Thelma F. Hernandez

Thelma F. Hernandez Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Thelma F. Hernandez, Agentes hipotecarios, New York, NY.

04/29/2025

25 Mortgage Facts Most Agents Don’t Know (But Honestly Should)

Mortgages go way deeper than “what’s your rate?” And sometimes, it’s the stuff we don’t know that can throw a whole deal off track.

Here are some not so obvious facts that might surprise you and help you look out for your clients in ways that go beyond the norm:

1. Having a large, unexplained deposit in a bank account can delay a closing. Lenders need a paper trail for any large deposits that aren’t paycheck-related.

2. Student loan payment plans matter. Even $0 income-driven payments can impact approval depending on the loan type.

3. Collections under $2,000 usually don’t need to be paid off but it depends on the loan type.

4. Lenders calculate income from bonuses and overtime differently. It often needs a 2-year average.

5. Property tax projections can vary wildly from lender to lender especially in new construction.

6. VA loans allow reusable eligibility, not just one time use.

If you’re the kind of agent who likes to stay ready (or just wants less stress during escrow), I’ve got you!

Drop “TIPS” in the comments and I’ll send over the full list. And don’t forget to follow me on Instagram for more tips .onamission!

04/18/2025

Attention Realtors!!

What’s one thing you wish buyers understood before they called you?

03/29/2025

🚨 Heads up, homebuyers! 🚨

If you’re planning to use down payment assistance to buy a home, there are some updates you should know about.

✅ Good news Down payment assistance is still available. You can still get help with your down payment and closing costs from approved programs like government agencies and nonprofits.

🚫 But some changes Fannie Mae and Freddie Mac have been directed to end certain Special Purpose Credit Programs that provided extra financial support and underwriting flexibility. This means some down payment assistance options may no longer be available.

💡 What this means for you If you’re counting on down payment assistance, double check that your program is still eligible. Things are shifting, so it’s always a good idea to talk to a mortgage professional (hi 👋🏾) to make sure you’re on the right track.

Let’s make sure you have a solid game plan. DM me if you have any questions. 🏡💰



Follow me in Instagram onamission .inrealestate

03/26/2025

🚨 ¡Actualización Importante para Residentes No Permanentes! 🚨

A partir del 26 de marzo de 2025, las hipotecas aseguradas por FHA estarán disponibles SOLO para ciudadanos estadounidenses y residentes permanentes legales. Aunque este cambio afecta a los residentes no permanentes, todavía hay formas de hacer realidad tu sueño de ser propietario de una vivienda. Sé que esta noticia puede sentirse como un obstáculo, pero no te preocupes, ¡aún hay esperanza!

Aquí tienes algunas opciones:
🔑 Préstamos convencionales pueden seguir siendo una opción. Algunos prestamistas trabajan con personas que tienen visas de trabajo.
🔑 Explora otros préstamos respaldados por el gobierno, como los de Fannie Mae o Freddie Mac.
🔑 No olvides los prestamistas especializados que ofrecen soluciones para residentes no permanentes.

Puede parecer un desafío, pero recuerda: esto es solo un paso en el camino. Mantén la cabeza en alto, sigue adelante y explora tus opciones. Tu hogar soñado sigue estando a tu alcance. ¡Tú puedes lograrlo! 💪🏡

03/26/2025

🏡 Stratford CT Real Estate Market Update! 📊

Hey Friends! If you’ve been wondering what’s happening with the housing market in Stratford, here’s a quick update:

➡️ Homes for Sale: Right now, 129 homes are on the market, with a median price of $449,950.

➡️ Homes Sold in the Last 30 Days: 111 homes closed last month—up from 104 this time last year!

➡️ Under Contract: 75 homes are pending with a median price of $450,000. Houses are still moving!

If you’re thinking about buying or selling (or just love keeping up with the market), let’s chat! Always happy to help.

03/26/2025

🚨 Important Update for Non-Permanent Residents! 🚨

Starting March 26, 2025, FHA insured mortgages will be available ONLY to U.S. citizens and lawful permanent residents. While this change impacts non permanent residents, there are still ways to make homeownership happen for you. I know this news might feel like a curveball, but don’t worry there’s still hope!

Here’s how:
🔑 Conventional loans might still be an option. Some lenders work with people on work visas!
🔑 Explore other government backed loans like Fannie Mae or Freddie Mac.
🔑 Don’t forget about specialized lenders who offer solutions for non-permanent residents.

It might feel like a challenge, but remember: this is just one step on the journey. Keep your head up, stay positive, and reach out to explore your options. Your dream home is still within reach. You’ve got this! 💪🏡

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New York, NY

Telephone

+19179326875

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