The HartBeat for Realtors

We see this a lot, Sellers concerned about accepting offers from an FHA or VA financed buyer. Let me tell you, you SHOULD consider these offers just as carefully as the rest! FHA and VA buyers have to go through the same pre-approval process with us that conventional buyers do, and that means they are also verified and qualified to buy your home! Listen in to learn more, and about when an FHA or VA buyer may not be a good match for your property. I doMortgages for a living, if I can ever help you buy or refinance a home let me know!   ·  Apply for a mortgage now at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en  Facebook- https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Are you about to close on your mortgage ? Signing the documents might feel like the end of the journey, but it's not over yet. You still have to wait for the loan to fund. In this video, we'll explain what loan funding is and why your not quite done at the closing table. We'll also discuss the factors that can affect the loan funding and share some tips for managing your finances during the waiting period to ensure that your loan doesn't fall through. If you're a homebuyer, watch now to learn everything you need to know about loan funding and make your mortgage journey a success. 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

In this video, we'll cover private roads and how they affect your ability to secure an FHA, VA or Conventional loan. We'll discuss challenges, requirements, and tips buying a home on a private road. Whether you're a first-time homebuyer or an experienced investor, this is a must-watch for anyone considering a home on a private road. 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en  Facebook- https://www.facebook.com/TimHartJr LinkedIn-  https://www.linkedin.com/in/timhartjr/

REALTORS: Do you have a client who is looking to purchase a home for their handicapped or disabled parent or child? GOOD NEWS! We can get them primary residence rates! Florida allows for a parent to purchase a home for their handicapped or disabled child, as a primary residence. This means they wont have to deal with vacation home, or investment property rates. The same works if the child is purchasing for their disabled parent. Of course, some restrictions will still apply, check out the episode to learn more. Share this episode with any of your clients who are in this situation, I hope it helps! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

During a financing transaction, there are a million moving parts and industries all involved in the closing transaction. Title, lender, appraisal, insurance, both agents, buyer, seller, surveyor, home inspector and on and on. If you do enough deals, you will have some go sideways. When this happens, it is our advice that everyone involved maintain a united front for the buyer and seller. We have seen where the deal can go south quickly when all the industries involved start pointing fingers at each other. Sometimes, someone involved in the deal may have earned those sternly worded emails but most of the time it could be just a simple mistake or explanation for the error. This episode is meant to solidify the role we all play in one of the biggest investments of our client's lives. 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Financed deals can be a lot of work with many moving parts. It can be very cumbersome and there are tips you can convey to your borrower to help them have a successful mortgage transaction. I touch on many different mortgage tips for your buyer in this episode. Don't pull credit, quit jobs, change pays, pay off random debt, move around and many more! This podcast is loaded with GOLD! Feel free to share this with your financed buyers. It is very important that they do their best to help the process go smoothly. Reach out to my office if we can ever help you or your borrowers. Have a rate day! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Are Seller concessions making a comeback? Maybe… I have seen several contracts come in with seller concessions which has been a rare sight the last couple years. Signs of a buyers' market creeping in? I'm not sure but I do like it for our borrowers that have been struggling to get under contract for a couple years. Each loan type has different amount of costs that they Seller can pay. They are different for FHA, VA, Conventional and USDA. Listen in to learn more about Seller Concessions! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

When you refer your buyer to a preferred lender, that lender will need to pull credit. When that credit pull happens the credit bureaus sell that information to other lenders. We have been hearing rumblings of other lenders joining up with lenders to work those buyers together. Listen to this episode to hear what you can do to stop it. You will want to save this link for future use: https://www.optoutprescreen.com/selection 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Have you ever thought you can't get approved for something and so you don't try? It happens all the time in the mortgage business. We talk to a borrower, and they give us all the reasons we won't pre-approve them. We do the application, and they get pre-approved. Don't get me wrong, there are times where they borrower still gets denied but we can then give them a roadmap to get pre-approved. Either way, you should want to apply with a lender to see what can be done now OR what you need to do to get ready in the future. Listen in to learn more. 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Are you a real estate investor that is looking to acquire more properties but do not claim enough income on your tax returns? This loan may be for you! Our investor loan will allow you to buy unlimited properties if your mortgage payment does not exceed the market rent on the property. You also must currently own a home. Check out this episode to learn more! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

