Thank you so much Shayne! I sincerely appreciate your kind words. Your entire family is amazing and thank you for putting all your trust in me to help with your home financing 🙂
Beginning this week, free at-home rapid COVID test kits will be available for order through a government website. But how many can you order, which tests will you be sent and when will actually get th...
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🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟰, 𝟮𝟬𝟮𝟮
𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Average mortgage rates ended last week just slightly worse, improving as the week went on after opening Tuesday with worse rates (markets were closed Monday in observance of MLK Day). Mortgage rates have moved higher to start the year as the economy and labor market return to pre-pandemic levels.
𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates should be stable and possibly slightly better to start the week, but Wednesday's Fed meeting policy statement and press conference are likely to cause volatility. It is a good idea to stay in contact with your mortgage professional this week, especially if you are at a point in your mortgage process where you are considering locking.
🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed Meeting: This week's Fed meeting is likely to cause rates to move, with a higher likelihood that rates could get worse rather than improve. Investors will be looking for signs of how aggressive the Fed will be in fighting inflation, as well as signs of when the Fed will begin reducing its balance sheet.
- Concerns over Russia and Ukraine: Escalating tension in the region is pushing investors to take a risk-off stance, helping bonds to improve which helps mortgage rates.
#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance ... See MoreSee Less
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What does "GPM" stand for? #mortgageacronyms ... See MoreSee Less
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Many people have a love/hate relationship with organizing their homes. If that sounds familiar, you are not alone!
While there’s no guarantee you’ll enjoy the process of organizing your home, these tips are sure to leave you and your living space refreshed. The question is, where to begin? Let's start with the garage.
Often, the garage serves as more than a place to store the car. It can house holiday decor, sporting items, buckets of memories, and lots of tools and equipment.
Do you have extra wall space?
Hang tools and bikes on the wall for added space and categorize your items with shelves and bins.
Do you have items you haven't touched in years?
Throw away or donate items you no longer use or need.
Is there anything that can be moved to a crawlspace?
Make seasonal switches and find a system that works for your lifestyle.
The most important thing to remember, regardless of your method, is to finish what you start! I am here to help you along the way. ... See MoreSee Less
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New 5.0-star Review: "Audra is absolutely AMAZING! She’s professional, timely and trustworthy. She takes all the stresses of buying a home away with her genuine personality. Look no further as Audra is simply the best. I highly recommend her for all your mortgage lending needs! " ... See MoreSee Less
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Thank you so much Shayne! I sincerely appreciate your kind words. Your entire family is amazing and thank you for putting all your trust in me to help with your home financing 🙂
Most people will spend more time this year planning their vacations than their futures. It is easy to say you will deal with things as they occur, but getting older is one thing none of us can avoid. Time is the singular most valuable component when planning for your future financial well-being, and it is something we cannot get back.
Socking away a small percentage of your income into a 401K or similar plan is a good start, but it is not enough. You also need a comprehensive look at your goals.
Your mortgage plays a vital role in your financial planning, and it is important to take stock of it accordingly. If you would like to learn more about taking a productive view of your loan, we are always happy to help. ... See MoreSee Less
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LLPAs are upfront premiums added to the cost of a loan to account for circumstances that are perceived to increase risk. High loan to value ratio, credit score, property type, occupancy and the various combinations of these factors impact LLPAs.
For example, a borrower with a high credit score who purchases a single family home as a primary residence with a 30% down payment will likely be subject to few, if any, LLPAs. A lower credit score buyer using a small down payment to buy a condo may incur several LLPAs.
LLPAs are one reason why advertised rates rarely tell the full story. Only quotes that take into account all factors for borrowers, property, use and occupancy can be accurate.
Call me whenever you are getting a quote to refinance or purchase and I can guide you in exactly why you are not getting the published rate that so many lenders advertise on the web. ... See MoreSee Less
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🚨 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘁𝗵𝗼𝘀𝗲 𝗼𝗻𝗹𝗶𝗻𝗲 𝗮𝗱𝘀 𝗳𝗼𝗼𝗹 𝘆𝗼𝘂 😲
Rates have moved up higher in recent weeks, but many online ads are still advertising rates that were barely attainable even months ago when rates were at their lowest. 😡
These ads can make you question if you're getting a good low rate, or if you should be looking elsewhere.
👉 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘁𝗵𝗲𝗺 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳. If I'm quoting you an interest rate, you can count on it being attainable and being a low rate for the current rate environment. You don't have to fear you'll overpay or be taken advantage of when you work with me, and you can be assured that the rates I quote you are not bait-and-switch rates like these online ads.
While it is true that rates have moved sharply higher recently, we are still seeing some of the best mortgage rates in years. Rates are returning to pre-pandemic levels, as the economy has recovered, and rates are not likely to significantly drop anytime soon.
✅ 𝗜𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘁𝗮𝗹𝗸 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝗿𝗮𝘁𝗲𝘀 𝘄𝗼𝘂𝗹𝗱 𝗹𝗼𝗼𝗸 𝗹𝗶𝗸𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝗲𝗱 𝗶𝗻 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴, 𝗼𝗿 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗼𝘂𝘁 𝘁𝗵𝗲𝗿𝗲 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲, 𝗷𝘂𝘀𝘁 𝗹𝗲𝘁 𝗺𝗲 𝗸𝗻𝗼𝘄. I'd be glad to run the numbers for you and to talk about how we can get you a low rate... just maybe not as low as the liar ads you see online.
#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance ... See MoreSee Less
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One of the cornerstones of good planning is leaving clear instructions. Dying "intestate" (without a will) leaves your heirs or even the courts to make decisions
on your behalf. Without a will, chances are good that things would not be done
the way you would prefer.
If you've already taken care of this, kudos. If not, move it to the top of your to do list. If you need a great attorney, don't hesitate to ask. I'll be happy to make a referral. ... See MoreSee Less
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Ordering starts today for your FREE kits!
Residential households in the U.S. can order one set of 4 free at-home tests from USPS.com. Here’s what you need to know about your order:
* Limit of one order per residential address
* One order includes 4 individual rapid antigen COVID-19 tests
* Orders will ship free starting in late January ... See MoreSee Less
Which Test Will You Get? When Can You Order? Here's What to Know About Free COVID Test Kits From the Government
www.nbcchicago.com
Beginning this week, free at-home rapid COVID test kits will be available for order through a government website. But how many can you order, which tests will you be sent and when will actually get th...Comment on Facebook