Geoff Proctor Mortgage Lending Team

Looking at homes to buy is such an exciting process! And often, an emotional one. These are 5 tips that can help you search with confidence, and find the best home that you will be able to live in for years to come! Is a purchase in your future?? Let us connect you with some of the top realtors in the area! With this competitive market, it helps to have a full team of trusted professionals, with a history of working together, to make the home buying process as stress free as possible. Give us a call, shoot us a text or email us anytime! We are here to help. #geoffproctorlendingteam

Now THIS is a review!! Thank you Kim, for your incredibly kind words! This review does a great job at summing up with the experience is like when working with the #geoffmortgagelendingteam ... It's important you work with a team that is passionate about the home finance process. Purchase or refinance, we are here to assist you through it all! Call us today, and lets get started.

Tuesday Tip! Have you ever printed out your bank statements and totaled up just how much you have spent at Amazon or Uber Eats, and surprised at how quickly you can spend $100? As online shopping or "add to cart" becomes easier and easier, it is too easy to lose track of how much you are spending on "wants" vs. "needs" and lately... I'd venture a guess, also due to boredom.... DO THIS: Print out your most recent statements... and highlight in YELLOW every transaction that has to do with food. Then take a green highlighter and add up what you spent on entertainment. Then orange for anything else not deemed a necessity. Things like impulse clothing purchases, beauty buys, app subscriptions ect. You'll be surprised seeing how much money is going out on wasted items! Total up how much you are spending on each category then turn it into a game each month to see if you can spend LESS! Take the excess you have saved, and pop it into your savings account. Have questions on other budgeting tips? Reach out and let us know how we can help! #geoffmortgagelendingteam

Tuesday Tip! What is an Earnest Money Deposit?? An earnest money deposit, or EMD, are the initial funds a buyer is required to submit, once their offer has been accepted. These funds are held in escrow, and will be applied towards the buyer's total down payment to purchase the home. ... Why is an EMD required?? To put skin in the game! These funds show the seller that they are serious about buying their home and are also known as a good faith deposit. Any other questions?? Feel free to DM and ask us! #geoffproctormortgageteam

Excellent Refinance Experience. These are the words we strive to hear on every single transaction! Thank you for the kind words, and glowing review! ... If you are searching for a solid team to handle your financing in 2021, give us a shout! #geoffproctorlendingteam

Here’s to a happy and healthy 2021. Happy New Year!

Here are 4 ways to make sure you are positioned for success when making a home purchase, even when the scale tips toward the sellers: 1. Work with a TRUSTED AGENT 2. Have your Lender show you a TOTAL COST ANALYSIS so that you know your numbers and budget 3. Do your RESEARCH... 4. Get Pre-Approved. COVID has added some newer rules to the underwriting guidelines so allow yourself enough time to get PreApproved before shopping for homes! Don't fall in love with a home first and then try to get approved. Start the convo with us today!! DM to get started. #geoffproctorlendingteam

A big congratulations to our November top producers!! Elise Groves - Santa Rosa, CA Geoff Proctor, Geoff Proctor Mortgage Lending Team - Carlsbad, CA ... Lindsay Sills, CARE Finance Group - Folsom, CA Glenn Groves - Santa Rosa, CA GTG Financial proudly helped a total of 95 families reach their financial goals through a home purchase, or a refinance! Are you ready to discuss your 2021 financial goals?? Lets talk about how we can help save you money on your current mortgage, or set you up properly for a future purchase #gtgfinancial.

Buying a home doesn't have to be scary! We are helping many people get into their first home, or move up to their dream home! Our team of mortgage professionals will take the scariness out of the process. No tricks, just treats. ... Questions? We have answers! DM us today! #geoffproctormortgageteam

For most of the year... people have been stuck looking at their own 4 walls and have been checking the market to see what is available. The Holiday's are usually not the best time to sell, but this is 2020 after all. Here are 7 great reasons NOT to wait to sell your house this holiday season 1. Buyers are active now. Mortgage rates are historically low, providing motivation for those who are ready to get more for their money over the life of their home loan ... 2. Purchasers who look for homes during the holidays are serious ones, and they’re ready to buy. 3. You can restrict the showings in your house to days and times that are most convenient for you, or even select virtual options. You’ll remain in control, especially in today’s sellers’ market. 4. Homes decorated for the holidays appeal to many buyers. 5. Today, there’s minimal competition for you as a seller. There just aren’t enough houses on the market to satisfy buyer demand, meaning sellers are in the driver’s seat. Over the past year, inventory has declined to record lows, making it the opportune time to sell your house. 6. The desire to own a home doesn’t stop during the holidays. Buyers who have been searching throughout the fall and have been running into more and more bidding wars are still on the lookout. Your home may be the answer 7. This season is the sweet spot for sellers, and the number of listings will increase after the holidays. In many parts of the country, more new construction will also be available for sale in 2021, which will lessen the demand for your house next year. Message us today if you are interested in one of our preferred Real Estate Partners to come out and evaluate the perfect listing strategy for you! #geoffproctorlendingteam

Have you heard?? Interest rates are low, and we are moving FAST! But don't just take our word for it, come experience it for yourself! #geoffproctormortgagelendingteam

