Sirva Mortgage Inc., NMLS ID #2240

Home prices are rising because the housing shortage gives sellers an advantage. At the current rate, it would take an estimated 3.3 months to sell all the available houses in the United States. A four to seven month supply is considered healthy and balanced. #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Always review your mortgage documents carefully before signing. Besides listing your monthly payments and interest rates, it will also discuss fees, penalties, down payments, and closing costs. Contact your mortgage consultant if there are terms you don't understand. #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Escrow accounts also protect buyers and sellers during the mortgage process. By holding your down payment until the sale is finalized, they ensure money doesn't change hands until each side has fulfilled their obligations, minimizing risk of non-compliance. #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Massive congratulations to Shannon L. Cutshaw for 20 years of outstanding dedication at Sirva Mortgage! Your contributions have been invaluable to our success. Thank you for your hard work!

Home buying can be frustrating. Sellers may reject your offer or get cold feet. Inspectors might discover problems with the property. Competition might put desirable neighborhoods outside your budget. But markets always reward people who keep looking, so don't give up! #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Thinking of purchasing a new home? Our affordability calculator will help you determine how much house will fit within your budget. #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Consumers can request free credit reports by going to www.annualcreditreport.com. Always ask for one before applying for a mortgage. Make sure your personal information and account details are correct, and alert the agency if you notice any fraudulent activity. #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Helen Keller once said: "The best and most beautiful things in this world cannot be seen or even heard, but must be felt with the heart." We couldn't agree more. Happy Valentine's Day! #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome #valentinesday #valentine

Instead of manually uploading your financial documents one by one, Sirva Mortgage uses an online asset verification program to streamline the lending process - reducing the time needed to verify your assets. #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome

Debt-to-income (DTI) ratio is one of the ways lenders assess risk. Many mortgage programs have specific DTI requirements. Contact us to learn more! #mortgage #realestate #realtor #mortgagebroker #home #firsttimehomebuyer #newhome