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Tip: if you are even considering buying, building, or refinancing, NOW is time! Rates are at RECORD LOWS right now. Take advantage of it while you can. It could save you THOUSANDS of dollars! 💵💵💵💵💵💵 #mortgage #mortgagemonday #recordlows #closedbycolleen #homeloanstoledo


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We are so excited for Crystal who recently bought her forever home! 🏠❤️ The best part is Crystal only brought $120 to her closing! If you think a high down payment is a must when you buy a house, just ask Crystal! Visit homeloanstoledo.com to see what we can do for you with little to no money down. #closedbycolleen #homeloanstoledo #realestate #mortgage


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I've helped people as young as 18 get into a house. It's not too early to start thinking about buying a house!⠀ ⠀ Let's talk: homeloanstoledo.com⠀ ⠀ #closedbycolleen #homeloanstoledo #realestate #buyahouse #mortgage


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Happy President's Day! How many presidents does it take to get approved for a mortgage? ZERO! 💵💵💵⠀ ⠀ Let's talk about your options.⠀ ⠀ #presidentsday #downpayment #mortgage #realestate #closedbycolleen #homeloanstoledo


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For a traditional conventional loan, a lender may require at least a 20% down payment at closing. What happens if you don’t have enough money to meet that requirement? This is where private mortgage insurance (PMI) comes in. 🏠⠀ ⠀ PMI, sold by private insurers, is offered in association with conventional mortgages to prevent or reduce potential losses to lenders resulting from the borrower failing to make payments; defaulting. One in three borrowers buys PMI to afford a home, without a large upfront payment.⠀ ⠀ How much PMI you’re required to purchase depends on the amount of the loan and the loan-to-value ratio. This ratio indicates how much a loan is compared to the value of your home.⠀ ⠀ If you want to buy a house but don't have thousands to put down - you have options. Let's talk! http://bit.ly/2kALvXT⠀ ⠀ #mortgagemonday #homeloanstoledo #closedbycolleen #realestate #downpayment


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Who's willing to take down their house to kill a spider? 🙋 🙋 ⠀ ⠀ #spiders #house #closedbycolleen #homeloanstoledo


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Getting feedback like this is why I love to do what I do! ❤️❤️⠀ ⠀ Thank you Amy for your kind words, I really appreciate it. I was so happy to help you find the home of your dreams! 🤩⠀ ⠀ #realestate #homemortgage #closedbycolleen #homeloanstoledo #testimonial #review


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Is now a good time for you to refinance your home? 💵 With rates being so low, it might be something to consider! Before deciding, ask yourself these 3 key questions:⠀ ⠀ 1. Do you have adequate home equity? At least 20% will make it easier to qualify for a loan.⠀ ⠀ 2. Is your credit score is at least 760 and your debt-to-income ratio is 36% or less?⠀ ⠀ 3. How will refinancing affect your taxes?⠀ ⠀ If you're considering refinancing, don't let these answers discourage you. Let's talk about your options! ⠀ ⠀ Send me a message👇 or visit homeloanstoledo.com.⠀ ⠀ #homemortgage #realestate #refinance #closedbycolleen #homeloanstoledo


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For our first Monday in 2020, I wanted to share with you a trend that will continue this year. It continues to be a seller's market with low inventory making it tougher to find the perfect house. 🏠⠀ ⠀ According to http://bit.ly/35zVwWR’s 2020 forecast, “Inventory could reach a historic low as a steady flow of demand, especially for entry-level homes, and declining seller sentiment combine to keep a lid on sale transactions." ⠀ ⠀ This week I will release a video 🎥 with this and other real estate trends to look for in 2020!⠀ ⠀ #closedbycolleen #realestatetrends #2020 #homeloanstoledo


