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Higher Rates – What is causing it?

We went from interest rate bliss in 2020 and 2021 to some of the highest rates seen in 10yrs. As we look at the overall financial landscape I wanted to share some of the data regarding how we got here, and where we are headed. Check out the attached video about why todays interest rate market is so volatile! And while this video is a couple of years old, the information is still relevant. We continue in a high inflation setting, eroding the value of mortgage backed securities and pushing rates higher. The good news is, these cycles eb and flow and once inflation is brought back under control we should see rates drop as well. Now don't take this as a message to wait for lower rates to purchase your home. Get into the home now while prices are lower and get a head start on building equity and appreciation. While we can count on rates moving up with higher inflation and down with lower inflation. The other constant will be that with lower rates, comes higher demand, and the prices of homes will undoubtedly be higher and less affordable. Let us run you the numbers specific to you so we don't miss out on an opportunity to buy now and then reset the rate in the next 12-24 months. Check out our Rate Reset Commitment - our promise to help you create better affordability and manage your housing debt into the future. Go to http://www.LoanPro.click/rateresetFor more insights to the market take a look the additional reports attached or visit them athttp://www.LoanPro.Click/MoneyMagic http://www.LoanPro.Click/MemeAnd of course - reach out with any questions or to let us know how we can help you best!

HouseHappy

Our gift to you! Click the "Get HouseHappy" widget to start. Our team is dedicated to not just making you a homeowner, but in helping you become a successful homeowner! One way we do that is by providing you a FREE HouseHappy Account to help you manage your home in a convenient cloud based application. What is HouseHappy? Househappy is a tech platform that combines unique home data with a high-touch concierge service to take away the hassles of repairs and maintenance while keeping lenders, real estate agents, and home service professionals engaged with homeowners.Househappy is a tool intended to help homeowners for the life of their home ownership journey - not just the duration of the transaction. Househappy truly helps clients for life.Our HouseHappy clients will receive weekly service reminders, a custom HouseHappy account specific to their home which stores all their home's information, service records, paint colors, appliance models, warranty paperwork, all in one convenient online dashboard.Our HouseHappy homeowners will receive:-Home Concierge team that can assist in all your home services. — from simple seasonal reminders to coordinating with the best contractors for complex projects or needs. -Utility / Cable / Housekeeping / set up and comparisons-Service Reminders to keep home at it's best-Exclusive reminders with services curated specifically for your home -And much more!We want to help you take the hassles away from home maintenance, home management, and homeownership success with your FREE gift of Househappy!It' our way of saying thank you for your trust in our team in what is, for most, the largest and most complex financial transaction you may ever make. Your part of the YourLoanPro family now, and we want to help you take homeownership to the next level. If you think this would help any of your friend or family, please share a FREE account for them as well by sending them this link, http://www.YourLoanPro.com/HouseHappy, and we are thrilled to welcome them into the YourLoanPro Family as well. Thank you again for allowing us to play a role in your home finance journey! We are always here when you need us, so don't hesitate to reach out, even if it's just to say hi! Tristan Sherrill & the YourLoanPro Team!

Texas SuperHero Loans

A loan for our Texas Heroes : Your Path to Affordable Homeownership!Are you a hero in our community? Our Texas Hero Loan program is designed exclusively for first responders – including police officers, firefighters, medical professionals, and educators. See the full eligibility information on page 2 of the attached flyer.We understand the importance of your service, and we're here to make homeownership more accessible than ever.**Key Features:**Up to 5% Down Payment Assistance:** Enjoy the benefits of a low, low down payment with our assistance program, making homeownership a reality.For All Heroes:** Whether you're a first-time homebuyer or not, if you're a hero in our community, this program is available to you!Statewide Coverage:** Purchase your dream home anywhere in Texas and leverage our program to cover all or the majority of your down payment.Quick and Easy:** Say goodbye to high down payments and hello to a streamlined process. Get into your new home with minimal upfront costs.**Why Offer a Hero Loan?**We believe in supporting those who support our community. Our program is more than just financial assistance; it's our way of saying thank you for your dedication, your service, your sacrifice to make our neighborhoods a better place to live. We want to give back to those who give so much to us.**How to Get Started:**Ready to embark on your homeownership journey? Simply [Get Started] to explore your options, check your eligibility, and take the first step toward a brighter future.Join the ranks of Texas heroes finding their homes. Your dream home awaits!Click the "Ready to Start" link in this presentation or go directly to http://www.YourLoanPro.com/start for directions on how to qualify and get ready to start on the path to your new home! Or if you have questions, give me a call and let us know how we can help you best!

