Martha Pedroza-Ramos, Mortgage Loan Originator

Happy Mother's Day to all the amazing Moms who make houses homes.

You've probably heard the terms "pre-qualified" and "pre-approved" and you might have even thought they were the same thing. They're not. Pre-qualified simply means you had a quick conversation about your income, assets & down payment. Pre-approved carries more weight because it means all of the things you spoke about in your first conversation is now verified and documented. If you're serious about buying a home, you're going to want to get pre-approved. Reach out today and we can start the process!

Everyone's situation is unique, and in addition to getting to know my clients, one of my favorite things about being a mortgage loan originator is solving problems! Whether you don't think you will qualify, aren't sure about your down payment or just don't know where to start, let's talk! Creative solutions to difficult puzzles is my specialty!

If you're ready to sell your current home and purchase your next, the first step is figuring out your budget. Did you know your payoff amount is different than your mortgage balance? You have to consider interest, fees and maybe even penalties. Reach out today so we can make smart moves for your future together!

You're trying to get approved for a mortgage so you'd better deposit lots of money into your bank account, right? Wrong! Anything out of the ordinary can raise a red flag. Even if the money is a gift, it will all need to be documented. Mortgages can be tricky but we're here to make it easy for you. Reach out today and we'll answer any questions you may have!

With rates at historic lows, it's never been a better time to refinance and possibly save thousands of dollars over the life of your loan. Learn more by watching this video, then contact me today to learn more! https://homebrid.ge/2YZC7h9

Striving to do what's right is a goal we should all shoot for. With family, friends and in our communities. #MotivationMondays

No matter who you root for this Sunday, we hope you enjoy the excitement of the game, the excellent company (including virtual!) and of course ... the most amazing food this side of Thanksgiving!

Now more than ever, home is where the heart is. To add some fun to your time indoors, gather the family together and try out this recipe for irresistible chocolate chip oatmeal bars! Be sure to let us know how and don't be afraid to share a photo. https://homebrid.ge/3rhF097

Black History Month means experiencing American history from a different perspective. This month gives us a chance to discover the rich history of African Americans and their addition to our country. To learn about the lesser-known contribution from Carolina Congressmen Robert Smalls, watch this video. https://homebrid.ge/3tgfHpG