Sharing More Of YOU! | Creating Videos That Create Engagement

Realtors! Collab With Us On a Professional Video Today (it’s a win-win situation!)

We want to help you, help more clients. Contact The Hunter Home Loan Team if you are interested in creating a professional video that shares more about you, your real estate business, and level of service you provide! We will help you put this video together and share it with your audience. Reach out today, we look forward to talking with you! (727) 315-1635

Chat with The Hunter Home Loan Team Today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

Meet Trish Bannister | A Lead Agent on the Walseth Team!

Thanks For Joining Us Trish Bannister | Your Local Realtor Highlight!

Are you looking for a single-family house, second home, vacation home, or a condo on one of Pinellas Counties Gulf Beaches? Trish Bannister would be a great fit for you! Her knowledge of the Bay area beaches, each vibe they bring, and what they have to offer will take the stress and burden off of you, as she is there every step of the way. She specializes in the 9 Gulf Beaches: Indian Rocks, Redington, Madeira, Treasure Island, St Pete Beach & many more! Give Trish a call today, we highly recommend her, and know you will have a smooth buying/selling process!

Chat with Trish Bannister today!

Trish is your boots on the ground at all times. CALL her today! (727) 249-5140

OR connect with Trish here: https://www.walsethteam.com/agent/tri…

Have questions about mortgages & home loans? Call The Hunter Home Loan Team day or night, we are here for you (727) 315-1635

Pros & Cons of Mortgage VS Rent | Hunter Home Loan Blogs

Mortgage Vs. Rent | What is the difference?

The money you pay on your mortgage each month is building equity for you. Rent on the other hand, is money you’re going to throw away and never see again. However, make sure you always consult a tax professional. You can compare buying a home to an investment account that you actually live in. Property values typically increase plus you’re paying the same amount you normally would in rent. So, the benefit is two-fold. That money is wiggling away at the total balance of your mortgage. The investment is increasing in value plus, the balance of your mortgage is decreasing every time you make a payment. In 5 years, you can increase your net-worth by thousands, if not tens of thousands of dollars.

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

Message to Millennials | The Hunter Home Loan Team

Millennials…DOWNLOAD Our FREE Ebook!

I am born and raised in the Tampa Bay area, I have bought homes in the Tampa Bay area, and have been fortunate to help thousands of people purchase homes in the Bay Area. Millennials download my FREE ebook today, designed to guide YOU when buying your first home straight out of college!

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

What Credit Score Do You Need To Buy A Home?

What Credit Score Do You Need When Buying a Home?

You don’t have to have perfect credit to buy a home…. and over time, owning a home will actually improve your credit score assuming you are paying timely! Your credit score can be as low as 580, depending on the loan product you’re applying for. As far as the general rule, the higher your credit score, the better the loan term and better your borrowing costs and interest rate will be. Makes sense, right!

You can improve your credit score by paying down your credit cards, keep your revolving account balances below 30%, paying things like utility bills and other bills on time, and checking your credit report for inaccuracies that could be dragging your score down. We do have products for even lower credit scores with greater than 20% down and we can help you improve your credit score saving you time and money in the long run!

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

Is There Such Thing As Good Debt?!

A Mortgage is a good debt or bad debt?

Usually, when hearing the word, debt, it brings up a lot of bad images. Mortgages, however, are good debt, that’s because they build equity and invest value back into you. Good debt is typically debt that you pay and also helps you build equity. Bad debt would be things like rent and credit cards because once you spend that money, you’re going to get any other benefit.

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

Fixed Rate vs ARM Part 2

Fixed Rate Mortgages VS. ARM (part 2)

Last time we talked about the advantages and disadvantages of Fixed Rate Mortgages, now we focus on Adjustable Rate Mortgages. We don’t know what that was here, with an A.R.M you get lower payments early on in the loan. You also learn how to refinance and take advantage of falling rates, you are at the mercy of the market and dropping rates means dropping monthly payments. This is a great opportunity for someone that isn’t planning to live in a house very long, the flip side of that means that rates and payments can rise in a relatively short period of time. Upside down A.R.M can be difficult to understand and potentially bewildered online.

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

Fixed Rate vs ARM Part 1

Fixed Rate Mortgages VS. ARM (part 1)

With Fixed Rate Mortgage, your interest rate is set once you take out the loan and remains the same through the duration of your payments. With an adjustable rate mortgage or ARM, like arm! Your interest may go up or down, so actually, which one of it is better? This can get pretty in depth, so let’s start with the Fixed Rate Mortgage. They offer a consistent mortgage payment regardless of what happens in the economy. Making it simple to understand and budgeting much easier. One downside is 30 year fixed rates are typically higher than most ARM products. If you decide to refi down the line there are costs in some way associated with refinancing and if rates are higher at that time it won’t make sense. We will talk about Adjustable Rate Mortgages in Part Two, but if you have any questions lets share a call!

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

Those who are feeling overwhelmed, or are Interested in learning more about loans we offer or loans approved with conditions Check out our resources here for agents or clients…We are here for YOU!

What is a VA Home Loan?

VA Home Loan Requirements Explained

What is a VA home loan?  A VA home loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with little or no down payment.

I believe the VA home loan is the best product in mortgage lending and it has the best pricing per the loan details. If you are eligible for a VA loan I highly recommend looking into it and we would love the opportunity to serve you! The most utilized and greatest benefit is- the option of no money down, with no mortgage insurance… which is amazing and rare in the mortgage world.

Another benefit is the ability to borrower up to 484,000 without the loan being considered a jumbo loan, and yes there are still jumbo loan limits that go even higher near 1 million dollars. There are limitations on Veterans closing costs which means you typically save on your costs. You do not have any prepayment penalties on a VA home loan. If you decide to refinance one day the process is streamlined (which means easier) and the cost and rates can be less than a traditional mortgage.

VA mortgages are assumable, which means you may be able to have someone take over your mortgage payment when you sell, this can be a big benefit to a buyer in a rising rate environment and make it easier to sell. Down payment and closing costs can be gifted. Closing costs can be gifted from a relative or even the seller can contribute towards closing cost on a VA home loan.

These are a  few benefits of why I enjoy providing the VA home loan and why I enjoy sharing our VA home loan options. We love helping our Veterans and serving them. We have been fortunate to help Thousands of Veterans with VA Home loans, thank you for your service and allowing us to help! Please reach out to talk more! (727) 315-1635

Movement Mortgage is committed to helping military families across the country!
Chat with our experts today, and learn more about the VA Home Loan requirements and benefits in Florida specifically.

Good News…Tipped Employees Can Purchase a House Too!

Home Loans For Tipped Employees

The good news? Tip earners can purchase a house just like anyone else. The not so good news is, you must report all your tip income to the IRS. I know that’s not the answer you want to hear, but if the income is not claimed, it cannot be used. The reason is, underwriters average the last 2 years of your income to determine how you qualify as a buyer when the income is variable. So, if your tip income isn’t claimed, your buying power is going to be a lot lower than if it is claimed to the IRS. And everyone else, make sure you tip your servers, you could be helping them buy a house in the near future.

We have helped many buyers borrow with tip income, reach and lets put your buying and mortgage plan together! That’s your mortgage minute 

Chat with us today!

For more details on how to prepare and what to expect at your first meeting with a mortgage professional or if you are interested in getting started on your loan approval process, please contact our Hunter Home Loan Team at 727-315-1635.

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