Ambeck Mortgage Associates

Happy birthday from your work family! #birthdayvibes #AmbeckMortgageAssoc #AbilityMortgage

"Kathy was amazing, always available when we needed her answered all our questions. She made the process seem so easy anything we needed help with she was able to walk us through it . We highly recommend Ambeck for any loan assistance." says Mayoral

Kevin talks with Brandy Gonzales from RE/MAX Executive and on CVAR Council about the upcoming Cantree breakfast on December 19th.

Kevin talks with Lisa Braden from RE/MAX Executive about their fundraiser for the Salvation Army.

Here's a good article on Foreclosures, discussing how the situation is different from 2008, why it won't create another Great Recession, the new options available from banks and information on forbearances. If you have questions about your home loan, refinance, foreclosure, forbearance or any other topics, contact us today! We can help get you the information and answers you need to figure out what works best for you. We're here to help you through each step, beginning to en...Continue reading

Titles don’t matter, but finding a loan structure that works for you does. And We can help you with that! If you could have any job title, what would it be? #thehelpfulLO #miracleworker #listreports #home #dreamhome #dreamjob #magic #magical #realestate #loanofficer #mortgage #ambeckmortgageassoc #ambeckadvantage

When buying a home, it's one of the most stressful times during a person life, fact. And when you hear about 'bidding wars', it can put a knot in your gut. Here's an infographic with tips and information, from KeepingCurrentMatters.com, on how to combat that gut knot if you happen to find yourself on the 'battlefield' of a bidding war. The more you know about the process of buying a home, the more you can prepare and be ready for when the unexpected shows up. Contact us today... with your questions, concerns and, just like #1 in the infographic below, starting the pre-approval process. We want to see you succeed and accomplish your goals of homeownership and that's why were here to help, so leave us a message here on Facebook or contact us at (209) 521-4480! #AmbeckMortgageAssoc #AmbeckAdvantage #2020homegoals #knowledgeispower #homeloans #biddingwars How to Prepare for a Bidding War [INFOGRAPHIC - KeepingCurrentMatters.com] Some Highlights - With so few houses available on the market today, being ready for a bidding war is essential for prospective homebuyers. - From pre-approval to making your best offer, here are three tips to make sure you can act quickly and confidently when you find the perfect home. - Reach out to trusted real estate and mortgage lender professionals today to be sure you have the guidance you need as the competition for homes heats up this season.

Happy Anniversary, Maddie Musante - Loan Officer, NMLS #1880261!

With 2020 being the unexpected year it has turned out to be, forbearance and mortgage relief has been brought to the forefront of many conversations, articles and news stories. Here's an article from KeepingCurrentMatters.com about what forbearance and mortgage relief options are and gives you more information about each item. It may not seem like a conversation you want to have, but being knowledgeable before you have the conversation will benefit you in the long run. Findin...Continue reading

Let me help make your home loan experience comfortable too! Just send us a message to get started. #thehelpfulLO #househunting #listreports #comfy #winniethepooh #realestate #loanofficer #home #ambeckmortgageassoc #ambeckadvantage

Wondering where mortgage rates are? Here's an article from HousingWire.com on that topic. Are you also wondering is you can qualify for a different mortgage rate? Contact us today to find out! Our experienced and knowledgeable loan officers understand that everyone has a unique financial situation and they are going to provide you with the options to answer your questions. If you're ready to take those next steps, leave us a message here on Facebook or contact us at (209) 521...Continue reading

Are you looking to upgrade or even downgrade your home, but you've heard that there aren't a lot of houses on the market right now? Maybe looking at a new construction home is the option you hadn't thought about. In the infographic from KeepingCurrentMatters.com below, check out the information they've provided on new construction homes and how that could benefit you! If you're ready to take those next steps to become a homeowner, in a new construction home or not-so-new home..., contact us today! The Ambeck Mortgage Associates team is here to help guide you through all of the steps in the home loan process. There a lot of different loans and loan programs available for buyers, that you may not even know about! Contact us today here on Facebook with a message or call us at (209) 521-4480! #AmbeckMortgageAssoc #AmbeckAdvantage #2020homegoals #homeloans #newbuilds #newconstructionhomes Thinking of Moving? [INFOGRAPHIC - KeepingCurrentMatters.com] Some Highlights - If you’re ready to sell your house but you’re worried about finding one to move into, why not invest in a brand-new home built just for you? - New construction is on the rise, so it’s a great time to think about a custom home to fit your family’s changing needs. - Reach out to a local real estate and mortgage lender professionals to understand how to sell your house while buyer demand is high and find a new home to call your own while you’re at it.

