Before you apply… read this👇 Most mortgage delays (and denials) happen because buyers don’t prep before sending in the application. Here’s what you should have ready: ✅ Stable income employment docs Recent pay stubs, job letters, and tax returns make the process WAY smoother. ✅ Clean bank statements Lenders want to see consistent deposits, no unexplained large transfers, and responsible spending. ✅ Know your debt-to-income ratio Your existing payments (car, credit cards, loans) affect how much
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Before you apply… read this👇 Most mortgage delays (and denials) hap…
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If you own a home, these are three of the most important homeowner tax deductions to understand: the mortgage interest deduction, the property tax deduction, and the home sale capital gains exclusion. Mortgage interest may be deductible if you itemize, but limits apply. Property taxes can also be deductible when you itemize, and the rules can cap how much you can claim. Finally, if you sell your primary residence, you may qualify for a capital gains exclusion if you meet the 2-out-of-5-year use
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50 Year Mortgage, good or bad? Contact me and find out if this is a fit for you! Heather Hakes Nmls#153608 Regional Manager Golden Empire Mortgage Bankers, Inc. 951-217-2788 cell/text HHakes@gemcorp.com Hakesteam.gemcorp.com #50yrmortgage #lowrate #firsttimehomebuyertips #$0downpayment #homebuyer | The Hakes Team | Facebook
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That’s a wrap on this year’s Holiday Food Drive!! 🎄 We’re proud to support the Eva Rothwell Centre, where over 400 families rely on the pantry each month and the need continues to grow!! A huge thank you to our incredible team, friends, and partners who helped us pack and deliver two U-Haul trucks full of donations. Your generosity truly makes a difference. The Centre is always accepting donations. If you’d like to get more involved, feel free to reach out, we’d love to connect you! #HolidayFoo
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That’s a wrap on this year’s Holiday Food Drive!! 🎄 We’re proud to supp…
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Your credit file doesn't lie... even if you do. 🫣 ​As a former credit assessor turned mortgage broker, I’ve seen it all. In this video, I share how hiding financial details (like 14 missed payments!) doesn't protect you—it actually hurts your chances of getting a great rate. ​Please be transparent with your broker. We are on YOUR team! We can only fix problems we know about. 🤝 ​👇 Have you checked your credit score lately? #mortgagetips #Financetips #credithistory #mortgagebrokersaustralia #au
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