Things To Know If You’re a New Home Buyer!

Brand New Home Buyer Questions You May Be Wondering!

We had a situation with a new home buyer recently who was younger and had already been prequalified by another lender and was referred to Jason, because he still had a few questions about lending and buying a home that was not answered. It was interesting that he had been through the application process but had no idea about his loan options, mortgage insurance, escrows, closing costs, and more. So Jason sat down with him and walked through everything. It is so important to KNOW what you are signing! It is important to us at Movement Mortgage to help people understand their options and the why behind what is going on and what is needed. Educating our clients is one of our biggest passions and it is so important that we are getting this information to the community and going through the things that buyers need to know, which are:

  1. What are the different loan options available to them?
  2. How does down payment assistance work?
  3. What is available in the Tampa Bay Area?
  4. How does mortgage insurance work?

Most first time home buyers are entering into some kind of down payment assistance program. Please reach out to us if you are a first time home buyer and let us know what we can do to help better serve you and the community!

Start Prequalification Application here!

5 Keys to A Great Real Estate Video

5 Keys to A Great Real Estate Video | Start Your Year Off Right!

We offer a variety of resources for real estate agents and clients on our website. Our assortment of guides helps to lead you in the right direction in a home buying world that can be very confusing at times. Our Hunter Home Loan Team is here to help hold your hand and give you all the tools you need for the best experience.

Realtors, check out our 5 keys to a great real estate video here!

There are five keys that every video should include in order to truly engage viewers — and get the best results for your business.

  1.  Choose a Relevant Topic
  2. Include Insights & Takeaways
  3. Target a Specific Audience
  4. Include Captivating Visuals
  5. Brand the Video for That Personal Touch

Start Prequalification Application here!

10 Easy Steps to Obtaining a Home Loan

10 Easy Steps to Obtaining a Home Loan in 2020

I have spent over 15 years as a home loan lender, and have seen so many situations where people get worked up about the home loan process! So today I am going to tell you 10 easy steps to obtaining a home loan.

  1. Complete Prequalification Application – this gives the mortgage lender all the information they need so they can start to formulate a strategy that is best for your specific situation.
  2. The lender will pull your credit report – this is VITLE!
  3. Documentation (what holds people back) – the key is that you want to get it to the lender as soon as possible and usually the documentation changes the numbers and strategy.
  4. Once the lender has reviewed the application, credit report, and documentation, they are going to issue you a prequalification letter.
  5. The fun part…TIME TO GO SHOPPING and find your perfect house!
  6. Once you find your house, submit an offer on the house. Once you are under contract. Now the lender will start the process to close the contract.
  7. As soon as the lender receives your contract, and depending on your close time frame and escrows, they are generally going to lock in the interest rate and send you your first set of “loan disclosures.” They will walk through the disclosures and process with you. Everything is on the table and clear.
  8. The Underwriting to Close process will begin. (We do underwrite loans prior to contract to deliver a higher level of service.)
  9. Closing Process – the loan is approved and your lender is moving your file into the closing. Your lender will coordinate with the realtor and the title company and you, on signing your final loan disclosures and timing of it.
  10. Get your loan funded – lender sends money to the title company, escrow company, and they will record the deed of trust and YOU will get the keys!

There are a lot of steps, but this is why you should be working with an experienced lending company like us at The Hunter Home Loan Team! Contact us today to start your process today!

Start Prequalification Application here!

Kyle Manderscheid Smith & Associates X Brandon Kelter

Kyle Manderscheid Smith & Associates X Brandon Kelter

Brandon Kelter with Hunter Home Loan x Movement Mortgage interviews Kyle with Smith & Associates! Kyle was born and raised in St Pete FL and his family has always played a big role in real estate and so he has found his own niche in the area.

Kyle specializes in marketing and finding clients looking to buy their perfect place in the St Pete area. Seeing the joy on his client’s face when he finds them a new place to call home is what drives his passion every day.

