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Justin Murray

Casa
Colombia
Medellín
Justin Murray

Información de contacto, mapa y direcciones, formulario de contacto, horario de apertura, servicios, puntuaciones, fotos, videos y anuncios de Justin Murray, Agentes hipotecarios, Calle 15 # 35 - 133, Medellín.

23/11/2022

Great Canadian soccer show from Colombia

01/10/2022

Evolving to the open flame cooking

31/12/2021

Enjoy your night and 2022!

17/09/2021

Happy Friday! Here are 5 myths you may have heard about mortgages:

MYTH 1 - You need to save 20% of a home’s listing price for a downpayment. This percentage depends on several factors - DM me and I am happy to help.
MYTH 2 - You don’t need to get pre-approved until the sale is in process. I recommend getting pre-approved as soon as you even think about potentially buying a home. This can let you know where you stand and you can see if you are ready ir need to set some goals to improve your situation
MYTH 3 - You must have perfect credit. Credit does play an important role in qualifying for a mortgage, but there are options for people who have low credit scores. DM me to explore options.
MYTH 4 - Having debt ruins your chances at getting a mortgage loan. Like credit scores, your debt-to-income ratio is important, but there are ways around this and there is room for non household debt in your qualification ratios.
MYTH 5 - You can’t pay a mortgage off early. Every lender has pre payment options but some are better than others. If a goal is to pay your mortgage down quickly. Make sure you have a lender that would allow this

If you have any questions please shoot me a DM - happy to help with all your Mortgage needs 🏡

Justin Murray
(613) 720-2142
[email protected]

03/09/2021

Here are 5 tips to make your mortgage approval process easier:

    1.    Message
    2.    Avoid quitting or changing jobs
    3.    Avoid making any large purchases on credit
    4.    Avoid buying a new vehicle (financed or leased)
    5.    Avoid switching banks or moving money around

Wishing everyone a safe and relaxing long weekend.

Please feel free to DM me with any questions. Happy to help 😁

- Justin Murray
(613) 720-2142
[email protected]

30/07/2021

Happy long weekend everyone! It’s the perfect weekend to hit up a patio. Here are 4 patios that I recommend you check out this weekend:

1 - try the pig head taco
2. - great views of the city
3. - best street food and cocktails
4. - Cool hidden spot in the courtyard

Relax and enjoy the weekend and feel free to DM me with any questions regarding mortgages. I am more than happy to help

⁃ Justin Murray

26/07/2021

There are many reasons why you might want to use a mortgage broker. Here are five important reasons:

1. Save time and money: When you use a mortgage broker, you can save time and money. Instead of applying at the lenders yourself, your mortgage broker should do all the legwork for you. If your broker finds a lender offering a mortgage with a lower rate, that could mean thousands of dollars in savings over the life of your mortgage.

2. Lower mortgage rate and Penalties: Your mortgage broker may do a lot of business with some lenders, giving them volume bonuses, who can pass those savings on to you. A lower rate means lower payments!
Also penalties from major banks can be very high. Broker channel lenders can about 4 times less than a big named bank. (I have seen this hurt many including myself, ask for details)

3. Unbiased advice and greater choice

4. No cost (most of the time): Your mortgage broker is compensated directly by the lender, so most of the time there’s absolutely no cost to you as the consumer. The only time you might have to pay a fee is when working with a private lender or a lender who refuses to pay broker fees, but a broker will tell you in advance of those potential extra costs.

5. Protect your credit score: If you apply at dozens of lenders yourself, not only is it time-consuming, it can lead to a lower credit score. Here’s why – each time you apply at a lender, it results in a hard credit check. If you do too many credit checks within a short time span, it can lower your credit score. With a broker, typically they only have to pull your credit score once, helping protect your credit score.

For any other questions, feel free to shoot me a DM. Happy to answer any questions you have!

- Justin Murray

19/07/2021

This is your reminder that you can own a home with as low as 5% down payment.

The right downpayment is dependent on many factors.

Send me DM and I am happy to answer any of your mortgage-related questions. 😄

- Justin Murray
Mortgage Masta ⚡️

16/09/2020

Is your mortgage deferral coming to an end?

At the height of the pandemic, many lenders helped homeowners by offering them an option to defer their mortgage payments for up to six months. As these programs come to a close, some homeowners still find themselves in an uncertain employment position, and are reasonably worried about how they will be able to remain in their homes.

Luckily, we as mortgage brokers are here to help during these unprecedented times. Fill out the form in my bio to get in touch and find out your options today.

Dirección

Calle 15 # 35 - 133
Medellín
07032

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