TMG Home Loans

Ask the current homeowners what their bills look like on a monthly basis for water, electricity, garbage, homeowner's association, etc. It can help you plan your budget and prepare you for home ownership! . . . #bills #homeowner #monthlybudget #mortgage #realestate

Creating openness is one of the most crucial things you can do to elevate your home especially if you have a small space that you want to feel bigger. Consult a structural engineer first, then get rid of those pass-through walls, and think about creating new nooks and flex rooms. This can boost your home’s value by up to 6%! . . . #openfloorplan #renovation #construction #changeisgood #homegoals #interiordesign

Take charge of your future today! All it takes is one phone call to start your journey to home ownership! . . . #homebuying #takecharge #goals #mortgageloan #realestate #investment #homegoals

Your property taxes are calculated by dividing your property’s value by 100 and multiplying that number by your tax rate. This will calculate your yearly property tax. This money goes towards your community and the community’s needs such as public safety, education and street maintenance. . . . #propertytax #neighborhoodcommunity #homebuyer #investinyourfuture #mortgageloan #frequentquestions #lendingexpert

Still got it #pool #billiards #benanderson365

Are you ready to keep going forward this year? Surround yourself with positivity and reach your goals! . . . #newyear #2021goals #betteryou #goforward #getitdone

A home structure fire happened every 93 seconds in the U.S. in 2019. That's scary, but fortunately there are several steps you can take to keep your home from becoming a statistic! Start by properly testing and maintaining your smoke alarms. Avoid hidden fire hazards in your home and follow the top fire safety tips. Talk to your family and come up with a plan in case of an emergency! . . . #firesafety #emergencyplan#homebuying #mortgagelender#mortgageloan #realestate#investment #homegoals

A water test can give you peace of mind that your water is free of harmful substances such as lead, bacteria and more! This is especially important if you have a private water supply, because your water isn't regularly monitored and tested like public water supplies! There are water testing kits you can buy or have someone come check it for you! . . . #testyourwater #safety #homebuying #mortgagelender #mortgageloan #realestate #investment #homegoals

Buying a home involves a lot of moving parts and complex steps, but the professional expertise of your real estate agent and lender can help you navigate the process smoothly. Taking the leap to homeownership can provide a feeling of pride while boosting your long-term financial wellness if you go in well-prepared and with your eyes open. Have your finances organized and your credit in order so that you’ll be able to secure a reasonable mortgage in a smooth fashion! . . . #homebuying #goals #mortgageloan #realestate #investment #homegoals

Even if you are not planning on buying a home right now, you should definitely be making a plan to save up for that home! You should also know your credit score so you can use the next 2 years to build it up if it is less than perfect. Call your local lender today and make your game plan for homeownership together! . . . #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #homebuyingprocess

Before you start looking for your dream home, create a realistic budget! Take into consideration all of your current bills, your spending money and make an estimate of how much you will need to allocate for the extra bills you may have to take in. This may include HOA fees, water and sewer, and the electric bill. If you are unsure what else to include in your budget, talk to your local lender! . . . #realestate #realestateinvestment #investinyourfuture #mortgagelender #firsthome #settleformore #budget #bills #debttoincomeratio

Money where my mouth is! #barstool #barstoolesports #daveportnoy #marcuslemonis

A conventional loan is a type of loan that is not insured or guaranteed by the government. This loan is backed by private lenders. They are more common than government backed loans. Though conventional loans offer buyers more flexibility, they’re also riskier because they’re not insured by the federal government. Still have questions? Let’s talk and see if the conventional loan is your best option! . . . #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #homebuyingprocess #conventionalloan

Property disclosure statements essentially outline any flaws that the home sellers and their real estate agents are aware of that could negatively affect the home's value. These statements are required to be given to the buyer so they may know a property's good and bad points before they close the deal. . . . #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #homebuyingprocess

Buying a foreclosure property has its benefits! It’s often cheaper than buying a home the conventional way. In a foreclosure, you’re buying from the previous owner’s mortgage lender because the owner has defaulted on their loan. You should take into consideration the condition of the home, which has likely been vacant for months, and sometimes years. This can lead to issues you will have to repair. As a buyer, you have to weigh what you can afford to fix and what you can’t. . . . #realestate #realestateinvestment #investinyourfuture #mortgagelender #firsthome #settleformore #foreclosure

Remember that an early-month closing gives you much more time before your first mortgage payment is due. Keep in mind you'll also pay almost an entire month's worth in prepaid interest, as interest accrues from the date of closing through the last day of the month. That means you'll have to bring more cash to the closing. . . . #savemoney #downpayment #dreamhome #realestate #realestateinvestment #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #homebuyingprocess

When you close at the end of the month your first mortgage payment will be due earlier.Your first mortgage payment is due on the first of the month following the 30-day period after your closing date. So, if you close at the end of the month, you'll have to start making mortgage payments almost an entire month sooner than if you had closed at the beginning of the month. The benefit of closing later in the month is that you won't need to bring as much cash to closing. So, with an end-of-month closing, there'll only be a small window for interest to accrue, and less for you to pay. . . . #realestate #realestateinvestment #investinyourfuture #mortgagelender #firsthome #settleformore

When it comes to choosing a closing date, consider what you need or prefer: lower closing costs, or a little extra time before your first mortgage payment kicks in? The date you choose should be your best option financially! Ask your lender to see what works for you! . . . #realestate #realestateinvestment #investinyourfuture #mortgagelender #firsthome #settleformore

When you own a home, you’re responsible for all the maintenance and upkeep costs. If you save at least 3 months worth of emergency funds, you’ll have the cash to pay for huge expenses that suddenly come your way. You’ll be able to love the life you’ve set up for yourself because stress and worry won’t be part of the equation! . . . #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #whyrentwhenyoucanown #loanoriginator #homebuyingprocess

What's keeping YOU from buying your first home? I am here to make the American Dream of home ownership come true for you and your family! . . . #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #whyrentwhenyoucanown #loanoriginator #homebuyingprocess

What occurs at closing will affect you and your household for a long time. Closing is the process of transferring property ownership, funding your mortgage loan, paying professional fees, and recording the change of ownership. Make sure you have all the necessary paperwork to make the process go smoothly! Take your time, ask questions and make sure everything that happens is clear to you! . . . #investinyourfuture #mortgagelender #settleformore #firsttimehomebuyer #homeownernow #whyrentwhenyoucanown #loanoriginator #homebuyingprocess