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โ—๐Ÿก ๐—ก๐—ฒ๐˜„ ๐—ฐ๐—ผ๐—ป๐—ณ๐—ผ๐—ฟ๐—บ๐—ถ๐—ป๐—ด ๐—น๐—ผ๐—ฎ๐—ป ๐—น๐—ถ๐—บ๐—ถ๐˜๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—™๐—ฎ๐—ป๐—ป๐—ถ๐—ฒ ๐— ๐—ฎ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—™๐—ฟ๐—ฒ๐—ฑ๐—ฑ๐—ถ๐—ฒ ๐— ๐—ฎ๐—ฐ ๐—บ๐—ฎ๐˜† ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐˜† ๐—ณ๐—ผ๐—ฟ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ต๐—ผ๐—บ๐—ฒ! ๐Ÿ˜€

Today's news means you may be able to qualify for ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฎ๐˜ ๐—ฎ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ, because a "conforming" loan often has a better rate than a "jumbo" loan that you would normally need for higher mortgage amounts.

The conforming loan amount is going from $548,250 to $647,200 in 2022. Some areas of the country qualify for even higher limits, sometimes as high as $970,800.

๐—œ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฑ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜๐—ผ ๐—ธ๐—ป๐—ผ๐˜„ ๐—ต๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐˜€ ๐˜†๐—ผ๐˜‚, ๐—น๐—ฒ๐˜ ๐—บ๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„ ๐—ฎ๐—ป๐—ฑ ๐—œ'๐—น๐—น ๐—ฏ๐—ฒ ๐—ด๐—น๐—ฎ๐—ฑ ๐˜๐—ผ ๐—ด๐—ผ ๐—ผ๐˜ƒ๐—ฒ๐—ฟ ๐—ถ๐˜ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚.

๐—ฅ๐—ฒ๐—บ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ, ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฟ๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ธ๐—ถ๐—ป๐—ด ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ผ๐—ฟ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด, ๐—œ'๐—บ ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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โ—๐Ÿก ๐—ก๐—ฒ๐˜„ ๐—ฐ๐—ผ๐—ป๐—ณ๐—ผ๐—ฟ๐—บ๐—ถ๐—ป๐—ด ๐—น๐—ผ๐—ฎ๐—ป ๐—น๐—ถ๐—บ๐—ถ๐˜๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—™๐—ฎ๐—ป๐—ป๐—ถ๐—ฒ ๐— ๐—ฎ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—™๐—ฟ๐—ฒ๐—ฑ๐—ฑ๐—ถ๐—ฒ ๐— ๐—ฎ๐—ฐ ๐—บ๐—ฎ๐˜† ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐˜† ๐—ณ๐—ผ๐—ฟ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ต๐—ผ๐—บ๐—ฒ! ๐Ÿ˜€

Todays news means you may be able to qualify for ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฎ๐˜ ๐—ฎ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ, because a conforming loan often has a better rate than a jumbo loan that you would normally need for higher mortgage amounts.

The conforming loan amount is going from $548,250 to $647,200 in 2022. Some areas of the country qualify for even higher limits, sometimes as high as $970,800. 

๐—œ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฑ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜๐—ผ ๐—ธ๐—ป๐—ผ๐˜„ ๐—ต๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐˜€ ๐˜†๐—ผ๐˜‚, ๐—น๐—ฒ๐˜ ๐—บ๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„ ๐—ฎ๐—ป๐—ฑ ๐—œ๐—น๐—น ๐—ฏ๐—ฒ ๐—ด๐—น๐—ฎ๐—ฑ ๐˜๐—ผ ๐—ด๐—ผ ๐—ผ๐˜ƒ๐—ฒ๐—ฟ ๐—ถ๐˜ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚.

๐—ฅ๐—ฒ๐—บ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ, ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ธ๐—ถ๐—ป๐—ด ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ผ๐—ฟ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด, ๐—œ๐—บ ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
Ask neighbors about pros they trust! If youโ€™re looking for plumbers, electricians or other pros, ask your neighbors. You tend to get decent advice if you get it from people who live near you. #TipTuesday