Tap into your Home Equity

**Unlock Your Home's Potential with Speed and Ease!** GET YOUR HELOC HERE: >> LoanPro.click/HELOCDiscover the power of our streamlined Home Equity Line of Credit (HELOC) process. With just a few clicks, you can access the equity in your home and enjoy a range of benefits:**Fast and Efficient:** Our AI-driven system accelerates the process. Input your details, and we handle the rest – from credit checks to property valuation.**Instant Loan Options:** Receive personalized loan options in minutes. Tailored to your financial needs, our system ensures you get the best terms available.**Tap into Your Home's Value:** Leverage the equity you've built in your home for projects, investments, or any financial goal.**Quick Transfer to Your Bank:** Once approved, your funds are swiftly transferred to your bank. No long waiting periods – get access to your funds within days!**Secure and Reliable:** Trust in a secure and reliable platform designed to make your HELOC experience seamless.Take control of your financial future. Explore your home's equity the smart way with our hassle-free HELOC process. No Appraisal Required! Fixed Rate Payment! No Credit Check Needed for Quote! No Pre-Payment Penalties! Available for Primary, Second Home, or Investment Property! Funds in just a few Days!--- See what equity you have access to at http://www.LoanPro.click/HELOC today!

Unicorn of Home Loans – No Ratio!

** Welcome to the World of Unicorns! ** **Introducing the NO Ratio Mortgage: Where Dreams Come True** Ever thought owning a home was just a myth? Think again! Our NO Ratio Mortgage is here to defy the odds and make your homeownership dreams a reality. No, you're not dreaming—you're on the path to a hassle-free home purchase like never before. ** What Sets Us Apart:** >>> **No Employment Verification:** Goodbye, traditional hoops! We believe in your potential beyond a job title. >>> **No Income Requirements:** Your dreams don't come with a paycheck. We focus on your ability to own, not just your current income. >>> **No DTI Worries:** Debt-to-Income? Not in our vocabulary. We're here for you, no matter what your financial ratios say. ** Who Can Benefit:** >>> **New Entrepreneurs:** Just started a new biz? Congratulations! Your fresh start shouldn't hinder your homeownership journey. >>> **Income Unverifiable? No Problem:** We get it. Not everyone fits the traditional mold. We're here for you, even if your income isn't easily proven. >>> **Jobless but Asset-Rich:** Your assets speak volumes. If you've got the reserves, you've got a ticket to homeownership. ** Our Special Exemption:** In a world where unicorns are rare, we've secured a special exemption to make this mortgage magic happen. While others might say it's impossible, we believe in offering a solution that goes beyond the norm. Our NO Ratio Mortgage isn't just a product; it's a testament to our commitment to inclusivity and turning dreams into keys. Other lenders will guarantee you that this does not exist, but it just means they lack the magic to make it happen. Turn to us for the solution. ** Gift Funds Approved!** Surprise! Gift funds are more than okay—they're welcomed with open arms. Your loved ones can contribute to your journey to homeownership. ** For Owner-Occupied or Second Homes:** Whether it's your primary residence or a getaway haven, our NO Ratio Mortgage opens doors to a new home sanctuary. ** Unicorns Do Exist—And So Does Your Homeownership Story!** Dive into a mortgage experience that breaks barriers and brings joy. Your story is unique, and so are our solutions. Let's turn the page to your homeownership chapter—with a unicorn by your side, the YOURLOANPRO team!