With our market in SWFL having more rehabbed properties coming onto the market, it is a good time to remind you of FHA Flipping Rule. If the Seller has owned the property for 90 days or less, then you can't go under contract with an FHA buyer. You will need the buyer to go under contract on Day 91. This rule does not apply to Conventional or VA. If the Seller has owned the property between 91 days and 12 months AND the sales price has increased by more than 5% of the Sellers purchase price FHA could ask for a 2nd appraisal. If the sales price has increased by 100% or more of the original purchase price within that 91 day -12 month time window, you can expect a 2nd appraisal request from FHA. Listen to this video to learn more. Feel free to share this with buyers looking at properties like this or your investors that are flipping houses. Reach out anytime we can help! Office # is 239-437-4278 Have a rate day! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

I see this situation often. Seller is selling a house and they own the land beside or behind it. They want to include the land in the sale BUT the land is a separate parcel. Can this all be financed with one mortgage, or does the lot have to be joined with the house on the same parcel? The short answer is that as long as the lot is connected to the subject property you should be ok. If the lot is not connected to the subject property then you will not be able to include it in the new mortgage. In this video I answer that question and go into more detail on what will and won't work. Have you seen this issue blow up a deal? Just curious.. Have a rate day! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Question for Realtors. Would You Refer Buyers To A Lender Owned By A Real Estate Company? This question has been on my mind for the last several months as I watch another real estate company start up a mortgage company. I don't blame the real estate for doing it and it is perfectly legal. I do wonder if this affects the lender getting outside business from other Realtors. Is a Century 21 Agent going to want to refer to a Lender that is owned by RE/MAX? Is a RE/MAX agent going to want to refer to a Lender owned by Keller Williams? I know my answer would be “Never!”. Maybe I'm crazy. I would never refer insurance to a company called Wells Fargo Insurance or title work to Quicken Title. Not happening

I know most Realtors will try to keep in touch with their database so I thought I would throw you a few ideas if you wanted to reach out to them. Having something to say can get tough. Here are a few ideas for you if you wanted to call, text or email them this week. • Homeowners insurance rates- Ask if they have shopped their insurance this year? Lots of changes happening and none of them are good. Costs are going up and it looks to be getting worse in Florida. Here is a recent story: https://www.insurancejournal.com/news/southeast/2022/07/21/676895.htm • Do they want to buy an investment property? We have a new product that is a 5/1 Adjustable Rate mortgage and the rate is 4.25%. They will need to pay 1.5% in discount points and some other things to qualify but maybe they are interested. • Do they need any referrals around the house or for their life? Lawn, painting, financial advisor, roofer etc. I have a list of people I can recommend if you do not. This will be a great way to offer help to them These are just a few ideas. Let me know if you have any other ones. We are always looking for extra ways to provide value back to our past clients. 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

