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Harold Tampoc Mortgage Check-Up

Great news Harold! We are able to set you up in a better loan for 2022 given current market rates. See the video for details and I'll be following up!

65 Mayfield

Mary Jo Kormushoff//Keller Williams Chervenic Realty// https://welcomehometeamohio.kw.com/ Property Site With Details: https://natekinkopf.lenderlaunchpad.com/listing/65-mayfield-ave-akron-oh-44313/ Welcome to 65 Mayfield! This is the home you've been waiting for. Move in ready from top to bottom! Charming front porch leads to 9ft ceilings on the first floor. Beautifully refinished hardwood floors. Gas fireplace in the inviting living room and French doors in the dinning room! Spacious bedrooms and tons of storage on the second floor. Stunning renovated bath. The 3rd floor offers additional sq ft with endless possibilities. Private back yard with patio for entertaining. Updates include newer carpet, furnace (2018), AC (2018), Electric panel (2016), roof (2015) just to name a few! Near local Highland Square shops, restaurants, park and library. Dreams do come true! Check this one out today!

Should I Wait to Buy a Home?

The decision on timing to buy a home involves many factors. When strictly looking at financing, the cost to own historically increases over time. This is because as prices continue to climb, albeit potentially not as aggressively as they did in 2021, the same home today will cost less than it will in a year. At this point we've seen a confluence of economic factors with Covid and the bond market that have resulted in the lowest interest rates in the history of the U.S mortgage market. It stands to reason that prices may climb as they historically have, and that rates must climb from where they are. These two incidences will mean it will cost more to get the same home in a year than it would be today and is outlined in the video to the right. Ultimately the rate dynamic is most impactful in this equation because even a $350,000 home at 2.99% is cheaper than the same home in a 'recessed' market, for example- priced at $300,000 and at 4.25% when rates do inevitably rise.

What is a Preapproval?

Walking through the general steps of what goes into getting pre-approved to buy your home.

What is a VA IRRL (Streamline)?

A VA-only refinance option!

VA Loan Fact or Fiction

Good insights on VA loan facts vs fiction

What is a VA Loan?

VA Loan Overview

What is a Recast

Can I put money down onto my loan without refinancing? There may be one way-with a recast.

Investment and Maximizing your Home Purchase

Residential real estate is often cited as the most impactful investment for individuals to create wealth in the U.S. As a result, decisions around how to set up your greatest liability-the mortgage-so that you can leverage the best asset picture for yourself down the line is a focus of mine as we go through this process.. This example and the two short videos to the right highlight how you can choose to invest while you buy your home instead of putting all of your liquid cash down toward the mortgage. Put simply-borrow in the 3's or 4's, and invest for a return 2x that and your overall finances will be exponentially stronger in the future.

What is an FHA loan?

What is an FHA loan and how can I use one?

What is a Conventional Loan

What is a Conventional loan and how can I use one?

Refinance

Refinance-How can it help me?

Reno Options

Compare your renovation options before beginning your project!

Shayna and Jenny Preapproval

Hello Listing Agent! I've heard great things about you and hope we get the chance to work together. Shayna and Jenny are very well-qualified and closing within 28 days is very realistic for us, if not sooner. As you'll see with the presentation included, I've covered the concept of short appraisal with them and they qualify to be flexible with their loan to ensure we can still make up any potential gap. Please call me directly at any time to discuss their offer or anything else I can help with- 216.386.2766. Thanks and good luck with the listing! Best, Nate