Itching to make some upgrades to your home but not sure how to get the best return for your investment? We can help! Send us a message and let’s talk! #thehelpfulLO #homeimprovement #homereno #reno #style #homestyle #loan #loanofficer #home #mortgage #AmbeckMortgageAssoc #ambeckadvantage

It's a hot topic and if you're looking to purchase a home or refinance your home, it's a topic to keep an eye on. Rates are low and that has been helping the housing market with homes not staying on the market very long. In the article below from HousingWire.com, find out more information on mortgage rates and what the future projections are for the end of 2020 and into 2021. If you want to take advantage of these low rates, but aren't sure where to start or if you even can, ...contact us today! An experienced and knowledgeable loan officer is ready to help you with your questions and help you with each step. Send us a message here on Facebook or contact us at (209) 521-4480! #AmbeckMortgageAssoc #AmbeckAdvantage #2020homegoals #lowrates Mortgage rates decline this week The average fixed 30-year rate is 2.88% this week, down from last week’s 2.9% (HousingWire.com article) The average U.S. mortgage rate for a 30-year fixed loan is 2.88% this week, falling from last week’s 2.9%, Freddie Mac said in a report on Thursday. The rate is now two basis points from an all-time low set three weeks ago. The average fixed rate for a 15-year mortgage was 2.36%, falling from last week’s 2.4% to a level that’s one basis point away from the record 2.35% set two weeks ago, the mortgage giant said. It was the tenth consecutive week average mortgage rates have been below 3%, boosting demand for homes and driving up prices, said Sam Khater, Freddie Mac’s chief economist. As a result of low mortgage rates that have stayed under three percent since July, the housing market has seen a strong, upward trajectory during a very uncertain time, said Khater. We’re seeing potential homebuyers who now have more purchasing power. Pending home sales, measuring signed contracts to purchase properties, soared 8.8% in August to a record high, the National Association of Realtors said in a report on Wednesday. Tremendously low mortgage rates below 3% have again helped pending home sales climb in August, said Lawrence Yun, NAR’s chief economist. Additionally, the Fed intends to hold short-term fed funds rates near 0% for the foreseeable future, which should in the absence of inflationary pressure keep mortgage rates low, and that will undoubtedly aid homebuyers continuing to enter the marketplace. The housing market typically plays a counter-cyclical role during recessions because economic slowdowns tend to push mortgage rates lower, Yun said. However, this time surpassed his expectations, he said. While I did very much expect the housing sector to be stable during the pandemic-induced economic shutdowns, I am pleasantly surprised to see the industry bounce back so strongly and so quickly, Yun said. In March, the Federal Reserve started buying bonds Treasuries and mortgage-backed securities to prevent a credit crunch and make borrowing cheaper. Since then, the central bank has bought about $1 trillion of bonds backed by home loans, according to Fed data.

It's #NationalTacoDay! Do you prefer soft tacos or crunchy tacos?

With 2020 entering the last quarter of the year, and it's been a year full of uncertainties. There has definitely been one sure certainty so far and that's the housing market. With rates being low and houses being sold quickly off the market, it has kept the housing market in full swing and moving forward. In the article below from KeepingCurrentMatters.com, it reviews the home value projections for the next 12 months. If you're thinking of moving or refinancing your existing... home, but just not sure where to start or you have questions, contact us! The loan officers at Ambeck Mortgage Associates are here for all of your mortgage needs, including questions about after your loan closes. No matter which step you're at in the home ownership process, we're here to help! Contact us with a message here on Facebook or call us at (209) 521-4480! #AmbeckMortgageAssoc #AmbeckAdvantage #2020homegoals Where Are Home Values Headed Over the Next 12 Months? (KeepingCurrentMatters.com article) As shelter-in-place orders were implemented earlier this year, many questioned what the shutdown would mean to the real estate market. Specifically, there was concern about home values. After years of rising home prices, would 2020 be the year this appreciation trend would come to a screeching halt? Even worse, would home values begin to depreciate? Original forecasts modeled this uncertainty, and they ranged anywhere from home values gaining 3% (Zelman & Associates) to home values depreciating by more than 6% (CoreLogic). However, as the year unfolded, it became clear that there would be little negative impact on the housing market. As Mark Fleming, Chief Economist at First American, recently revealed: The only major industry to display immunity to the economic impacts of the coronavirus is the housing market. (See graph in article) Have prices continued to appreciate so far this year? Last week, the Federal Housing Finance Agency (FHFA) released its latest Home Price Index. The report showed home prices actually rose 6.5% from the same time last year. FHFA also noted that price appreciation accelerated to record levels over the summer months: Between May & July 2020, national prices increased by over 2%, which represents the largest two-month price increase observed since the start of the index in 1991. What are the experts forecasting for home prices going forward? Below is a graph of home price projections for the next year. Since the market has changed dramatically over the last few months, this graph shows forecasts that have been published since September 1st. (See graph in article) Where Are Home Values Headed Over the Next 12 Months? | Keeping Current Matters Bottom Line The numbers show that home values have weathered the storm of the pandemic. If you want to know what your home is currently worth and how that may enable you to make a move this year, contact your local real estate and mortgage lender professionals.