I was reminded last week on how important it is for all of us to control the transaction as much as we can. As a Realtor, you get a lot of say in who your buyer or seller will use. In this video I discuss the importance of having a reliable team around you to help ensure your transaction closing in a smooth and timely fashion. Listen in to learn more. 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Oh boy is this a rough one for us lenders. We pre-approve the buyer. Underwrite the entire file. Super pumped because the buyers are serious and making offers. Then the find a new construction the love and the builder offers them $5k in closing costs if they use the Builders lender OR they can use us and get ZERO. Lol Happens all the time and it stinks. I speak pretty candidly in the video and mean no disrespect to builders or builders lender. I just think the Builder should not be allowed to give incentives to use their lender but not give those same incentives to choose another option. I have seen many time where the loan we are offering is actually better for the consumer but they don't want to risk the losing their deposit since the builder would make it nonrefundable if they used an outside lender. I have seen other ones where our loan is still better even with the buyer not getting the incentives. There have been other cases where the builders lender is giving the a great deal and the borrowers really win out. Anyways, this video was me just complaining for a few minutes haha. Hope all is well and you have a rate day! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Many times high net worth borrowers will have large amount of assets but not be able to prove the income needed to qualify for the mortgage. They can probably pay for the mortgage 5 or 10 times with their assets but they want to use someone else's money for the mortgage. If you have someone like that, please listen to this video I did with Jerry Sanchez. We discuss a program called Asset Depletion. Don't get caught up in the formulas we talk about. It can get really confusing, even for me lol Just understand that we can turn their assets into income without them liquidating the asset. Call my office at 239-437-4278 if we can help at all. My team of Loan Officers will be ready to serve you and your clients. P.S. We can fully underwrite your buyers that need to be pre-approved while they are out looking or before they even get started. We also call the listing agent for any offer you make. It helps the offer get accepted! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Many times people want to buy a new home but do not want to go thru the stress of having their current home sold or they worry the house won't be sold in time. This Bridge Loan will allow them to buy the new home while waiting for their current home to be sold. Be sure to check out the video I did with Elizabeth Schermerhorn explaining the product. Grab a note pad and dig in case this is a product you need now or in the future. P.S. Please remember that we can have your pre-approval fully underwritten before or while your buyers are looking for a home. We also call the Listing Agent when you make the offer. It helps! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Foreign National loans are for people that are not residents of the US. In this video, myself and Stacy Flanigan explain Foreign National and ITIN loans. No income or credit score is required for the foreign national loan. The ITIN loan will require income. Check out this episode to learn more. Be sure to share this with anyone you know that may be interested. Call my office at 239-437-4278 or email me at timteam@vandykmortgage.com if you have any other questions or concerns. Have a rate one! 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 at 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

In this video myself and Stacey Flanigan discuss the Investor Cash Flow Loan aka DSCR. Don't worry, we explain what DSCR means. This video is a must watch for any real estate investor. Check out this video to learn more. Call my office at 239-437-4278 or email me at timteam@vandykmortgage.com with any questions or concerns that you may have. Be sure to share this video with any investors or Realtor that may be interested. Have a rate one! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

In this episode myself and Stacey Flanigan explain Bank Statement loans for self employed borrowers. This is an excellent way for self employed borrowers to finance property. No tax returns are required and the average deposits into your personal or business accounts become your income. This loan will work for anyone that is 1099 as well. It can be used for purchase or refinance. Learn more by listening to the full episode, you can check out the video too on our YouTube @Tim Hart - Loan Officer Call my office at 239-437-4278 or email timteam@vandykmortgage.com if you have any questions. Please share this with anyone you know that is self-employed. You may be able to help them own a home. 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

I just wanted to offer some words of encouragement to you and a few pieces of advice to help your buyers get under contract. Maybe it can help you win an extra deal. If you have been in this business long enough then you know that good and bad times never last forever. Us lenders are dealing with struggles right along with you. Every day rates seem to just get worse and sometimes we have 1 to 2 rate increases a day. It sucks! It won't stay that way though. Rates will calm down and so will the markets. Hopefully! So if you are struggling getting listings or getting your buyers under contract just know that it won't be like this forever. You will turn the corner but you have to stay moving forward and showing up every day. Reach out to my team if we can help with anything. Myself or one of my Loan Officers will be happy to assist you or your buyers anytime. Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Many of your buyers may have commission, bonus or overtime income. In this video I discuss your buyers that have overtime income. Hopefully it helps you in speaking with your buyers if this type of income comes up. Please let us know if we can help you or your buyers in the future. Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Credit and provable income are the two most important items when it comes to qualifying for a mortgage. One of the types if income that a lender considers risky is Commission Income. Almost all lenders are going to want to see that the borrower has been receiving commission income for the last two years and use an average of those two years to establish their income. Check out this episode to learn more! We are always here to help with you or your buyers. Call my office at 239-437-4278 anytime if you ever need a buyer pre-approved. Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Attention Realtors! Do you need help converting buyers into pre-approvals? Realtors refer their lender or preferred lenders in different ways. Some like giving the buyer three contacts to call, some give two and some give only one. However you give these referrals, I would like to give you some advice on what I think works best when referring your lenders to a buyer that needs to be pre-approved. Here is the question I would ask “Is it ok if I have my preferred lender call you?” This question will do two things. One is that you will find out if the buyer is serious or not. If they push back or say they will call them, then you know they may not be as serious. If they say yes, then you know they are serious and ready to rock. The second thing that happens, is that your lender can now help you get that buyer to a decision. All lenders are different in how they handle the referral so I can only speak on my team. Once you call, email or text the info to us, we can contact them immediately and be sure to do the proper follow up while keeping you informed. Think of your lender as a CRM where we are helping you get these leads to some kind of a decision. I go into more detail in this episode. What is your way of referring your preferred lender? 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Hello! I have news for you that you may or not care about but I still want to share it with you just in case you find yourself needing to know about Single Wide Manufactured Homes. We can now close Single Wide Manufactured Homes with an FHA or Conventional loan. With prices as high as they are, these may the only option for certain prince sensitive buyers. These will be treated the same as double wide manufactured homes except we require them to be newer. Here is a quick refresh for the parameters. You must own the land Be built 10 years PRIOR to the appraisal date. Date of the appraisal is when the appraiser inspects it With a double wide the house needs to be built after 1976. Single wides must be newer. Check out this episode to learn more... enjoy! Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

