Phoenix Star Mortgage LLC NMLS # 1858904

When you want to buy a house, there’s nothing more frustrating than being told that you can’t. Except for being told you can’t without any guidance explaining what you need to do to change that. Out-of-control spending, a lack of funds, and weak credit are all obstacles that can prevent you from buying a home. But they all are also things you have total control over. You can overcome those obstacles on your own if you know where to start. What obstacle is causing problems and standing in your way? Let us know, and we’ll help you solve those problems and get on a clear path to your new home! -------- ???? ???????????? ?????? ?????? ?????? ???????????????????????? ???????? ???? ?????? ???????? ?????????? ?????? ???????????????? ???????? -------------------- #FirstTimeHomeBuyer #FloridaMortgages #HomeOwnership #FinancialLiteracy

A recent internet search shows that Americans have, on average, $6100 in credit card debt. Nope, that’s not even close to what we see. We get it; it’s an ‘average,’ but in our experience, our clients have more than 15k in credit card debt. And this number gets higher each year. ?????? ????????, ???????? ?? ?????????? ?????? ?????????????? ???? ???????????????? ???? ?????????? ???????????? ?????? ?????????? ???????? ????????. Take your cards out of your wallet, and don’t use them unless you absolutely have to. Set a goal to have them paid off, and make a plan on how you’ll do that. Things don’t get cheaper over time; they get more expensive. If you keep swiping your cards on a whim, your finances and credit will only get worse. Don’t do that to yourself. Make this year the year you decide to take control of your credit card debt and finances. Your future self, family, and children will thank you for it! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

It doesn’t matter what you’re working on, any project is easier when you focus on one thing at a time. This is also true for reducing your credit card debts. ?? Looking at your total balances for all of your cards combined is overwhelming. But don’t stress about it; just focus and concentrate ???? ?????? ???? ?? ????????. If you have extra funds in your budget, apply it to the card with the lowest balance and continue until it’s paid off. Once the smallest card is paid, move on to the card with the next lowest balance. It’s impossible to get rid of all your debt all at once, so don’t stress yourself out trying to figure out how to do that. Just focus on one at a time, and you’ll have your credit card debt under control in no time! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

Now that the holidays are over, we’re sure you’re stressing over your credit card bills and how much you spent on gifts for friends and family. Especially when that holiday debt is not the only credit card debt you have. ?? Don’t beat yourself up about it. If you do one simple thing, you can get your credit card debt under control. ???????? ?????? ?????????? ???? ???? ?????????? ???? ???????? ???? ?????? ???????? ?????????? ?????? ??????????. Once you know how much you owe on your credit cards, you can devise a plan to pay them off. If you’re unsure about the best way to go about this, contact us today. ?? Let’s schedule a time to chat about your finances so we can share with you the steps our clients follow to quickly get their credit card balances back in line! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

Paying a credit repair or debt consolidation company to ‘fix’ your credit will not improve your financial circumstances. ???????? ?????? ?????? ?????????????? ???????? ?????????????????? ??????????????, ?????? ?????? ?????? ???????? ???? ???????? ???? ?????????? ?????????????????????? ?????? ???????????? ?????????????? ???? ???????? ??????????. It may seem like a monumental task, especially when your goal is to buy your first house. But it’s really not difficult at all; you just need a plan and a guide to help you move things forward. ?? Contact us if you’re struggling and unsure how to get your finances and credit on track for homeownership. --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

For the last six years, every loan we’ve submitted to underwriting has closed, and there has not been one loan denial. The reason for this is simple: we make sure our clients are ready for underwriting before we ever send them to underwriting. It seems simple, doesn’t it? ?? ????????’?? ?????????????? ???? ????. Throwing stuff against the wall and hoping it sticks isn’t the way to handle the largest financial transaction you’ll ever make. Do it right the first time! ?? We work hand-in-hand with our clients to make sure this happens. Whether it’s credit building, savings, budgeting, or debt management, our step-by-step process will prepare you for your loan application. And we’ll make sure that your application is approved. Message us when you’re ready to get started! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

What are you going to do in the New Year to improve your finances? Don’t make a New Year's resolution; those never work, and none of us stick to them. Most of the time, we stop before we even get started. Instead, make a commitment to yourself and your family that 2025 will be the year that you’ll take control of your money. ?? Life is challenging enough as it is without having to worry about money, credit, and debts. But credit, money, and debt happen to be the things you have total control over. So, what are you going to do about that? Are you going to control it, or are you going to let it control you? If you’re a strong, independent woman who is ready to take control of your finances, contact us so we can help you get on the road to financial freedom and homeownership. --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

Budgeting and saving to buy a home is just the beginning! You must budget for ongoing costs like utilities, maintenance, and repairs to ensure you can keep that home. It’s not just about paying the mortgage—it’s about staying on top of your finances so you’re prepared for the unexpected. Don’t let all the hard work you did preparing to buy go to waste. After closing, continue to save and budget so you can keep and enjoy your new home with zero financial stress! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

Is your car keeping you from becoming a homeowner? High car payments and multiple car loans can eat into your budget and prevent you from buying a home. If your car payment is more than $500, it’s too much. If you have two cars and only one driver in the house, you’re wasting money on the second car. Buying an affordable, reliable vehicle and taking good care of it is a much better use of your hard-earned money. If you do that, the money you’ve saved can be applied towards the mortgage payment on your new home! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate

The internet is full of general homebuying tips, but most of them are not written for or helpful to you. General information written by columnists or unlicensed sources can’t give you the personalized guidance you need. ?????? ?????????? ???? ?????? ?? ???????? ?????? ?????? ?? ??????-????????-????????-?????? ????????????????. ?? When you’re ready to start your journey to homeownership, your first step should always be to talk to a local mortgage broker. We are standing by and ready to assist with the information and guidance YOU need to start and achieve your goal of owning your first home! --------- ?? ???? ?????? ???????? ?????????? ???????? ????????, ?????????? ???? ???????????? #FloridaMortgageTips -------------------- #Mortgages #FirstTimeHomebuyer #Homeownership #FloridaRealEstate