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I know buying a house during the holidays is probably the last thing on your mind, but it shouldn't be! It's the most wonderful time of the year - to buy a house! 🎄⛄️⠀ ⠀ According to an article from bankrate.com, December holds 7 of the top 10 days where buyers snagged the best price discounts on a home purchase. Buyer demand is at a low this time of year, which means it's the best time to take advantage of a great deal that could save you thousands! ⠀ ⠀ Let's talk about your options! Learn more at homeloanstoledo.com⠀ ⠀ #mortgagemonday #homeloanstoledo #closedbycolleen #realestate


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Does your house need a face-lift? Consider a 203-K loan! 🏠⠀ ⠀ 203-K loans are intended to help homeowners improve their existing home or buy a new home that needs serious improvements.⠀ ⠀ After closing, a repair escrow account is created and the repairs are required to start within 30 days. All repairs must be completed within six months.⠀ ⠀ Learn more about how I can help you make your house look new again! http://bit.ly/2NYPTLZ⠀ ⠀ #mortgagemonday #203K #mortgage #closedbycolleen #homeloanstoledo


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Getting feedback like this makes me so happy! 😍 Thank you so much Amber, and congratulations on your new home! ⛺️⠀ ⠀ #closedbycolleen #homeloanstoledo #5starreview


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Are you underwater in your home? And no, we're not talking about a flood! ☔️⠀ ⠀ Having an underwater mortgage means you owe more than your home is worth. This usually happens when property values fall and you as the homeowner lack equity to use for credit. ⠀ ⠀ While you may be tempted to sell your home when this happens, we recommend staying put. If you don’t sell your home, you’re not losing money on an underwater sale. If you do need to sell for any reason, you might need to take a loss, especially if your home’s value doesn’t increase in time. Let's talk about your options. homeloanstoledo.com⠀ ⠀ Sometimes you need a little patience - and hope! ⠀ ⠀ #mortgagemonday #closedbycolleen #homeloanstoledo #mortgage #reale


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Are you tired of living out in the middle of nowhere? ⛺️⠀ ⠀ Or would you like to move to the middle of nowhere? I can help with both! ⠀ ⠀ Let's talk your options today. http://bit.ly/2kALvXT⠀ ⠀ #closedbycolleen #homeloanstoledo #middleofnowhere #realestate #mortgage


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If you have an elderly parent or an adult child with special needs who cannot care for themselves and they need a home, I can help. #MortgageMonday⠀ ⠀ There are a lot of options available right with low interest rates and you don’t have to pay investment rates!⠀ ⠀ #closedbycolleen #homeloanstoledo


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When you're in the clear! 😍 ⠀ ⠀ #closedbycolleen #homeloanstoledo #realestate


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Blemished credit? We understand life happens. Some things can be swept under the rug. Let's talk about your options! homeloanstoledo.com⠀ ⠀ #closedbycolleen #realestate #homeloanstoledo


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Ring me anytime - my office hours are 24/7 to ensure your needs are taken care of fast!⠀ ⠀ #RealEstate #mortgage #homeloanstoledo #closedbycolleen


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Wishing Chris a very Happy 3 Month Houseiversay! 🏡 Chris closed on his house on May 9th, and we hope he's enjoying his new home.⠀ ⠀ Here we are with Juana Barrow of Loss Realty, who was amazing to work with! Midland Title made their process very easy too!⠀ ⠀ #closedbycolleen #homeloanstoledo


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#MortgageMonday Not paying your mortgage, even for a month, can be a kiss of death. If you want to get approved for a mortgage again, do not skip your payments!⠀ ⠀ #closedbycolleen #homeloanstoledo


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Are looking for a house? Let's see what you KOALA-fy for! 🐨


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One of the things I love doing for my clients as a Thank You is giving them one of these personalized plates. Everyone loves them and it's a wonderful addition to their new home. ♥️🏠


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Thank you Melissa for the wonderful testimonial on Zillow! 😍 Nothing makes us more excited then hearing how happy our clients are with the service they received!


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Which is better financially - owning or renting your home? 🏘️ Here is a recent blog post from Union Home Mortgage that discusses both options and explains why owning is a better investment. 💰 https://www.unionhomemortgage.com/blog/why-owning-a-home-is-a-better-investment-than-renting-1/


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