As a Realtor, you may have seen a buyer try to send the lender the home inspection. In this episode, I highly advise you never send the lender your home inspection or let your buyers do it. The lender considers the appraisal their home inspection. They should not need the home inspection. Be sure to check out this podcast to learn more in case your buyers ever try to pull this one. Let me know if you know of any of your friends, family or co-workers that may be looking to buy, sell or refinance their current mortgage. Always happy to help! Have a rate day!

This week we transferred servicing of a small amount of loans to another company. We proactively reached out to our borrowers but one of the questions I was surprised by was “Did I do something wrong?” Mortgage servicing is transferred to different companies all the time in the lending world. I go into some detail about why a lender may transfer servicing to another lender in this video. I know it's annoying because the borrower needs to change their payments to a different company but rest assured, it has nothing to do with the borrower. It's not you, it's them

Hello! Many of you know that in June 2021, the Champlain Towers South Condos in Miami collapsed. 98 people died from this tragedy. In the light of that event, Fannie Mae has instituted new policies in their condo approval process. I was lucky enough to have the Asst Chief Operating Officer for VanDyk Mortgage, Rich Passasante, on to discuss this changes. In this episode we going in depth and this will be some great knowledge for you and any of your Realtor friends. This knowledge may save a deal or time for you and your buyers/sellers. Feel free to call my office any time at 239-437-4278 if myself or team can help. Have a rate week! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Lots of changes in the mortgage business this week for the upcoming year of 2022. Last week we sent out the video about Fannie Mae/Freddie Mac increasing their loan amounts. Now we have FHA increasing their loan limits for 2022. They are increasing the current limits from $356,362 to $420,680. FHA buyers will also be happy with increased duplex loan amounts to $538,650 I'm explaining that today in this video. Please reach out to myself or my team about these changes or any other questions you may have. We are always here to serve. #FHAloans #FHALoanLimits #FHABuyers #Realtors 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Fannie Mae recently announced that they have raised the loan limits on conforming single-family loans to $647,200. What does this mean for you? It means that you have more borrowing power on these loans. We can provide higher loan amounts at the same great rates for a conventional loan product, without having to price these loans for properties around 800k at jumbo rates! Check out the video to learn more, and if we can help with questions, give my team a call! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Last week we put a video explaining the changes coming for flood insurance and this week I got a chance to talk with Brain Chapman of Chapman Insurance. We wanted to speak to Realtors and try to give you tips to help your Sellers and Buyers. These changes are coming and the increases are not going to be pretty. Check out the video to learn more. Here are a few of the pointers that we discussed. Sellers be prepared to provide their current flood policy so the new buyer knows the cost Seller without flood need to get a quote from FEMA and private so they can provide it to the buyers. Buyers are going to be asking so you might as well be ready. Buyers need to know if they are shopping in a flood zone so they can prepare Have a relationship with an insurance company that can quote you quickly. Those are some of the items we discussed. Hopefully this helps you make money, save money or save time. Hopefully all three!