Applying for a mortgage doesn't have to feel like a daunting task! Save yourself time by applying online, at your convenience with technology that allows you to apply for a home loan safely, securely, and completely online from the comfort of your own home. Message us today, to learn more! #geoffproctorlendingteam

When you rent your home, there is no appreciation or wealth accumulating vs. when you own. If you are worried you can't qualify, assume your credit isn't strong enough, assume you need 20% down, then let's just talk! Many times, out clients are surprised at what they can purchase and qualify for based off all the "noise" out there and misleading information regarding homeownership.... GTG Financial is here to help educate you so YOU can make the BEST decision for YOU!! #GeoffProctorMortgageLendingTeam

Happy October 1st!! GTG Financial - The Geoff Proctor Mortgage Lending Team - is now serving up Pumpkin Spiced Mortgages! This flavor applies to both purchases and refinances. And, don't worry, if pumpkin spice isn't quite your thing, we still offer regular mortgages too Call us today, for all your seasonal home loan needs!! #thegeoffproctorteam #pumpkinspice #mortgages

The 2021 mortgage loan limits were announced this morning So, what does this increase mean for you?? As a buyer, you may have the ability now to purchase a home in a higher price range with less money down, and avoid Jumbo loan guidelines. As a seller, your buyer pool just got a lot bigger! Questions?? Ask them!! We are always here to help!! #geoffproctormortgageteam

We are VA loan specialists here to help our heroes! If you’re a Military Vet, Service Member or military spouse looking to refinance, pricing just got better for VA IRRRLs Been on the fence?? Contact us today and lets chat about how we can help save you money!! #GeoffProctorLendingTeam

RepeatAfterMe. I WILL NOT: Quit, or change my job after applying for a home loan.... Buy a new car or boat (unless you plan to live in it) Become late on any current debt obligations Make any large, undocumented deposits into my bank account Spend the money earmarked for down payment and closing costs (see above - no new cars or boats - WE MEAN IT!) Co-sign any new debt for ANYONE. I WILL: Contact GTG Financial, Geoff Proctor Team, for all my mortgage planning needs!! #thegeoffproctorteam #mortgagebrokers

Letting your lender pull your credit is a necessary evil. It will help you to understand what kind of house you can afford, and what kind of down payment you will need. A common misconception is a that when a lender pulls your credit. your scores will be adversely affected, and that may be true for some credit pulls such as approval for auto loans or credit cards, BUT in the mortgage industry you can have your credit pulled multiple times within a 30-45 day window without i...t counting multiple times against your credit. Meaning that you can have your credit pulled within a 30-45 day window and it will only count against your credit score once. And what's even better, is for the multiple times your credit will be pulled, it will only knock off about 2 or 3 points from your credit score; that's nothing! This quick video from @Sam Parker with My Credit Guy Credit Restoration breaks it all down for us and explains why you should quit freaking out about your credit being pulled! Is there a purchase or refinance on your mind? Let's get together and come up with a plan to get you qualified for a home loan as quickly as possible. Message us, or leave or comment for more info! #thegeoffproctorteam #mycreditguy #credit

Our GTG Team has grown by one more!! We are so excited to welcome Marie Jaime to the family! Marie comes to us with extensive mortgage experience and customer service knowledge, and we are honored to have joined forces, and we look forward to elevating our client experience to bring you even better service levels! #GeoffProctorMortgageTeam

Meet the newest faces of GTG and the Geoff Proctor Team!! Marie Jaime and Vanessa Jaime join the team with combined extensive knowledge of mortgage lending, and we are so thrilled to have them!! #geoffproctormortgagelendingteam

It’s still purchase season, and buyers like you have to be ready to make aggressive offers that help sellers move on quicker Luckily, the Geoff Proctor Team works with lenders who can make sure your loan is cleared to close quick. But, don't just take our word for it, come experience the GTG experience for yourself! #gtgfinancial

Friday Facts!! So, what is PMI and why does it need to be paid? Private mortgage insurance, also called PMI, is a type of mortgage insurance you might be required to pay for if you have a conventional loan. PMI is usually required when you have a conventional loan and make a down payment of less than 20 percent of the home's purchase price ... PMI protects the lender in the event that the home is defaulted on, and goes into foreclosure. PMI is usually paid monthly as part of the overall mortgage payment to the lender, but sometimes it is paid as a one-time up-front premium at closing. PMI isn't permanent, though, and can be dropped once a borrower pays down enough of the mortgage's principal. #gtgfinancial

Most Veterans don't even know they have access to a zero down home ownership program. If you are a Veteran, or know a Veteran who is looking to purchase a home - please share this with them!! Our team of experts hold a great deal of respect and appreciation for those who served our Country. Let us now serve you, by helping you with the best mortgage plan that fits your financial goals #geoffproctormortgagelendingteam

We are beyond excited to announce our newest originator to the GTG team, Vanessa Jaime!! Vanessa is teaming up with Geoff Proctor to continue cultivating the very best experience for our clients and referral partners. Welcome to the team!! The Geoff Proctor Mortgage Lending Team is licensed serving all of California

Don’t let hidden fees blow your budget! When you work with an independent mortgage broker (like us ) you get a true ally in your home search. We will walk you through all of your loan options, then help you choose the one that’s best for your bottom line. Message us to get started! #GeoffProctorMortgageLendingTeam