Home Run Home Loans

Yes, and Here’s How! Think your student loan debt is holding you back from buying a home? You’re not alone, but it’s absolutely possible to qualify for a mortgage, even with student loans! To determine eligibility, lenders look at your debt-to-income (DTI) ratio, credit score, and repayment plan. At Home Run Home Loans, we help you navigate the process and find the best mortgage options that fit your financial situation. Don’t let student debt stop you from achieving your homeownership goals! Read the full blog: https://lnkd.in/gJgP8KNx #HomeBuying #MortgageTips #StudentLoans #MortgageApproval #HomeRunHomeLoans #FirstTimeBuyer

The truth is that rates are unpredictable. No one can say for sure when they’ll go down or how much they’ll change. Instead of waiting and hoping, we're here to help you shop for the best mortgage rate. With access to multiple lenders, we do the hard work for you, ensuring you get the most competitive rate for your home financing needs. Don't let uncertainty hold you back. Let’s find the right mortgage for you today! Contact us now: hrhloans.com #MortgageRates #HomeLoans #HomeBuying #HomeRunHomeLoans #MortgageShopping #DreamHome

Buying a home is exciting, but it’s important to make smart financial choices to ensure your dream home doesn’t become a financial burden. Here are three common mistakes to avoid: 1?? Overestimating Your Budget Just because you’re approved for a higher loan amount doesn’t mean you should spend it all. Stick to what you can comfortably afford, factoring in monthly expenses, savings goals, and unexpected costs. 2?? Skipping the Full Cost Picture Your mortgage isn’t the only expense. Don’t forget to account for: - Property taxes - Homeowners Insurance - HOA fees - Maintenance and repairs 3?? Making Big Financial Changes Before Closing Avoid taking on new debt, like car loans or credit cards, before your mortgage closes. Changes in your credit score or debt-to-income ratio could jeopardize your loan approval. Stay focused on your long-term financial goals, and you’ll enjoy your home without the stress of overextending your budget! Need guidance? We’re here to help: www.hrhloans.com #HomeBuyingTips #SmartHomeBuying #MortgageAdvice #HRHLoans #HomeOwnership #FinancialFreedom

Thinking about purchasing an "as-is" home? While it can be a great opportunity, securing a mortgage for these properties requires a little extra planning. Here’s what you need to know: ?? Loan Types Matter: FHA 203(k) loans or conventional renovation loans can cover repairs and renovations. ?? Home Inspections Are Key: Lenders may require a thorough inspection to assess risks. ?? Down Payments May Vary: Depending on the property’s condition, down payment requirements could be higher. "Buying an as-is home can be a smart investment, but choosing the right loan is crucial to making your dream home a reality." Learn more about your options in our latest blog: https://lnkd.in/gUNZpDJk #HomeLoans #AsIsHomes #MortgageTips #FirstTimeHomeBuyer #HRHLoans #HomeBuyingMadeEasy

Flowers? They wilt. Chocolates? Gone in a day. But a house? Now THAT’S a gift that says, “I’m in it for the long haul.” Nothing screams commitment like locking in a great mortgage rate (trust us, your partner will swoon). At Home Run Home Loans, we help you find the perfect loan to turn your Valentine’s gift into a home sweet home. www.hrhloans.com #BuyAHouse #HomeRunHomeLoans #valentinesday #funnytexts #mortgagebroker

90+ Five-Star Reviews and Counting! ????? We’re incredibly proud and grateful to share that We Home Run Home Loans has over 90 five-star reviews on Google! ?? Our amazing clients are at the heart of everything we do, and it’s an honor to help so many families achieve their dream of homeownership. Your trust and kind words inspire us to keep delivering exceptional service every single time. To all our clients—thank you for choosing us to be part of your journey. We look forward to helping even more people find their way home! Thinking about buying or refinancing? See why our clients love working with us: www.hrhloans.com #HomeLoans #5StarService #ClientLove #GratefulHeart #HomeOwnership #MortgageExperts

How Much Should You Save for a Down Payment on a House? ???? Planning to buy a home in Phoenix? The amount you need for a down payment depends on your loan type. Let’s break it down using a $450,000 home as an example: 1?? Conventional Loan: Planning to buy a home in Phoenix? The amount you need for a down payment depends on your loan type. Let’s break it down using a $450,000 home as an example: Amount Needed: $22,500 Tip: A 20% down payment eliminates private mortgage insurance (PMI), which would be $90,000. 2?? FHA Loan: Minimum Down Payment: 3.5% Amount Needed: $15,750 3?? VA Loan: Minimum Down Payment: 0% Amount Needed: $0 (Available for eligible veterans, active-duty service members, and certain members of the National Guard or Reserves.) 4?? USDA Loan: Minimum Down Payment: 0% Amount Needed: $0 (For homes in qualifying rural areas.) Other Costs to Keep in Mind: Closing Costs: Typically 2-5% of the home price. Earnest Money Deposit: Often 1-3% of the home price, or $4,500 to $13,500, applied toward your closing costs or down payment. Saving for a down payment takes planning, but knowing your loan options can help you set realistic goals. Ready to start your journey toward homeownership in Phoenix? www.hrhloans.com #HomeBuyingTips #DownPayment #PhoenixHomes #FirstTimeHomeBuyer #RealEstate #MortgagePlanning

FHA loans are a great option for first-time homebuyers or those with less-than-perfect credit. Here are some key things to know: Lower Down Payment: FHA loans typically require as little as 3.5% down. Flexible Credit Requirements: Perfect if your credit score needs improvement. Mortgage Insurance: Required for the life of the loan. Property Standards: Homes must meet FHA appraisal guidelines. FHA loans can make homeownership more accessible, but it’s important to understand the details to see if it’s right for you. ?? Contact us to learn more and start your journey: https://hrhloans.com/ #FHALoans #HomeBuyingTips #HRHLoans #MortgageSolutions #DreamHomeJourney

Your dream home is closer than you think! At HRH Loans, we simplify the process and help you every step of the way. Ready to make the move? Visit us today. ?? https://lnkd.in/g3ma_yn6 #HomeOwnership #DreamHome #MortgageMadeEasy #HRHLoans #PhoenixHomes

Real estate agents, builders, and industry professionals—let’s work together! At HRH Loans, we value strong partnerships that create seamless home-buying experiences for your clients. ?Why partner with us? - Personalized service for every client - Quick pre-approvals to keep transactions moving - Expert advice and communication every step of the way Let’s collaborate to make dreams of homeownership a reality! ?? Learn more about our partnership opportunities: https://lnkd.in/gnsKaUiD #RealEstatePartners #MortgageSolutions #HRHLoans #IndustryCollaboration #BetterTogether