If you live in a flood zone or want to own a house in a flood zone, you will want to tune in for this video. Connie Galewski of Avalon Insurance and I talk about the increases in flood insurance that has started on 10/1/2021. These price increases will vary on how far away from the water the property is but you can be sure that it will increase. Main points we cover: • Existing NFIP flood insurance owners will see an 18% increase cap until the house hits the premium that FEMA thinks it will be. • The existing NFIP policy can be transferred to new buyers so that will be a short term benefit to buyers and sellers. • Buyers that are buying a house from an owner that is in a flood zone but does not have flood insurance will be subjected to the full premium set by FEMA • Sellers in a flood zone need to have their current policy information ready to be disclosed so the new buyers can assume the current policy. Hopefully this information helps you or someone you know navigate these insane changes. By the way, if you are and about this, be sure to email your congressman and state rep. This is a Federal program. Reach out anytime I can help. Always here to serve! Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

We Saved a Borrower $2,262 a Month!! Yes, you read that right! We were able to use the equity in their home to pay off credit cards and current mortgage to save them $2,262 a month! Let me say it again ……. $2,262 a month in savings! That is life changing! This is called a cash out refinance and many people are looking towards this to pay off their credit cards and/or installments loans. We closed several last month that saved people hundreds of dollars a month. Homeowners in Florida have more equity in their home than they think. You may be surprised! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

In this hot market, manufactured homes are usually more affordable for buyers. There are some things you need to look out for when you are looking at manufactured homes and financing is needed. I cover them in the video but the main points are as follows. • Built after 1976 • Own your own land • Has to be a doublewide We finance these loans with all types of financing. Please call our office at 239-437-4278 if we can help with this or any other financing question. Thanks! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

On 7/16 Fannie Mae and Freddie Mac decided to remove the 50 basis points fee that were adding to the rate of all conventional loans. This was added after COVID and I am super happy it is being removed. The removal of this costs will decrease rates by about .25% for most borrowers. Maybe you or someone you know felt the rates were to high or that it was not enough savings. Could be time for another look. Let me know if you have any questions or concerns. 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

I am super pumped to have this product back. We can actually have your buyers fully underwritten without having a property under contract. This means when your buyer makes an offer you can tell the listing agent that all we need is the appraisal and title and we can move on to closing. This is as close to cash as you can get. Also, when you make an offer with one of these underwritten pre-approvals we will contact the listing agent for you. This will help your buyer get their contract accepted in a competitive market. Please reach out to myself or anyone on my team to learn more about this program You can also check out this video to learn more Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Our industry was pleasantly surprised to see FHA change their stance on deferred student loans. This rule change will allow many borrowers that have student loans to now qualify or qualify for more. In the past FHA has made us use 1% of the loan balance as an estimated monthly payment for qualification purposes. They have decreased that to .5% It does not seem like much but on average it will be around $40k in borrowing power. Check out this video to learn more. 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Do I need 20% Down? I'm saving money to get my 20% down. I have these type of conversations a lot. You do not need 20% to put down on a home. It is a great help to have 20% but not required. You have other options. Check out this video and let me know in the comments what you think. We are always here to help If you have more questions about buying a home. Have a rate day!! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Going through the mortgage process can be stressful. Don't let anyone tell you it is a cakewalk. Sometimes the process is ultra-smooth with zero issues and you barely know you bought a home. Others can be like a roller coaster at Busch Gardens. In this episode I offer up three tips to help buyers prepare for the mortgage process. Hopefully this helps them have the proper expectations as they move towards home ownership. If I can ever help please call me at 239-437-4278. Thanks and have a RATE day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Just recently we have opened up a new credit line for Jumbo Loans. This is becoming very important in our market since sales prices have gone up so high, and people are in need of a higher loan OR they want to borrower larger amounts of money over the long term. Check out this episode to learn more about Jumbo Loans and please keep it in mind for your buyers in the future! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

It's no secret that contracts are hard to win if you are a buyer who needs financing. As a lender we can help you try and win that offer. The two things we discuss in this video are calling the listing agent and talking you out of making an offer with a big box bank pre-approval letter. Check out the episode to learn more! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

As if appraisal delays were not enough, you can add survey delays to the list of items to keep an eye on. Most title companies are not ordering the appraisal until the appraisal is completed. With appraisals taking longer the surveys are getting ordered later and they are experiencing the same amount of volume as appraisers. Check out this episode on how to handle these issues.. 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

