Is it a good idea to close at the end of the year or the beginning of the new year
what about portability from one home to the new home
filing for homestead is a must
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s it best to close at the end of the month or the beginning
one could be short of cash to close and then end of the month makes the most sense
or you are in a lease and need the extra month,
how does it all work
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will your pension, social and 401k last your lifetime?
will you have extra money for whatever may happen that is not in the budget
what happens when the gov't pivots and prints another 10 trillion? will costs go up more
why not have an equity line that you do not have to make payments on?
why not have an equity line that goes increases with inflation
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#mortgage
#hecm
#reversemortgage

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A mortgage broker acts as a middleman between borrowers and lenders. They can help borrowers find the best mortgage rates and terms by shopping around among a variety of lenders. Using a mortgage broker can save borrowers time and effort in finding a mortgage, as well as potentially getting a better deal than they would by going directly to a lender. Additionally, mortgage brokers are often familiar with a wide range of loan products and can help borrowers find the one that best suits their needs.
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no income verification - no tax returns
for the self-employed, retired, volatile or irregular employment, seasonal or Gig workers, owners of  cash businesses, or maybe transitioning from recent health or other life events
or the Alt doc loan can be a 1099, w2, or 12 monthly bank statement loans
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The first half of 2022 was fast and furious
outbidding on each home
cash being king
then conventional and how strong conventional
then barely looking at FHA/VA
The secondhttps://www.ddamortgage.com/blog half slowed down dramatically
increasing rates, unaffordable homes with higher prices and higher rates
then a sliver of hope the last week in December
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loan application taken in 15 minutes
du/lp approval in 30 minutes
electronic signatures sent to you within the hour
secure email provided to upload documents
order appraisal if required
order title
you shop insurance
underwriting in 1 day
close in 3 weeks like easily done
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what will happen when the govt pivots?
the printing press will start up some time and what does that mean to you

refinances again at the rates you are locked in at now
sell and purchase a new home either to downsize or move up
refinance and consolidate debt, student loans, auto, etc.,
Take out a reverse mortgage and use it for your retirement and so many
different options there that can be used

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Have a Great holiday and Happy New Year!
what happens in 2023,  take the time to reflect on how to grow your business 
next year!
what will happen to interest rates? what new products will be there
what can you do to survive and thrive in choppy waters in your industry

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Buying a home and not using all your cash
owning a home and using the equity to payoff off a mortgage, get a HELOC, or get monthly payments set up to help in your retirement years
With the volatility in the stock market, skyrocketing medical expenses, and food costs, is it time to use the equity in your home as a retirement vehicle
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