regulations at our company and stated loans on primary residences are illegal not only in Tennessee, but the whole country unless you are borrowing from other sources such as private ) that how he said , I don't have high income but I bought 2 house aldredy, with chase bank mortgage, and I down 20% with out income . I am not sure how is different but house in teneesse
Listen you goof, he’s talking about federally backed loans, these are private lenders they can do what they want.
😂
What happens when I refinance?
pretty sure you just refi it with new loan so it just transfers over basically
P R O M O S M ☺️
💖 P R O M O S M
Haven't watched this channel in years because GOT and all our faves were wrapped up. I came back for HOD anyways, great review.
Nationwide???
Hi Ricardo! This new program is only available in Florida.
Thanks for the information. What if you missed the deadline? My property tax already went up, will it go up again this year? Thanks for your help.
You’re so welcome! You can still visit your local property appraiser's website to file for homestead to keep your property taxes from increasing substantially again this year!
@@patrickstorchdo you apply every year??
😂😂 I swear that’s how it is
Where did you hear that the occupation list is going away? I can't find any info on that.
This information is what we as lenders have been told within the industry, but it hasn't been released to the public just yet. We'll update you with any new news!
to put people who cant afford a house into debt forever...
Do people with past bankruptcy qualifie?
Yes you can, as long as you meet the bankruptcy waiting period requirements!
@@patrickstorch what’s the waiting period? I heard some states is less than others, I’m in California
Thank you for this quick and informative video! Could you share what the income requirement would be? I was told this could be a great option to consider as someone with moderate to high income. But now I’m thinking that is not the case.
It all depends on where you live and your family size. You can give us a call at 813-616-8844 so we can better discuss your options!
Do you serve ga
We do serve Georgia! Feel free to give us a call anytime Esther - we'd love to help you. Our number is 813-616-8844.
What happens if we went March 1 and it wasn’t completed? We didn’t realize both of us had to go in person. So, does it go back to the date I can prove I purchased the house or can go up another 3%?
It depends! Give us a call at 813-616-8844 so we can explain all of the details!
Taxes taxes taxes taxes taxes taxes
...dumb
My fiance and I both have our names on the house but I'm the only one on the loan. Does she need to file as well?
If it is both your primary residence and you are married then yes but for further clarification, I would go to the property appraiser website as sometimes I see where only one spouse files for the homestead.
We aren't married. I will do that though thanks.