JTM Financial

Thinking about refinancing your mortgage? Learn the facts before you decide if that's the right choice for you! Although refinancing offers the financial relief, rate stability, and access to money that you may not be able to get by other means, there are occasions that we caution our clients against it. NMLS#353076 #JTMFinancial #MortgageTips #MortgageProfessionals #RealEstateTips #CARealEstate #Refinancing #Mortgage #Mortgages #RefinanceMortgages

There are many ways millennials can prepare themselves for home ownership, and none of them involve selling a kidney. NMLS#353076 #JTMFinancial #HomeBuying #RealEstateTips #Millennials #MortgageTips #Saving #OrangeCounty #CARealEstate #MortgageProfessionals

An assumable mortgage is a home loan that allows you to take over a seller’s home loan instead of applying for your own mortgage. However, not all mortgages are assumable typically only some FHA and VA loans are assumable. An assumable mortgage is best done with lender approval and usually has little to no change in terms. This goes for the interest rate too! NMLS#353076 #JTMFinancial #HomeBuying #MortgageTips #Mortgage #AssumableMortgage #RealEstateTips #CARealEstate

A critical factor for qualifying for a home loan is your income. Understandably, lenders need to know that you have a stable income that allows you to sustain a mortgage. While traditional homebuyers can prove this easily with a standard W2 from their employer, a self-employed borrower will need to show proof of income in a different manner. NMLS#353076 #JTMFinancial #HomeBuying #MortgageTips #MortgageProfessionals #RealEstateTips #RealEstate #CARealEstate

For homeowners that are looking for a way to get ahead of debt or are planning for future commitments like college tuition, a second mortgage may be just the thing. It offers the financial flexibility you need using the smart investment you made when you purchased your home. NMLS: 353076 #JTMFinancial #SecondMortgage #BudgetTips #HomeValue #HomeEquity #RealEstateTips #MortgageProfessionals #CARealEstate

Preparing to Meet with a Mortgage Broker, Everything You Need. NMLS: 353076 #JTMFinancial #HomeBuying #MortgageBrokers #MortgageProfessionals #RealEstateTips #CARealEstate #MortgageTips #HomeBuyers

Learn from your experiences. NMLS: 353076 #JTMFinancial #WisdomWednesday #MortgageProfessionals #CARealEstate

Try these upgrades to make the best impression for your appraiser's assessment of your home. NMLS: 353076 #JTMFinancial #HomeBuying #HomeImprovements #HomeSelling #HomeValue #MortgageProfessioanls #RealEstateTips #CARealEstate

Ways you can build your credit without a credit card. NMLS: 353076 #JTMFinancial #MortgageTips #MortgageProfessionals #CreditTips #CreditAdvice #BuildingCredit #CARealEstate

When you're trying to buy a home in a competitive market, it's tempting take to bold actions. Offering more than the asking price is one strategy, but there's another more extreme action that you may end up regretting: waiving the home inspection. NMLS#: 353076 #JTMFinancial #RealEstateTips #HomeBuying #HomeInspection #MortgageProfessionals #RealEstateAdvice #CARealEstate

Happy Monday! What are you planning to accomplish this week? NMLS#: 353076 #JTMFinancial #MotivationMonday #KillingIt #HappyMonday #MortgageProfessionals #RealEstate #CARealEstate

Simple ways to make your house feel like a home. NMLS#: 353076 #JTMFinancial #HomeBuying #HomeDecor #MortgageProfessionals #RealEstate #CARealEstate

Common reasons property taxes increase. NMLS#: 353076 #JTMFinancial #RealEstateTips #HomeBuying #PropertyTaxes #RealEstateAdvice #TaxTips #MortgageProfessionals #CARealEstate