Guide to Solar Powered Homes

Unlocking the full potential of solar powered for your home comes with some unique financing considerations. It's important to understand the impact that solar panels can have on your mortgage. The journey can be complex. Our team is here to simplify the process and guide you through the intricacies. ** Financing your new home ** Conventional Mortgages - Purchasing a home with solar panels might impact your eligibility for a conventional mortgage. While solar panels are typically considered an improvement, the current financing on the panels could impact your debt ratios as well as determine if they are allowed to be included in the final appraised value of the home. It is important to ensure that the panels meet all the lending requirements. FHA, VA, USDA Mortgages typically offer more flexibility and could be considered a little more solar friendly. Still it is crucial to investigate any solar panel additions to ensure there are not any issues meeting lending guidelines. ** Tax Benefits and Incentives ** There may be Federal Tax Credits available through the installation and utilization of solar panels available. The federal government has provided substantial tax credits in the past but it is important to stay updated on any changes. State and Local Incentives could provide additional benefits specific to your location. Many states offer rebates, grants, or tax credits and could enhance your overall savings. "" The Pro's & Con's ** Solar Panels can significantly reduce your energy bills, making your home more cost-effective in the long run. On the flip side, they may have high initial installation and financing costs that need to be considered. While solar panels are generally low maintenance, occasional cleaning and check-ups may be necessary. Understand the maintenance requirements and associated costs. Another consideration is the possibility of limitations with regard to the purchase and resale of homes with solar panels. * Homebuyers must understand that buying a home with solar panels may require them to assume any financing debt that is still due on the panels and the effect that may have on your purchase power and debt ratios. * Home Sellers need to understand that depending on how the solar panels are financed or leased could impact potential buyers, including assumption clauses by some solar finance companies that will not allow the assumption of that debt by a home investor, possibly limiting the overall buyers pool. ** Maintenance Plans ** Check the warranty and maintenance plans that is provided for the solar panels. Some providers offer comprehensive plans that cover maintenance, repairs and in some cases, even equipment replacement. * Homebuyers should inquire with the seller regarding any maintenance and warranty plan transfers. Understand that the assumption of the solar panel financing does not necessarily ensure that the warranty or maintenance plan has been transferred as well. Often the financing is through a 3rd party company and is not affiliated with the solar panel company so check with the Seller on how to protect your investment. ** Insurance and Solar Panels ** Installing solar panels can affect your homeowner's insurance. You will want to ensure your insurance provider is aware of the solar installation and your home owners insurance coverage is adjusted accordingly. ** Things to Know Before You Glow ** * Leasing vs. Owning - Determine if the finance options on the solar panel are a lease, and if you are leasing to own. Each option comes with it's own set of advantages and drawbacks, affecting your financial commitment and long-term savings potential. * Financing options could also include non-recourse or full recourse options, meaning that the finance company can repossess the panels should payments not be made. See the Savvy Solar Flyer attached for more info. ** Resale Value ** Solar panels can increase the resale value of your home but depending on how they are owned may preclude the solar panel from being included in the appraised value of the home with regard to the mortgage value. Potential buyers are increasingly attracted to energy-efficient features, especially as we see energy costs continue to rise. Highlighting solar panels when putting your home on the market can provide you advantages in the marketplace, but it is always a prudent idea to determine how your specific situation could enhance or deter financing options. Armed with knowledge, your ready to make an informed decision regarding homeownership that align with your financial goals. Remember, our team is here to illuminate every step of your solar and homebuying journey! For personalized guidance, contact us at www.YourLoanPro.com

Student Loans – What you should know

Jumbo Mortgages – Dream Big, Live Big!

Living Large: The Benefits of Jumbo Mortgages & Buying Your Dream Home! Discover the Advantages of Jumbo Mortgages for Your Upsized Lifestyle! If you've ever imagined yourself in a spacious, upscale, luxurious home with all the features you desire, then jumbo mortgages are the key to unlocking your aspirations. With Jumbo options to $20M and beyond we have your solutions regardless of your appetite. Designed for those seeking larger-than-life homes, these specialized loans offer higher borrowing limits, empowering you to purchase your dream home without compromise. Whether it's a grand estate with stunning views or a lavish urban penthouse, jumbo mortgages open doors to unparalleled living experiences. Whether you're an ambitious homebuyer seeking room to grow or a real estate aficionado keen to guide clients to their dream properties, jumbo mortgages are the passport to luxurious living. With various options, including low down payment, alternative income documentation, the ability to avoid PMI or whatever your needs are, we have the solution to get you into your grandest dream home. Get ready to embrace the benefits of jumbo mortgages and elevate your lifestyle to extraordinary heights! Let us help empower you with the knowledge and insights fulfill your aspirations, and help you unlock the extraordinary!

