Robert Fluty Your Mortgage Quarterback

If you’ve built outstanding credit, then you’ve earned mortgage rates that are a cut above the rest. Call me to see what’s possible. www.yourmortgageqb.com

A fast and easy process, transparency, and full control over the closing process? It’s the perfect recipe. Real Estate Agents make closing an experience you and your borrowers will love. Message me to learn more! www.yourmortgageqb.com

Fast, committed, qualified, expert, passionate, diligent, determined just a few of the words you’d find if you could look up mortgage broker this #NationalThesaurusDay. Contact me today to see what an independent mortgage broker can do for you. www.yourmortgageqb.com

Did you know? USDA loans aren’t just for farmers. They’re for anyone whose dream house is a bit more country. And for anyone who wants to save some cash while buying it. Sound like you? Let’s discuss your options today! www.yourmortgageqb.com

First time homebuyers worried applying for a mortgage loan will have you running in circles? Work with us and you can complete your mortgage application online whenever and wherever is best for you. Private, simple, and secure contact us today. www.yourmortgageqb.com

Worried about getting a low appraised value on your home? Or maybe you just want to close faster? You may be eligible for an appraisal waiver! DM me to learn more. www.yourmortgageqb.com

Interested in refinancing but don’t to go back into a 30-year mortgage? We can help Call today to see how you can get a better rate without extending your mortgage terms. Because your mortgage should be like this guy.

There are many benefits to both FHA and Conventional loan options! Give us a ring to get an assessment of which would work best for your unique needs and financial situation! www.yourmortgageqb.com

Finding the perfect fit isn’t easy when you buy off the rack. That’s why I work with multiple lenders to find a loan that is perfectly tailored just for you. Call today to learn more. www.yourmortgageqb.com

Wondering how much $ you’ll need to buy a rural home? Maybe none if you qualify for a USDA loan! From 100% financing meaning no down payment to some loans allowing closing costs be written into the loan home ownership is in reach! Call us today to learn more.

Initial Jobless Claims were released this morning, showing that individuals filing for unemployment benefits for the first time last week remained around 751k, but there was a nice improvement on Continuing Claims, or those that continue to receive benefits. That figure improved by 540k to 7.2M. This is a big improvement, but remember that after people run out of continuing benefits they can apply for PEUC (Pandemic Emergency Unemployment Compensation), which extends their benefits another 13 weeks. That figure increased almost 300k, so the drop in continuing claims is not as good as the headline would lead you to believe, but moving in the right direction.

BLS Jobs Report The Bureau of Labor Statistics (BLS) reported that there were 638,000 job gains in October, which was right around market expectations. Putting things in perspective, we are still 9M jobs short of where we were pre-pandemic. The Unemployment Rate decreased from 7.9% to 6.9%, which was much stronger than expectations of 7.7%...And it was for the right reasons. While there were 2.24M job gains, the labor force increased by 724,000. Because there were so many more job gains than people joining the labor force, the unemployment rate moved lower.

Working on improving your credit score but don’t want to wait any longer to buy a house? With an FHA loan, you can get a great mortgage rate even without perfect credit. Call us today and let’s explore your options.

Leaving the comfort of home just to complete paperwork is no longer a requirement. Our online application allows you to apply for your home loan without having to make a single trip to our office! We’re ready when you are; reach out to get started! www.yourmortgageqb.com

Looking to buy but don’t want to spend your entire fall raking leaves? A condo could be the right choice for you. Give us a ring to learn about our condo loan options. And leave the raking to someone else.

Who doesn’t like to save time and money? If your purchase or refinance is eligible for an appraisal waiver, you could avoid paying $500 or more in fees. Plus, you can close faster. Call today to find out if you’re eligible.

The ADP Employment Report showed that there was a gain of 365k jobs in the month of October, which was almost half the 643K expected, and the lowest print since July. The job gains came almost solely from the Services sector, which accounted for 49k. Bottom line, after losing 19.7M private sector jobs in March and April, we've since added back 9.6M according to ADPwhich still leaves about 10M jobs to get back to pre-pandemic levels. Although we have been seeing gains, they have been slower than hoped for and anticipated.

In most cities, if you plan to stay in place for at least two years, it makes more financial sense to buy rather than rent. Give us a ring and we’ll help you crunch the numbers to see if the time to buy for you is now! www.yourmortgageqb.com