More and more we are hearing back from our buyers and referral partners that their FHA and VA buyers are not having their offers accepted. I understand this if the sales price is over the estimated appraised value. You don't want to enter that mess. I don't understand if the FHA or VA buyer is the best offer. A VA buyer is usually just as strong as any conventional buyer and the only real difference to the Seller is that a WDO inspection is required. Don't be scared of these buyers. I did a quick video on my thoughts for why Sellers should be open to accepting FHA and VA Buyers Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Let's use the average credit score! We can't, it has to be the middle credit score Let's use the high credit score! We can't, we have to use the middle credit score Can we just use Equifax? No, we have to use the middle credit score. See a pattern? This happens a lot when discussing credit reports with borrowers. That is why we decided to a do quick video about the reasons why we use the middle credit score. Hopefully this helps you or someone you know in the market to buy a home. Let me know if I can help with anything. 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

I have had many agents and sellers scared to accept a VA or FHA offer because they thought it would not pass the VA or FHA “Inspection” This video is to explain to them that the VA and FHA do not require a home inspection. The VA and FHA “inspection” is the appraisal which is done by a licensed appraiser. If anything is wrong with the house it is up to the appraiser to mention it to the lender in their report and then all parties involved work to fix the issues. Check out this episode to learn more! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

A buyer calling us and saying “I paid off my collections and am now ready to buy a house” hurts my heart. I know what is about to happen. Paying off all those collections to increase your score to buy a house in the short term IS NOT good and this episode explains why. If you want to buy a house now, need financing and have open collections DO NOT PAY THEM. Apply with a mortgage lender and let them advise you. The credit bureaus look at your collections as a potential mistake and score it as such. Once you pay them off, you basically admit they were yours and your score drops some. Over the long run it will build back up but in the short term while you are trying to get a mortgage, it will hurt. Sounds stupid right? It is but there is nothing you or I can do about it. If you have open collections right now and are not in need of financing then pay those things off and move on with your life. Hope this helps you in you or your clients home buying journey. Call me with any questions or concerns. Have a RATE day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Hello! Several of our recent buyers have wanted to hold off from signing loan disclosures until the home inspections was completed OR repairs negotiated from the home inspection. This video explains while I highly recommend you not doing that and to continue to move forward with the loan process. Yes put the appraisal on hold but the rest of the process should be full speed ahead. Every day matters in this process so you don't want to lose several days early in the process waiting. Trust me, the closing date will be here before you know it :) Check out this episode to learn why you should not hold off on the mortgage process while waiting for the home inspection. Have a rate day! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

In this current buying frenzy we are seeing more and more appraisals come in below sales price. Buyers are getting putting into situations were they need to offer their highest and best offer. This can sometimes be over the what the house is worth. Not an issue if you are paying cash but it is when you need financing. In this episode will explain what I see happen during an appraisal below the sales price. Options are limited but it is always worth a shot. I also go into some prevention measures. I hope this is helpful for you, and helpful to your buyers and sellers in this market! Please let me know if I can help you or anyone you know. 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Wire fraud is here and something you need to be aware of when buying a home. Hackers can pose as a title company and send you the wiring instructions for your transaction. It will look identical to the title companies wiring instructions except the account number will be different. Once you wire the money to the wrong account, the money is gone. Horrible situation. Check out this episode on how to avoid wire fraud, and please share it with your clients so they are aware of the risks, and understand how to avoid a wiring disaster. I can ever help you or answer any of your mortgage questions give me and my team a call at 239-437-4278! You can also catch this and other Realtor tips on our YouTube channel at the links below! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

What are today's rates? That is the question that I am asked the most by a borrower when I first talk to them. It is not a quick and easy answer because many people don't realize what goes into a mortgage rate. There are many factors that go into getting your buyer the best rate they qualify for including loan to value, credit score, property type, loan amount and several others. Check out this episode to learn more, and please use this as a tool to share with your buyers, to help them better understand what goes into quoting a rate. You can also catch this and other Realtor tips on our YouTube channel at the links below! Let us know if we can ever help you or buyers! 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 at https://timhart.floify.com/apply-now · 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 YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/