Land Loans – building your future

Unleash Your Vision with Land Loans! If you've ever envisioned building your dream home on a blank canvas or creating a tranquil retreat nestled in nature, these loans are your gateway to turning visions into reality. Whether you want to roll it all together into a construction loan and start your dream home immediately or you would rather pick out the perfect spot and then meticulously plan out every detail, taking your time. We have the options to help you achieve your dream. Imagine the possibilities: Land loans! A pathway to designing your ideal sanctuary, these financing options offer you the freedom to build from the ground up. Whether you seek a sprawling estate or a cozy haven, land loans empower you to bring your dreams to life. Whether you're a homebuyer with a vision for the perfect plot or a real estate agent seeking to guide your clients to their ideal land investment, these loans are the key to creating your oasis. Get ready to explore the potential of land loans and unlock the path to your future home! Give us a call and let's talk about whether this is the perfect solution for your needs.

Renovation Loans – Your Home ReImagined

Transform - Renew - Revive Unlock the benefits of the renovation home loan. Your path to Dream Home Transformation! If you've ever dreamt of turning a fixer-upper into your dream home or transforming an existing property into a personalized oasis, we have several loan products that can be your secret weapon to make it happen. Whether you want to fix up your current home or have your eye on a new place that just needs a little TLC to make it perfect. Each of our incredible financing options offers a gateway to a world of endless possibilities. From minor upgrades to major renovations, these loans cater to your unique vision and aspirations. Contact us to see how a renovation loan could turn your dream home into a reality. We'll discuss the options, equipping you with the knowledge and confidence to embark on your home transformation journey. Whether you're a homebuyer with a vision or a real estate agent eager to guide your clients, these loans are your keys to making dreams come true. Get ready to discover the magic of renovation loans and unlock the full potential of your future home! Contact us today and let's start making plans to unlock your home's potential!

Money Magic

Are you a homeowner eager to unlock the secrets of smart financial strategies? Discover a proven path to your dream home as I unveil this homeownership hack that could change your financial future. We’re pulling back the curtain to reveal the hidden opportunities that could make your dream home a reality. We'll shatter the illusions surrounding your interest costs and explore the fascinating world of interest rates and cashflow to debunk common misconceptions about homeownership. Delve into the factors that impact your true costs and the strategies that could save you $thousands, all while uncovering the potential savings that lie within your reach. We’ll journey through past events that have shaped the housing market and use our crystal ball to understand how they continue to influence interest rates, household debt, home prices, and the economic landscape. Let me reveal the secrets and insights to help you achieve your homeownership dreams without compromise. Don’t let preconceived notions hold you back from discovering the secrets to a brighter future. This presentation will empower you with the knowledge and tools to make sound financial decisions and turn dreams into reality. Get ready to embark on a new adventure towards homeownership success!

100% FHA – A glitch in the matrix!

Are you stuck in a never-ending loop, trying to save up for that elusive down payment to own your dream home? Fear not, dear homebuyer, for we've found a GLITCH IN THE MATRIX! The YourLoanPro Team has harnessed the power of the FHA program and our exclusive 100% FHA option, bending the reality of homeownership in your favor.**1. The Matrix-Breaking FHA Financing:**Welcome to a world where homeownership dreams come true without the burden of a hefty down payment. The FHA program, like a magic potion, reduces the barriers to getting approved for a mortgage. We've cracked the code and partnered with FHA to bring you a unique opportunity to own your dream home!**2. Dodging Down Payment Woes:**In this reality, you don't need to be a money-saving guru to step into the realm of homeownership. Thanks to our 100% FHA program, the burden of saving up for a down payment is but a distant memory. So, stash away those pennies from the matrix, and let us pave the way to your dream home without the financial acrobatics!**3. Flexing Your Credit Muscle:**In the matrix of real estate, credit scores might have been your kryptonite. But not here! Our 100% FHA program flexes its muscles with flexible credit requirements. So, whether you've had a few credit hiccups or not, we're here to support your quest for homeownership.**4. The Assumable Enigma:**Ah, the mystery of the assumable loans! Fear not, for in this realm, your FHA loan is like a coveted treasure, ready to be passed on to future homebuyers. When you're ready to sell, watch as the allure of assumable loans enchants potential buyers, making your property even more desirable!**5. Refinancing Magic:**In this magical dimension, we offer streamlined refinancing options that defy the norms of the mundane world. so when rates drop or your financial situation improves, you can waltz through the refinancing process with ease, saving you money and stress.**6. A Guide through the Matrix:**Navigating the complexities of homeownership can feel like deciphering code, but fret not, Neo! Our team is here to guide you through every twist and turn. With the support of our expert counselors, you'll be ready to face any real estate challenge with confidence.**Become a Master of Your Homeownership Destiny:**Embrace the matrix-busting power of our 100% FHA program and witness the impossible become possible. Let's break the rules of traditional homeownership together and propel you into a world where your dream home awaits. Contact the YourLoanPro team today and escape the matrix of renting forever!

