Titan Mutual Lending

We are here to help. With rates at an all time low, give us a call to see what you qualify for. #mortgage #mortgagetips #mortgageloan #lendersofinstagram #nmls #fixedmortgage #instamorgage #instaloan #refinancemortgage #refinance #refinanceyourhome #instafinance #realestate #realestateinveshting #realestateagent #homeownership

There’s a bit of truth to this mortgage myth. Whenever you apply for a new loan or line of credit, your credit score will take a small hit. However, this temporary decrease will only last a short time. About 10% of your FICO credit score comes from your recent credit inquiries. Research shows that if you open a large number of new credit lines, you might be getting ready to make a risky financial move. This makes you a riskier candidate for each individual lender. In order t...o prevent you from opening multiple loans or credit accounts in a short amount of time, each new credit inquiry will temporarily lower your score. When you apply for a mortgage loan, your score will temporarily drop. However, you likely won’t see this effect until after you receive your mortgage preapproval. You can maximize your chances of getting mortgage approval by avoiding applying for new credit cards or loans in the months leading up to your mortgage application. #mortgage #mortgagetips #mortgageloan #lendersofinstagram #nmls #fixedmortgage #instamorgage #instaloan #refinancemortgage #refinance #refinanceyourhome #instafinance #realestate #realestateinveshting #realestateagent #homeownership #home #homesweethome

When it’s time to refinance, every borrower wants to get the most out of their home. With a higher appraised value, you can benefit more with your loan. People consistently rate bathrooms as some of the most important rooms in the home. Luckily, bathrooms are also the most cost-effective to upgrade. Remove dated wallpaper and replace it with a modern, neutral coat of paint. You can quickly swap out the hardware on drawers and closets and have a new look by sundown. Replace ...dated light fixtures and fluorescent lighting and install LED bulbs. You don’t need to budget for a full remodel to modernize your bathroom. You can expect to bring in big returns with as little as $400 invested. If you’re doing your bathroom upgrades yourself, plan for at least a few days of work. Come back next week for tips on how to increase your home’s value. HAPPY MONDAY EVERYONE ! #mortgage #mortgagetips #mortgageloan #lendersofinstagram #nmls #fixedmortgage #instamorgage #instaloan #refinancemortgage #refinance #refinanceyourhome #instafinance #realestate #realestateinveshting #realestateagent #homeownership #homesweethome #homedecor #home #mortgagelender #firsthome #firsttimehomebuyer

Adjustable rate mortgages are mortgage loans with interest rates that change over time. Here’s how they work. First, your loan begins with a period of fixed interest. This fixed interest period may last 5 10 years. During this period, you’ll pay a standard interest rate that’s lower than the current market rates. Once this period ends, your interest rate may go up or down, depending on how market rates move. Many buyers assume that ARMs aren’t a good idea because they don’t... know exactly what their interest rate will be. If you’re considering an ARM, you might be afraid that if market rates continue to rise, you might get trapped in a loan that’s significantly more expensive than the one you signed onto. However, ARMs have caps in place to prevent your interest rate from rising (or falling) by too many percentage points. ARMs aren’t right for everyone. If you think that you’ll be in your home for a long time and you need a set monthly payment, a fixed loan might be better for you. However, if you think you’ll pay your loan off early or you aren’t planning on living in your home for many years, an ARM can be a fantastic choice. If this sounds like something you could benefit from, give us a call today! #mortgage #mortgagetips #mortgageloan #lendersofinstagram #nmls #fixedmortgage #instamorgage #instaloan #refinancemortgage #refinance #refinanceyourhome #instafinance #realestate #realestateinveshting #realestateagent #homeownership

Prepare your home for the best possible refinance appraisal. 1. Make sure that your home’s appliances and systems work - This will help your appraisal go smoothly. Schedule a repair before your appraisal if you notice that something doesn’t work. 2. Make sure your home’s exterior looks great - Curb appeal can significantly affect your appraisal value. A few ideas to get started could be to mow your lawn, plant flowers strategically, touch up patio accents.... 3. Invest in a few small upgrades - There are plenty of small upgrades you can make to your home that can increase your overall home value. A quick idea would be to add a kitchen backsplash. A kitchen backsplash is a fun and personal way to improve the look and feel of your kitchen. 4. Do some decluttering - Clutter isn’t just annoying it can cost you money. Clutter makes it more difficult for your appraiser to get an accurate feel for the condition of your home. Make sure that everything is neat, put away and in its place before your appraiser arrives. 5. Make plans for children and pets before the appraisal - Children and pets can be a distraction. Arrange for children to be out with a family member or friend on the day of the appraisal or quietly playing in a bedroom or playroom. 6. Finally, create a list of everything you’ve improved in your home for your appraiser - Make a short list of your home’s most charming points that you want your appraiser to see and keep it on you when the day arrives. All of these factors working in conjunction can help improve your final appraisal value. More questions? Give us a call at 844-368-0833 or you can send us a direct message. Happy Thursday everyone! #mortgage #mortgagetips #mortgageloan #lendersofinstagram #nmls #fixedmortgage #instamorgage #instaloan #refinancemortgage #refinance #refinanceyourhome #instafinance #realestate #realestateinvesting #realestateagent #homeownership