We get asked this a lot from first time home buyers, “Is FHA the best loan for me?” and today we are going to talk about it!

The truth is… it depends! Every situation is different, and every loan is different. So, we are going to talk about some reasons why FHA or Conventional may be better for you!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

If you are considering paying cash for your home, but don’t want to be stuck depleting your asset accounts, we have a product that can help! Maybe you planned to pay with financing, but it fell through, and you had to use your retirement account. Or maybe you wanted to have an edge over financed buyers and decided to take your money out of your 401k so you could pay cash.

We can help you recoup that money and put it back to work for you, with what we call “delayed cash out refinancing”.

This refinance has no waiting period for your money to “season” as they say so it is ideal to get your cash back fast.

Let’s talk about it!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Do you get bonuses? How about overtime, or maybe even commission?

Today we are going to talk about these unique income situations and why your lender will want to see a strong history of these types of income.

Let’s go!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

We have talked about it before, but there is always someone out there who needs to hear this.

If you are stuck under debt, whether its credit cards, student loans or medical bills, your house just might be the answer.

We can talk about how you could use the equity in your home to pay off these accounts and get out from under the debt!

We just helped a borrower do this and she is saving over $1,000 a month!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

When it comes to getting a mortgage, who you use matters. We have talked about it before but there are some big differences between using a local lender and a big bank.

Today I want to talk about some of those points, because getting a mortgage is one of the biggest purchases you will make, and we want your experience to be as smooth and painless as possible.

So, check it out and see how using a local lender can save you a lot of hassle and time!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Most of the time people who are looking to get pre-approved are focused on finding out what they can qualify for.

BUT today I want to talk to you about the difference between what you can afford, and what you can qualify for because they are not always the same.

Getting your payments where they need to be is a huge part of the mortgage process, so let’s dive in!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

We get asked this a lot from first time home buyers, “Is FHA the best loan for me?” and today we are going to talk about it!

The truth is… it depends! Every situation is different, and every loan is different. So, we are going to talk about some reasons why FHA or Conventional may be better for you!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

You may have heard the term DTI: Debt to Income Ratio. You may have even tried to start figuring out and calculating what your debt to income is for your loan.

But what does this really mean, how do you figure out what your ratio is?

The first step is to understand what goes into your ratio, we’re talking about it today!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

he other day we had a listing agent and seller ask us for a copy of the appraisal.

Is there anything wrong with that? No, there isn’t anything wrong with the seller’s requesting a copy of the appraisal. BUT, the kicker is it really isn’t ours to give.

As a buyer, when you pay for your appraisal, it belongs to you! So as the lender we always refer the sellers or seller’s agent to speak to the buyer and the buyer’s agent. If the buyer decided to release a copy that is totally up to them. They don’t have to though, they paid for it!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Cash out for manufactured homes, there is a lot of buzz around this topic lately, some lenders may not offer any products that cater to manufactured homes.

If you have a manufactured home, and you own the land as well we have some loan options that can help you tap into the equity in your home and pull cash out.

Let’s talk about how that could benefit you!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278

• Call me or text me 239-910-5668

• Talk to my team were here to help! 239-437-4278

• Check out my website www.TimHartJr.com

Connect with me on Social Media

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/