Investment Property: The Smart Money!

Have you explored the incredible potential of real estate as a powerful tool to create long term wealth and financial freedom? Real estate presents an exceptional opportunity for building wealth and achieving long-term financial prosperity. Unlike volatile financial markets, real estate offers stability, tangible assets, and various benefits that make it a favored avenue for wealth creation. Advantages of Investing in Real Estate: Appreciation Potential: Real estate values have historically appreciated over time, providing investors with the opportunity to build equity and benefit from capital gains. Passive Income: Rental properties offer a reliable source of passive income through monthly rent payments, making real estate an attractive option for generating cash flow. Inflation Protection: Real estate can act as a hedge against inflation, as property values and rental income tend to rise in line with inflation rates. Tax Benefits: Real estate investors can take advantage of various tax deductions, including mortgage interest, property taxes, and depreciation, reducing their tax burden. Leverage: Investors can leverage the equity in their investments to purchase additional properties, allowing them to amplify their returns on investment and accelerate their property portfolio. Diversification: Adding real estate to an investment portfolio provides diversification, reducing overall risk compared to solely relying on stocks and bonds. Key Strategies for Wealth Creation: Market Research: We can assist you in conducting thorough research to identify promising real estate markets with strong growth potential and rental demand. Financial Planning: Assess your financial situation and establish a budget for real estate investments, determining the amount you can comfortably invest. Property Selection: Choose properties that align with your investment goals, focusing on potential for appreciation, rental income, and location desirability. Risk Management: Understand and manage risks associated with real estate investing, such as market fluctuations and unexpected expenses. Long-Term Vision: Adopt a long-term investment approach, allowing time for property values to appreciate and rental income to grow. Effective Property Management: Properly manage your properties or enlist professional property management services to ensure optimal tenant relations and property maintenance. Exit Strategy: Plan an exit strategy for each investment, considering options like selling, refinancing, or holding the property for continued rental income. Creating wealth through real estate offers the potential for significant financial rewards and stability. By understanding the advantages of real estate investment and implementing sound strategies, individuals can build a robust portfolio and secure their financial future. Whether aiming for short-term gains or long-term prosperity, real estate remains a viable and lucrative pathway to wealth accumulation. Whether you are a seasoned investor, or just want to look into the opportunity of real estate investing, count on the YourLoanPro Team to provide valuable insights and strategies for your success.

Building Dreams – Financing Construction

Can't find your dream home? BUILD IT! If you want to look at alternatives to finding that allusive dream home and battling the multiple offers and chaotic timelines, look no further than our comprehensive construction lending options. We offer both one-time-close, where you close one time bundling the interim construction financing with the permanent financing, and the two-time-close, where we qualify you for both construction and permanent financing. Each is tailored to your unique needs and preferences. Whether you're looking for a conventional, FHA, USDA, or Jumbo loan product, we've got you covered. Our team is dedicated to guiding you through the construction process, ensuring a smooth and seamless experience from start to finish. With our construction lending solutions you can turn your vision into reality and create the home you've always imagined. Explore the possibilities with us and embark on your exciting journey of building your dream home today!

