Gapital Mortgage, NMLS 1553267

Just because you have a lot of equity and a high interest rate, it DOES NOT mean it's time to refinance! Before you do anything, you need to think about your NET TANGIBLE BENEFITS! Here are 2 tests you need to pass before deciding to do any type of refinance!... . . . . #therightway #gapital #realtor #broker #newhome #hustle #realtorlife #realestateagent #realestateinvestor #creditrepair #budgeting #propertymanagement #realestatesales #newconstruction #homebuying #newhomes #homeownership #entrepreneurmindset #mortgagebrokers #homebuyingtips #buyahome #financialgrowth See more

To be successful in real estate, you must always and consistently put your clients’ best interests first. When you do, your personal needs will be realized beyond your greatest expectations. . .... . . #therightway #gapital #realtor #broker #newhome #hustle #realtorlife #realestateagent #realestateinvestor #creditrepair #budgeting #propertymanagement #realestatesales #newconstruction #homebuying #newhomes #homeownership #entrepreneurmindset #mortgagebrokers #homebuyingtips #buyahome #financialgrowth See more

If you plan on living in America, you’re going to be paying for property taxes in one way or another. And believe it or not, but we’ve heard this argument before, why own a home when you’ll be paying property taxes forever?!...might as well RENT! Well don’t forget! In 30 years, once your mortgage payment is paid off, yes, you’ll be paying property taxes...BUT....your payment will be significantly lower than it was at the beginning of the year.... If you rent, guess what happens every year? INFLATION! Which means your rent will continue to increase. Here we show you an example of what your payment would look like in 30 years! . . . . #therightway #gapital #realtor #broker #newhome #hustle #realtorlife #realestateagent #realestateinvestor #creditrepair #budgeting #propertymanagement #realestatesales #newconstruction #homebuying #newhomes #homeownership #entrepreneurmindset #mortgagebrokers #homebuyingtips #buyahome #financialgrowth

With Christmas around the corner, one of my favorite things to get is a book. Here are my top 5 for agents. https://zcu.io/xyQR

Keep your head up.

You know who you are Send this to an agent you love. #realtormeme #realtorlife #broker #mortgagebroker #loanofficer #realestateagent #realestatetips

What is your day going to look like?

Success = Love #therightway

Those contingency dates are crucial!

We are in a value-driven society. We return reciprocity for value given. What do you think is the most important value you can give in your business? Comment below #realestatepodcast #realtortips #mortgagebroker #broker #mortgagelender #loanofficer #gloaat #podcastshow #realestatepodcast

Is it possible to refinance when you have a mortgage forbearance? SWIPE TO FIND OUT

Double tap if you agree with @codycstevens Don't be afraid to use that #MondayMotivation. Thought this was a fitting theme to 2020. #adviceoftheday #businessadvice #entrepreneuradvice #entrepreneur #entrepeneur #adviceforlife #smallbusinessadvice #businessowner #realtorinspiration #amentothat #noexcuses #newyearsgoals

...The whole team at Gapital is amazing...

The Mortgage Bankers Association (MBA) just revealed the number of mortgage forbearance has dropped to 6.87%!!

We can't predict the future but we can state the FACTS. The fact is employment is rising! ADP just released their National Employment Report for September 2020.

VA loans are one of the BEST loan programs out there and most veterans aren't even aware of that. Here are some things you need to know about VA loans!

Hope your goals for the rest of the week are as high as these ceilings Comment what you think down below

One of the most common issues we see people face is failing to save money for their down payment! Most people don't realize how much they need to save for an entry level down payment. Once they do, they come up with a budget plan.... Maybe they decide to save $1,000 a month for a year or 2. The problem is...once they save that money...PRICES HAVE ALREADY GONE UP. NOW WHAT? Before you decide to save money for your down payment, there are 3 steps you need to go through: STEP 1: Figure out the purchase prices in the area you are interest in. STEP 2: Use a down payment simulator to figure out how much you can save. Can you save 3% down? 5% down? 10% down? STEP 3: Figure out how long it will take for you to save that amount. Can you save this in 24 months? If not, you may need to reconsider the area you're interested in. See more

...I would recommend anyone looking to refinance a home speak with Gapital before any other mortgage company.

In all of our years of working in the mortgage industry, we’ve come to realize one thing... the difference between a HAPPY homeowner and an UNHAPPY homeowner is the MORTGAGE PAYMENT! The first thing most people do when thinking about buying a home is jump on Zillow or Redfin! They find the house of their dreams, they speak with realtors and lenders, and do what they can to make that house THEIRS.... A lot of the times though, they end up with a payment they HATE and in turn, end up hating the house. The first thing anyone should do when thinking about becoming a homeowner is get PRE-QUALIFIED! Find out how much you can afford first, THEN find the home that fits that payment. When you love the PAYMENT, you will love the HOUSE! See more

One of the biggest decisions people have a hard time making is deciding whether or not they should finance closing costs. With rates being so low today, you're better off financing than paying out of pocket! Why pay all closing costs up front when you're most likely going to refinance out of that loan in a few years? On average, Americans stay in their loan for about 3-5 years before refinancing.... If you decide to hold off until you save enough money to cover closing costs, by the time you save, the home will go up in value! Financing closing costs will only increase your monthly payment by a couple hundred bucks. Here are some examples! See more

Should you wait 6 months? a year? ....This is one of the most COMMON questions we've been getting recently. As employment is starting to pick up again, many people are wondering...WHEN IS IT OKAY TO START SHOPPING FOR A HOME? The answer varies depending on your situation:... "What if I am in the same industry, same position, but DIFFERENT COMPANY?" --> You will need at least 1 month before you can use your income to purchase "What if I am in the same industry and position but a different company that provides overtime and commission now?" --> You can use the hourly and salary, but you cannot use overtime or commission. If your prior job didn't have it, you have to build a 2-year history. "What if I went from W-2 to self-employed?" --> If it's the same industry and the net income is close to the previous W-2 income, you have to wait 1 year. But if the income is drastically different, you must wait 2 years. "What is the longest employment gap I can have?" --> 6 months! If there is a gap longer than 6 months, then you need to go back to work for at least another 6 months. "What if I am going to self-employed to W-2?" --> As long as it's the same industry as the W-2, you can buy after 30 days. But if it's a different industry for the W-2, you must wait 2 years. "What if I just finished school?" --> If you're working in an industry that aligns with your degree, you just have to wait 30 days. If it's a different industry, you must wait 2 years. Banks are really looking for CONSISTENCY. See more