We highly recommend Kyle as your realtor if you are looking to buy or sell in the Saint Petersburg or Tampa Bay area!

Phone: (727) 324-3419

Email: kmanderscheid@smithandassociates.com

December Realtor Playbook | Download Now!

December Realtor Playbook | Download Now!

Our monthly playbook is now out! We encourage all our realtors to download the PDF and learn how to increase your closings in the new year. The Hunter Home Loan Team loves building relationships with the realtors in the St Pete/ Tampa communities. Reach out to us if you have questions or want to learn more about how we do things better!

In this month’s playbook, you will get the following valuable info:

  1. Inspiration
  2. Tips & Tricks for Listings
  3. Business Planning & Scheduling for Success
  4. Social Media Tips & Tricks
  5. Monthly Scripts Vault
  6. Monthly Feature

DOWNLOAD DECEMBER PLAYBOOK HERE!

Home Loan Mistakes That Could Cost You!

Mortgage Home Loan Mistakes That Could Cost You This Season

These mistakes are applicable throughout the year that we are about to list, but even more so during the high-spend holiday season. With a family of your own or even extended family, things can get costly, and we want to be sure you are aware of these tips that could save you big bucks.

1. Keep Your Credit Card Tucked Away

A smart mortgage lender will tell their client to stay clear of using their credit card when in the home buying/ closing process. If your loan is based on your FICO score, the last thing you want is for any of that to change when in the pre-approval process. You should be okay if you are spending small amounts, but if you are thinking about making those big Black Friday purchases on your card, we advise you to think twice.

 

2. Don’t Deplete Your Savings!

Even if you think you have the closing in the bag, don’t run off and drop your life’s savings on any big-ticket items yet. There are several costs that come along with closing so be sure to keep a good chunk of savings in your account.

 

3. Make a Budget & Check it Twice!

Spend some time talking with our loan officers and find out exactly what you will need to spend so that you and your family can budget for it, and nothing comes as a surprise, especially when expenses are high during this time of year. There are several fees involved when buying a house so be sure that you are fully aware of everything that is required.

 

If you have questions reach out to our team today! We want to help you make your holiday wish come true with your home buying process today.

(content credit: Movement Mortgage)

Condo Buyers | Get Pre-approved with Movement Mortgage

Condo Buyers | Get Pre-approved with Movement Mortgage

At Movement Mortgage, we love condos! We have approved over 15,000 condo projects and over 2,000 in the state of FL. Agents, make sure your project is preapproved in our database. Whether on the listing or buying side, we are here for you and look forward to helping you! The great thing about Movement is our wide variety of condo loan program options! You can benefit from our knowledge and in-house teams ready to make big things happen for you. Call and talk to our Hunter Home Loan Team today to learn what qualifies as a condo, and which loan program is right for you!

AFFORDABLE CONDO FINANCING AT MOVEMENT MORTGAGE IS INCLUDED IN THESE PROGRAMS:

Fannie Mae & Freddie Mac Conventional, VA for eligible military, FHA Government, and USDA rural home loan program

GET PREAPPROVED NOW!

Hunter Home Loan Team Condo Loan Options

Buying & Selling Condos | It’s not what you know, but who you know!

At Movement Mortgage, we love condos! We have approved over 15,000 condo projects and over 2,000 in the state of FL. Agents, make sure your project is preapproved in our database. Whether on the listing or buying side, we are here for you and look forward to helping you! The great thing about Movement is our wide variety of condo loan program options! You can benefit from our knowledge and in-house teams ready to make big things happen for you. Call and talk to our Hunter Home Loan Team today to learn what qualifies as a condo, and which loan program is right for you!

AFFORDABLE CONDO FINANCING AT MOVEMENT MORTGAGE IS INCLUDED IN THESE PROGRAMS:

Fannie Mae & Freddie Mac Conventional, VA for eligible military, FHA Government, and USDA rural home loan program

Find Out Your Home's Current Value

Tampa Bay Times People's Choice 2019 Best of the Best award