Empowering Financial Security in Retirement

Did you know there is a government program that can assist seniors by unlocking their equity and alleviating the requirement to make a mandatory monthly mortgage payment? If you're a senior or you have a senior loved one who may benefit from reduced costs and greater financial flexibility, it's time to consider the advantages of the HECM refinance or purchase. With the HECM Refinance, seniors can utilize their current home equity to provide increased financial flexibility and peace of mind during your retirement years. This government program provides the opportunity to lower your monthly costs, access additional cash, or secure a line of credit for future needs. With no monthly mortgage payments required, you can enjoy a more comfortable retirement while staying in the home you love. Wanting to purchase a new home. By utilizing this unique financing option, you can secure a new home without the burden of a monthly mortgage payment by unlocking the power of your equity. Whether your downsizing, relocating, or seeking a more suitable living arrangement. This option can provide you more buying power while preserving your financial security. Take control of your financial situation, explore the benefits, and discover your home ownership possibilities today.

DPA with NO Income Limits!

Introducing our groundbreaking loan program: Down payment assistance with no income limit. With this innovative solution, you can turn your dream of homeownership into a reality, regardless of your income level. Say goodbye to the traditional barriers that prevent many from buying their own home. Our program offers down payment assistance without any income limitations, opening doors for individuals and families to achieve their housing goals. Experience the freedom and flexibility of securing a mortgage without the stress of meeting strict income requirements. Our No Income Limit DPA program empowers you to take control of your financial future and invest in a place you can truly call home. Don't let income limits hold you back from homeownership. Discover the possibilities with our game-changing mortgage program. Contact us today to learn more and take the first step towards owning your dream home!

HOMEFLOW- Buy First, Sell Later!

Introducing HOMEFLOW, the revolutionary program that empowers you to seamlessly transition into your dream home. With HOMEFLOW, you can purchase your new home before selling your current one, unlocking the equity in your existing property to use as the down payment on your new dream home!The best part? Your current mortgage doesn't count against your debt ratios, giving you more purchasing power and flexibility. Say goodbye to the stress of coordinating the selling and buying timelines. HOMEFLOW simplifies the process, allowing you to secure your new home with confidence and ease. Take control of your move and experience the freedom of HOMEFLOW today!

Rate Reset “Unlock future low rates”

Unlock the Power of Homeownership with Rate Reset! At the YourLoanPro Team, our mission is to empower individuals to achieve security, community, equity, and generational wealth through the transformative power of homeownership. We understand that high interest rates can hinder the dream of owning a home, and we are here to change that. Introducing our "Rate Reset" program, designed to help our valued clients realize their homeownership dreams today while ensuring better affordability in the future. If you've financed with us since 2022 when interest rates started to rise, this program is our gift to you. Here is how it works:1. Better Rates, Better Payments: We will provide a special refinance opportunity, allowing you to take advantage and secure a better rate as rates drop. By refinancing, you can enjoy a more favorable monthly payment, putting you on a path to better financial stability.2. Waived Lender Fees: As part of our commitment to your financial well-being, we will waive our lender fees for this exclusive program. This means you can save even more money while obtaining a better financial picture.3. Timing is Key: We understand that inflation and mortgage interest rates are expected to come down, leading to even better affordability. With our Rate Reset program, you can position yourself for a brighter future and capitalize on improved financial conditions.We believe in delivering exceptional service, personalized solutions, and a commitment to your long-term success. Our team is dedicated to guiding you through the Rate Reset process, ensuring a seamless experience every step of the way.Don't let high interest rates hold you back from achieving your homeownership dreams. Take advantage of the Rate Reset program and secure a better rate, better monthly payment, and a better financial future. Contract us to learn more as you embark on a journey towards home ownership and financial prosperity. YourLoanPro - Your Partner in Unlocking the Power of Homeownership!

Market Update

The interest rate market continues to be a wild ride. With inflation concerns looming, government spending continuing to exacerbate the issues. A Fed that seems like it's always playing defense, with a reactionary approach, and an economy that can't decide if it's coming or going. With all this, we are experiencing the most volatile market in the last 50 years.Attached I'll share with you some thoughts, market expert insights, and predictions regarding the state of the financial markets as they relate to mortgage interest rates so we can be strategic about the current trends and ensure we are getting you the best rate and options to meet your needs.For information on the WHY? and the NOW? Take a look at the attached videos, and be sure to reach out with any questions.For a breakdown of how rates work and how to get the best rate, visit http://www.YourLoanPro.com/ratesTo view previous Market Updates visit the Video Vault @ https://loanpro.click/MarketVault

Benefits and Comparisons for todays home buyer

Buying a home is for most, the largest and most complex financial transaction they have been involved in. We owe it to our clients to look at all the options and to do so from the perspective that best aligns with their goals and priorities. Here are just a few of the ways we educate our borrowers, walk through the numbers and help them determine the best course of action to fit their needs and create the best roadmap for their financial future.

