Anna Shaterkin NMLS #1547333

According to a new study from HotPads, most renters will spend nearly six and a half years saving to put a down payment on a home. Whether you are almost there or just starting to plan our your savings strategy, contact me to find out if qualify for any of our low down payment options! #Homeownership - https://www.loandepot.com/ashaterkin

Thinking of purchasing your first home this year? With rates still at record lows, you could be moving into your new abode in no time. Contact me to start exploring your financing options today! #homeownership #economy - https://www.loandepot.com/ashaterkin

We are now licensed in Florida! If you are thinking of buying a home in the sunny state, give us a call! Closing one now, I must say... Real estate is cheaper than in California!

Did you know that according to U.S. Census data 71% of current homeowners made down payments of 20% or less? If you’re in the market to purchase a home, I can help you discover our low down payment mortgage financing options. Contact me today to get started! #Homeownership - https://www.loandepot.com/ashaterkin

Knowing what you can afford upfront can save you a ton of time and stress! Get your pre-qualification today, and start your home search with confidence. - https://apply.myloandepot.com/mortgage/register

Did you know that roughly 71% of today’s sellers are trying to buy a home at the same time? It's important to stay focused and set clear expectations. Here are some tips to consider when selling or buying a home: - https://www.loandepot.com/ashaterkin

There is no right formula when deciding how much to put down towards a home. While larger down payments will typically result in a more competitive rate, many become homeowners with as little as 3 percent down. If you would like to discuss your options, contact me today! loanDepot offers a variety of home loans to suit your goals and budget. - https://www.loandepot.com/ashaterkin

Be sure to tune in to our latest virtual event happening on Wednesday, May 6th. Watch as industry experts share their insights and strategies on how to best help clients and maximize #RealEstate sales in today’s virtual world. If you are an originator or real estate agent, this one’s for you! Tune in here: YouTube: https://www.youtube.com/channel/UCYzcEu_uaP1z8IWaVk8mSmw Facebook: https://www.facebook.com/loandepotdotcom... LinkedIn: https://www.linkedin.com/company/loandepot/ See more

Refinance update video!

Not all lenders are reacting to this market equally I’ve spent time on quite a few realtor web meetings and collaboration with other lenders in the industry and one thing that everyone should understand right now is that not all lenders are reacting to the financial crisis in the same way. It used to be said that by and large, most lenders will treat FHA/VA/USDA/Fannie/Freddie loans similarly from a guideline and pricing standpoint. That is no longer the case right now an...d its important to understand that if you’re in a purchase transaction, or you have a client in a purchase transaction, it may be worthwhile to evaluate different options. I’m the first to say that, for the time being, Non QM (bank statement programs) for us at loanDepot are all but non-existent, jumbo financing is more limited and most lenders are faced with challenges when locking interest rates. If we don’t have the program readily available, there may be someone else that does and I’ll be the first to help find the solution elsewhere if there is a better fit. For FHA/VA we have incorporated some guideline restrictions such as a 620 FICO requirements where previously we were accepting FICO scores down to 520 and a debt ratio maximum of 50% and even further restrictions if the borrower is relying on a gift. Fortunately, the bulk (90%) of the loans that are funded in our market are backed by Fannie Mae/Freddie Mac and that remains our strong suit. For example, someone purchasing up to $950K and putting 20% down with a loan amount of $765K, can still enjoy some phenomenal rates and paying Points are not required. 3.25% (3.309 APR) can be had with Zero Points today. Or consider that same $765K loan amount but the buyer only has 5% down payment and the purchase price up to $800K; rates are 3.625% (3.679 APR) and there is no PMI payment and Zero Points! The same $765K loan amount can see rates of 3.0% (4.183 APR) for FHA and 2.875% (2.949 APR) for VA financing, all with zero Points. That’s pretty phenomenal! While we realize some programs are taking a pause until the market stabilizes, for 90% of you that are looking to purchase or refinance, the loan programs are alive and well here at loanDepot. We have continued to add additional staffing to help with demand and recently transitioned 4000 of our staff that were previously working in offices, out to work remote from their homes. A big shout out to our technology team to make that possible while not disrupting our business at all. Reach out to any member of our team for assistance and we’d be happy to help. Hopefully most of you caught the live broadcast of our CEO Anthony Hsieh, Barry Habib and Alec Hanson last week. If not, here is the link and its definitely worth the watch... https://youtu.be/8S2BbWa6TcM Stay safe everyone!

Join us for our Modern Lending LIVE Mastermind Session on Thursday April 2nd at 2PM EST/11AM PST! Industry leaders Barry Habib, Tammy Richards, Brian Covey and Alec Hanson will cover the market ahead, what technology and process changes are keeping industry volume moving forward and actionable ways for you to market yourself in a stay at home environment. Click the below link to download a calendar reminder and be sure to join us on Facebook, LinkedIn or YouTube Live (links in the calendar reminder) on April 2nd at 2pm EST/11am PST. - http://start.loandepot.com//Modern-Lending-LIVE-Mastermind

I am running a twitter campaign - 100 financial tips. Search twitter for #annatalksmoney for all the bite size financial wellness goodness. If refinance or home purchase is something you want to do - call me! Cell 818-512-9926.

Have a buyer that needs to get pre-qualified? I'll be working this weekend, contact me today! - https://www.loandepot.com/ashaterkin

Financial well-being tips

Purchase application volume hit the highest level since October 2009, rising 16% for the week and 8% from a year ago, according to Mortgage Bankers Association data. Click below to continue reading! - http://www.mortgagenewsdaily.com/vi/archive/2020/1/15.aspx