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How to save on Your Mortgage Loan

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Saving money on your Mortgage Saving Money on Your Loan In the quest to secure the dream of homeownership while ensuring financial wellness in Florida , there are several strategies borrowers can employ to minimize interest rates, closing costs, and the overall cost of a home in 2024. Navigating these costs effectively requires a blend of negotiation skills, knowledge of available mortgage products , and an understanding of timing in the mortgage process. Here are some actionable tips and insights to guide you: 🏦 Lowering Closing Costs Closing costs, the fees associated with finalizing a mortgage, can significantly impact your overall home purchase expenses. They typically range from 2% to 6% of the loan amount. Here are strategies to minimize these costs: Compare Loan Estimates : Before settling on a lender, request Loan Estimates from multiple lenders to compare closing costs and lender fees. This document outlines your loan terms, projected monthly payments, and closing costs. Co...
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Broker vs Lender

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Why use a Mortgage Broker   10 Benefits of Using a Mortgage Broker for Home Loans I am a Florida based mortgage broker . I work for YOU , not the lender . I work with over 100 different wholesale lenders to get you the best deal available . We are talking about money! We all have the same money, its a matter of how much are YOU willing to pay for the use of that money. We are not selling Art work - that would have a different cost depending on the artist😉 Home loans should not cost more, just because you are working with a " preferred lender " or an " in house lender ". This is your HOME and YOU deserve the best deal with the lowest cost - PERIOD - FULL STOP! Here are just a few reasons to use a broker for your next home loan - and if you are in Florida - I am ready to walk you through the process to get you the best deal on your mortgage. 1. Access to Multiple Lenders : Mortgage brokers work with a variety of lenders, which can provide borrowers with ac...
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First Time Home Buyer

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Avoid these 5 mistakes as a First Time Homebuyer A First-Time Home Buyer's Guide to Navigating the Mortgage Maze 🏡💰 Hello there, future homeowner! 🤗 I understand that buying your first home can be both exciting and overwhelming. But don't worry, I'm here to help you navigate the world of mortgages and guide you through the process step by step. With 30 years of experience as a mortgage loan officer , I've got some valuable insights to share. Let's get started on your journey to homeownership ! 🚧 Building Your Foundation: Understanding Your Finances 🏗 Before you dive into the home-buying process, it's essential to build a strong financial foundation: Know Your Budget: 🧮 Start by determining how much you can comfortably afford for your new home. Use online calculators to estimate your monthly mortgage payments, taking into account property taxes , insurance, and other expenses. Check Your Credit Score: 💳 Your credit score plays a crucial...
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