Is the Meme right – buying a home today!

Which is better - "Paying 7% at $30k under list? And is it actually better than paying $100k over at 2.99%. You may be surprised by the results. In the main video, we'll break it all down and show you the data regarding the costs, benefits, and options of buying in today's market and what that could mean to you financially. For a glimpse into what the future may look like as well as strategies to create more affordability in today's market - Click on the link titled: Today's strategies & tomorrow's possibilities, for a breakdown of all the numbers. And if you find yourself missing high school economics class, check out my video on why the market is so volatile, and what does that data show for the future. Let us know if you would like us to run any of these reports for you based on your situation, forecasted appreciation to a specific area, finance options, etc. We are here to help!

Cashflow Rescue Strategy!

Don't let current economic hardships jeopardize your most valuable asset! More Americans create wealth through property ownership than any other source. One of those benefits is the equity that is created from your home and your ability to access that equity to offset costs and increase cash flow. I have put together a quick explanation of how utilizing your equity and reducing high-interest debt could be a strategy to consider, even in a rising interest environment. Most homeowners, never consider this as an option until it's too late. TIMING IS KEY, don't let high-interest debt pull you under and take away the home equity lifeline that you may have available to you. Click on the example above. I used a $350k purchase in Jan of 2019 putting 10% down. Using a rate of 3.00% with a loan amount of $315k. I just want you to be aware of this option in the event you do feel yourself strained by these economic downturns and higher costs. If you want to lear more, let's take a look and see if there is a solution that will keep you comfortable and reduce the stress that inflation is causing to so many homeowners. I can put together a custom report based specifically on your situation. If you are curious about this strategy, let's take a look together. But remember, timing is important, don't wait until the situation spirals and the ability to qualify for an equity loan is out of reach. As the high-interest debt adds up and balances start to max out or worse, a late payment is made, your credit score is affected and eventually it will become difficult to qualify, cutting you off from being able to access your equity. If you know someone who could benefit from looking at this strategy, please forward this to them. We want to help make sure everyone has the information they need to thrive in this changing economic envireonment. Tristan Sherrill www.YourLoanPro.com

The Offer Ready Homebuyer Advantage

The unfortunate truth is, most lenders offer a pre-qualification or pre-approval letter based on their quick overview of the application data and maybe a quick glance of the uploaded documents, that is if they have gone to the trouble of collecting any documentation. Often, this is a step that is put off until they have received an executed contract, leaving a lot of questions unanswered. Too commonly, qualification letters are generated based on inaccurate information. Input by staff that may not be qualified to accurately assess guideline complexities or correctly calculate income and assets as an actual underwriter would. This can create false approval results, and leave your property exposed in the event the buyer cannot qualify and close. You risk missing out on offer opportunities and the seller suffers increased frustration and stress. This creates a situation where you must start over in your attempt to sell the property, disadvantaged now, with more days on the market, with compounding stress, fear, and doubt. AVOID THE STRESS... make sure the buyer of your property is OFFER READY! Examples of what we can attach to help WIN the home: Attached please find our clients: - Qualification Letter (downloadable) - Clients Offer Ready Certificate (downloadable) - Video that highlights our financing plan - Our plan "if" value doesn't come back at contract Thank You, Tristan Sherrill

Win-Win-Win (Seller Buydown Strategy)

In a shifting market, we have to be nimble, be different, and provide solutions. Let me show you how to create a WIN! WIN! WIN! for everyone involved. We are programmed to concentrate on price when we purchase a home. It's understandable, but it is always prudent to look at all the options and see which strategy aligns best with your goals and priorities. Take a look at the attached report - a seller buydown can often create a win-win for both parties, buyer, and seller. It allows the buyer to often see a much better monthly cash-flow while often allowing the seller to net a higher profit from the sale of their home.

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