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ก๐—ผ๐˜ƒ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฎ๐Ÿต๐˜๐—ต, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ฒ๐—ฟ๐—ฒ ๐—ฒ๐—ฟ๐—ฟ๐—ฎ๐˜๐—ถ๐—ฐ ๐—ฏ๐˜‚๐˜ ๐—ฏ๐—ฎ๐˜€๐—ถ๐—ฐ๐—ฎ๐—น๐—น๐˜† ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฑ ๐˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿ‘
Average mortgage rates last week were generally worse heading into Thanksgiving, but on Friday started to see improvement after markets were shaken up by the announcement of a new covid variant and the reactions amongst different countries.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
It's tough to forecast how this week will play out for mortgage rates, as it will depend on how markets continue to react to this new covid issue. If concerns increase that this new variant could cause the global economic recovery to slow down, we could see that help mortgage rates hold steady or even improve a bit more. If instead this new variant is proven to be more benign and countries remove the travel restrictions recently set in place, it could pressure rates a bit.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Economic data: Most economic data this week won't affect rates, however Friday we will see jobs data that could have an effect.
- Omicron: Rates will be affected this week as we find out more about the newest covid variant and its affect on the global economy.
- The Fed: Speculation of how the Fed will react to the recent events could play a small role in rates this week.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ก๐—ผ๐˜ƒ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฎ๐Ÿต๐˜๐—ต, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ฒ๐—ฟ๐—ฒ ๐—ฒ๐—ฟ๐—ฟ๐—ฎ๐˜๐—ถ๐—ฐ ๐—ฏ๐˜‚๐˜ ๐—ฏ๐—ฎ๐˜€๐—ถ๐—ฐ๐—ฎ๐—น๐—น๐˜† ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฑ ๐˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿ‘ 
Average mortgage rates last week were generally worse heading into Thanksgiving, but on Friday started to see improvement after markets were shaken up by the announcement of a new covid variant and the reactions amongst different countries.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ 
Its tough to forecast how this week will play out for mortgage rates, as it will depend on how markets continue to react to this new covid issue. If concerns increase that this new variant could cause the global economic recovery to slow down, we could see that help mortgage rates hold steady or even improve a bit more. If instead this new variant is proven to be more benign and countries remove the travel restrictions recently set in place, it could pressure rates a bit.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Economic data: Most economic data this week wont affect rates, however Friday we will see jobs data that could have an effect.
- Omicron: Rates will be affected this week as we find out more about the newest covid variant and its affect on the global economy.
- The Fed: Speculation of how the Fed will react to the recent events could play a small role in rates this week.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
Happy Hanukkah! ๐Ÿ•Ž

Do you have a vacation rental that you are hoping to finance this holiday season? The process for securing financing for a short-term rental is different than a normal residence. So, read below to learn about lending options and how to get started.

Traditional Financing

If youโ€™re buying your first vacation rental property, the most familiar option to you will probably be a traditional or conventional loan. A traditional loan offers some of the most competitive interest rates on the market โ€” but also has some of the most restrictive lending requirements and is the least scalable option for investors looking to grow a property portfolio.

Traditional lenders will generally look at two factors to qualify the loan: the creditworthiness and income. Most lenders allow a maximum debt-to-income ratio of around 43%.

Asset-Based Loan

Unlike a traditional loan, asset-based loans are evaluated by looking at the actual or potential income of a given property (rental income), rather than an individual borrowerโ€™s W2 income and debt-to-income ratio.

Lenders will look at the income of the property and calculate the Debt Service Coverage Ratio (DSCR) to qualify the loan. This type of loan is a significant advantage to an investor because borrowing power is not constrained by individual income.

There are options to consider when thinking about purchasing a second home. So, investigate the best available financing option when buying a vacation home. I am here to help you along the way!
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Do you have a vacation rental that you are hoping to finance this holiday season? The process for securing financing for a short-term rental is different than a normal residence. So, read below to learn about lending options and how to get started.

Traditional Financing

If youโ€™re buying your first vacation rental property, the most familiar option to you will probably be a traditional or conventional loan. A traditional loan offers some of the most competitive interest rates on the market โ€” but also has some of the most restrictive lending requirements and is the least scalable option for investors looking to grow a property portfolio.

Traditional lenders will generally look at two factors to qualify the loan: the creditworthiness and income. Most lenders allow a maximum debt-to-income ratio of around 43%.

Asset-Based Loan

Unlike a traditional loan, asset-based loans are evaluated by looking at the actual or potential income of a given property (rental income), rather than an individual borrowerโ€™s W2 income and debt-to-income ratio.

Lenders will look at the income of the property and calculate the Debt Service Coverage Ratio (DSCR) to qualify the loan. This type of loan is a significant advantage to an investor because borrowing power is not constrained by individual income. 

There are options to consider when thinking about purchasing a second home. So, investigate the best available financing option when buying a vacation home. I am here to help you along the way!
Give me a call to see if refinancing can help you save some money this holiday season! ๐Ÿ’ฐ ๐ŸŽ 203.526.9345
Have a happy and healthy Thanksgiving! ๐Ÿฆƒ ๐Ÿ
Just a little something to make you laugh... ๐Ÿ˜‚

๐Ÿ— ๐—ช๐—ถ๐˜€๐—ต๐—ถ๐—ป๐—ด ๐˜†๐—ผ๐˜‚ ๐—ฎ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐˜†, ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต๐˜† ๐—ง๐—ต๐—ฎ๐—ป๐—ธ๐˜€๐—ด๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด! ๐Ÿฆƒ

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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