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Are you missing out on potential savings by not refinancing your mortgage? With the recent drop in conforming mortgage interest rates into the low 6% range, many homeowners have pounced on the opportunity to refinance. In fact, we’ve seen a surge of over 300,000 refinance transactions in just September and October—marking the most active period in over two years. This is a crucial moment for both homeowners and real estate professionals. Not only do these refinances allow homeowners to potentially save an average of $320 monthly, but they also demonstrate the importance of staying informed about market trends. As market dynamics shift, it's essential to have timely communication with clients about their options. Strategically encouraging clients to consider their refinancing options can enhance their financial well-being and foster lasting relationships. Let’s help them take advantage of these favorable rates while reinforcing our position as trusted advisors in real estate. #MortgageRefinancing #InterestRates #ClientSavings #RealEstateAdvice #MarketTrends #HomeOwnership

Fall is the perfect time to get your home in shape! Try this simple tip to prep for the season. Whether you're buying, refinancing, or just exploring mortgage options, I'm here to help every step of the way. Let's chat today!

Navigating the home buying process can seem overwhelming, but understanding the timeline from your initial offer to closing can make it much smoother. Generally, purchasing a home can take anywhere from 30 to 60 days, depending on various factors including your mortgage readiness and the specifics of the home you choose. ?? As your mortgage advisor, I'm here to ensure your financing is clear and timely, so you can move from offer to ownership without unnecessary delays. ?? Ready to start your home buying journey with expert guidance? Call us today at (512) 653 2836. ?? Visit www.chasekelly.com to learn more about how we can streamline your mortgage process. #HomeBuyingProcess #RealEstateTips #MortgageAdvisor #HomeOwnership #BuyAHome #RealEstateAdvice #MortgageHelp #TheMortgageLink #HomeBuyersGuide #MortgageExpert

Is Home Ownership Right for You? Buying a home is likely one of, if not the biggest financial decision you’ll make in your lifetime. So, it’s incredibly important to understand the home financing process to ensure you are making informed decisions. Putting a licensed mortgage professional to work for you will help you do just this. We will guide you through the complexities of mortgage lending including discussing your down payment requirements, income necessary to purchase your desired property, your credit (providing tips on where/what you can do to improve your score if necessary), as well provide you with your options of mortgage product, lender and terms! Should you discover you are not ready quite yet, we work together to build a plan to get you to where you want to go. Contact us today to get started! #IndependentAdvice #LicensedProfessionals #IndiMortgage #interestrates #TheIndependentMortgageCompany #TheIndependentAdvantage #INDIinsights #MortgageOptions #MortgageTerm #Amortization #MortgageBroker #HomeBuying #FinancialPlanning #MortgageAdvice #HomeBuying #FinancingAdvice #ConnectWithAnExpert #MortgagePayment #HomeFinancing #FTHB #FirstTimeHomeBuyer #Canadian

1. Combine your purchasing power with a co-borrower. It’s common for married couples to purchase a home together, but you can also have "non-occupant co-borrowers" as well! You can even have more than two co-borrowers on a mortgage. 2. Consider an Adjustable-Rate Mortgage (ARM) if you believe interest rates are likely to decline. An ARM offers a fixed initial rate, typically for 3 to 10 years, followed by annual rate adjustments. This enables you to potentially enjoy lower interest payments in the future without having to refinance. 3. Go with a multi-family home with built-in additional income that can help you better manage your payments. 4. Bid yourself an Accessory Dwelling Unit. Just like a multi-family home, a property with a second livable unit can potentially help you qualify for a larger loan. 5. Reduce your rate! Seller paid buydowns, paying points or alternate loan programs can all provide a lower rate.

