Michelle is much more than a licensed Mortgage Broker. She is a consultant, an advisor, and a trusted professional. Michelle listens to her clients, and strives to truly
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Thursday, October 31, 2024
The spookiest mortgage move? Taking out a new loan while you're in the midst of getting approved for a mortgage.
This move can seriously shake up your credit profile and affect your approval chances.
Avoid this by keeping your financial moves steady and simple during the approval process.
π» Stay spooky smart and make sure your financial strategy is on point!
Before you rush into renewing your mortgage, take a minute to explore your options.
Your lender's renewal offer might seem convenient, but it's not always the best deal.
By taking the time to compare rates and terms, you could save money over the life of your mortgage.
This is where working with a mortgage broker comes in handy. Brokers have access to a wide range of lenders, including alternative lenders that may offer more competitive rates or flexible terms.
Ready to fall in love with your new home this season?
Here's a quick checklist for home-buyers:
π Get pre-approved & plan for seasonal costs π Look for fall deals & new listings π Check roof, insulation, & furnace π Explore the area at different times π Schedule your move & pack early π Review documents & fees π Prepare your new home for winter
Is there anything else you're adding to your list?
Mortgage brokers can do a lot of things, but here's one thing we can't do . .
Provide legal advice!
As your mortgage broker, our role is to guide you through the home financing process, find the best mortgage rates, and help you understand your options. However, when it comes to legal mattersβsuch as interpreting legalities in your mortgage documents or understanding the implications of contract termsβwe recommend consulting with a qualified real estate lawyer.
Going through a divorce is challenging enough. Deciding what to do with your home can add another layer of complexity.
If you're considering keeping the house, here are a few important things to think about:
β Affordability: Make sure you can cover the mortgage, property taxes, and maintenance costs on your own. Is your income enough to handle these expenses without stretching your finances too thin?
β Refinancing the Mortgage: You might need to refinance the mortgage to remove your ex's name from... more
Posted at 05:59 PM
Tuesday, October 8, 2024
When your fall vision board looks like this... ππ‘
Dreaming of crisp autumn days, cozy interiors, and finally finding your perfect home?
Whether it's a new space, exploring investment opportunities, or stepping into homeownership for the first time, now is the perfect time to start planning.
Here are three things to consider when applying for a mortgage:
π« Avoid buying large items on credit, like a new car or expensive furniture, as this can affect your credit score and debt-to-income ratio.
π« Stability is important. Switching jobs or careers during the mortgage process can raise concerns about your financial stability and affect your application.
π« Check your credit report for errors or outstanding debts that could impact your mortgage approval. Address any issues before... more
The spookiest mortgage move? Taking out a new loan while you're in the midst of getting approved for a mortgage.