Owning a home is a fundamental part of the American Dream. At Mortgage Financial Services, we understand that each homebuyer's journey is unique, which is why we offer personalized mortgage solutions. Whether you're a first-time buyer, a veteran, or looking to refinance, our team is committed to guiding you through the mortgage process with ease and expertise. With a variety of loan options including VA, FHA, and conventional loans, we're equipped to meet your individual needs and help you achieve homeownership. Let us turn your dream into a reality by providing the right product and service every step of the way. #UnlockYourDreamHome #HomeFinanceSimplified #NavigateYourMortgage #PropertyInvestingPath #RealEstateGoalsAchieved #SmartMortgageChoices #EmpowerHomebuyers #FirstHomeFinder #EquityBuilders #RefinanceSmartly #LoanOptionsExplored #BuyOrRefi #MortgageMindset #PathToHomeownership #SecureYourMortgage #FutureHomeownersHub #EstateFinanceExperts #MortgageStrategySuccess #HomeLoanHelp #FinanceYourFutureHome

Owning a home is a fundamental part of the American Dream. At Mortgage Financial Services, we understand that each homebuyer's journey is unique, which is why we offer personalized mortgage solutions. Whether you're a first-time buyer, a veteran, or looking to refinance, our team is committed to guiding you through the mortgage process with ease and expertise. With a variety of loan options including VA, FHA, and conventional loans, we're equipped to meet your individual needs and help you achieve homeownership. Let us turn your dream into a reality by providing the right product and service every step of the way. #UnlockYourDreamHome #HomeFinanceSimplified #NavigateYourMortgage #PropertyInvestingPath #RealEstateGoalsAchieved #SmartMortgageChoices #EmpowerHomebuyers #FirstHomeFinder #EquityBuilders #RefinanceSmartly #LoanOptionsExplored #BuyOrRefi #MortgageMindset #PathToHomeownership #SecureYourMortgage #FutureHomeownersHub #EstateFinanceExperts #MortgageStrategySuccess #HomeLoanHelp #FinanceYourFutureHome

Owning a home is a fundamental part of the American Dream. At Mortgage Financial Services, we understand that each homebuyer's journey is unique, which is why we offer personalized mortgage solutions. Whether you're a first-time buyer, a veteran, or looking to refinance, our team is committed to guiding you through the mortgage process with ease and expertise. With a variety of loan options including VA, FHA, and conventional loans, we're equipped to meet your individual needs and help you achieve homeownership. Let us turn your dream into a reality by providing the right product and service every step of the way. #UnlockYourDreamHome #HomeFinanceSimplified #NavigateYourMortgage #PropertyInvestingPath #RealEstateGoalsAchieved #SmartMortgageChoices #EmpowerHomebuyers #FirstHomeFinder #EquityBuilders #RefinanceSmartly #LoanOptionsExplored #BuyOrRefi #MortgageMindset #PathToHomeownership #SecureYourMortgage #FutureHomeownersHub #EstateFinanceExperts #MortgageStrategySuccess #HomeLoanHelp #FinanceYourFutureHome

???Exciting Announcement! Are you planning to buy a home but feeling overwhelmed by the mortgage process? ?? I’ve put together a comprehensive PDF guide that breaks down the basics of the home mortgage process. Whether you’re a first-time homebuyer or looking to refresh your knowledge, this guide will help you navigate each step with confidence. ?? Download the PDF now and empower yourself with the knowledge you need to make informed decisions on your home buying journey. ?? [ https://lnkd.in/g6anYTHp ] Feel free to share this post with anyone who might benefit from it. Let's make home buying less daunting and more accessible! #HomeBuying #MortgageTips #RealEstate #HomeOwnership #FinancialLiteracy

Top Questions Mortgage Clients Should Ask About Estate Planning When your clients are securing a mortgage, it’s a great opportunity to educate them on estate planning. Encourage them to ask: Should I update my will after buying a home? How can I protect my property in my estate plan? What happens to my mortgage if I pass away? By addressing these questions early on, your clients can avoid potential legal challenges down the line. ?? How often do your clients bring up estate planning during the mortgage process? Share your experience below! #MortgageBrokers #ClientEducation #EstatePlanning #WillWriting #HomeBuying