First Meridian Mortgage

01/10/2026

Great job Andrew Jackson, call him for some solid Heating/ AC work.

10/07/2024

Minor set back on friday for interest rates! The jobs report being better than expected push rates up on average a .25% back to August levels. Rates will need a little confirmation (CPI and PPI) that inflation is not bouncing back to then drift back lower. If your in the market for a purchase or refinance give me a call to discuss strategies to lowering your rate. Kevin Retcher First Meridian Mortgage Corporation First Meridian Mortgage703-799-5626

10/02/2024

Skipping 2 Mortgage Payments Pro's and Con's

Thinking about refinancing your mortgage but unsure about how payment skipping works? 🤔 In my latest YouTube video, I explain the ins and outs of skipping one or two payments during a refinance. Learn about the potential benefits and pitfalls to make the best decision for your financial future. Tune in now!

Call 703-799-5626 for the Service,and expertise that will save you money on your mortgage.

https://youtu.be/0eWxGN-vxmE

First Meridian Mortgage Corporation Kevin Retcher First Meridian Mortgage No Closing Cost Refinance

Would you like a no hassle Mortgage/ Consultation? Call Kevin Retcher (O) 703-799-5626, (c) 703-201-6138⭐ Book the Calendar at https://calendly.com/kevin-ret...

09/24/2024

despite the recent Fed rate cut, the overall interest rates have shown a minor uptick due to supply and demand dynamics. It's important to keep an eye on upcoming reports, such as unemployment and budget updates, as these will likely influence the market further. Generally, the best time to find the lowest rates is often the week before a Fed meeting.

If you're considering a refinance or need to get pre-qualified, it might be wise to wait a few days for potentially better rates. As always, stay informed and make strategic decisions accordingly.

For more insights and updates, feel free to reach out to me, Kevin Retcher, owner of First Meridian Mortgage. You can contact me at 703-799-5626. I appreciate your time, and if you found this update useful, please like, share, and subscribe for more content. Semper Fi to all the Marines out there!

Kevin Retcher, Broker Owner you like a no hassle Mortgage/ Consultation? Call Me (C) ...

09/21/2024

Mortgage Refinancing 101: Costs, No-Cost, and Hybrid Options;Which is Best for You!

This is a must view before you shop for a mortgage.

Refinancing your mortgage can offer significant benefits, but it is important to approach it with a clear strategy and understanding of the associated costs. Whether you opt for a no-cost, hybrid, or all-in refinancing option, each comes with its own set of advantages and potential drawbacks. No-cost refinancing offers instant savings with a slightly higher interest rate, making it a suitable choice in a flexible or downwardly moving market. Hybrid refinancing provides a balanced approach with a lower interest rate but minor costs. The all-in option, while potentially offering the lowest interest rate, demands upfront costs and is best suited for those confident in their financial stability or future investments.

By carefully evaluating these options and considering factors like recoup time and market conditions, you can make a more informed decision that aligns with your financial goals. Remember, opportunities to grab better rates might arise, so staying flexible and patient can often yield the best results.

For personalized advice and more details on how these refinancing options could work for you, feel free to contact us at First Meridian Mortgage. 703-799-5626 www.firstmeridianmortgage.com

https://youtu.be/xRXp5lY5EA0
Kevin Retcher First Meridian Mortgage Corporation First Meridian Mortgage

Kevin Retcher, Broker Owner Would you like a no hassle Mortgage/ Consultation? Cal...

09/21/2024

How has the new NAR Rules affected Real estate Commissions? The first 30 days!

I dive into how recent changes to the National Association of Realtors (NAR) commission rules have influenced the real estate commission environment over the past 30 days. Here's a breakdown of his findings based on local data analysis.
The Analysis Method

To better understand the impact, Kevin collaborated with a local title company and performed a detailed analysis using data from open contracts over the past month. The data was segregated into three price categories:
$200,000 to $450,000
$450,000 to $766,000
$766,000 and above
See what the average realtor commissions were for listing and selling agents.
Check out the key findings, report in the comment section on your tube. First Meridian Mortgage Corporation First Meridian Mortgage Homebuyers Bundle

Video list link to the report https://firstmeridianmortgage.com/Housingreport.pdfKevin Retcher, Broker Owner ...

09/18/2024

📢 Today when the Fed cuts interest rates, Are You Considering Mortgage Refinancing? 📢

In my latest video, I discuss the costs involved and the types of refinancing options available. 📊 Whether you’re looking for a no-cost refinance or considering paying all the closing costs, I've got you covered. Watch and learn how to maximize your savings. 💰 Click here to watch

Kevin Retcher, Broker Owner Would you like a no hassle Mortgage/ Consultation? Cal...

09/06/2024

4 Local Title Companies sued by the Attorney General in DC. Some residents will get some of the proceeds. First Meridian Mortgage Corporation

Title Companies Sued for Illegal KickbacksLink to article https://oag.dc.gov/release/attorney-general-schwalb-secures-over-32-millionHi, my name is Kevin Ret...

08/28/2024

When I get asked, Why work with a Mortgage Broker VS. retail I always have said we are faster, cheaper and provide more truth in lending dealing with a Mortgage Broker" like First Meridian Mortgage Corporation

Banks do not have to tell you how much money they are making a Mortgage Broker does.

Here is proof we are cheaper by Polygon research,Willow canyon advisors and UWM.

Independent proof that working with a Mortgage broker like First meridian Mortgage is Best or the consumer both conventional and VA.

08/23/2024

Here is the formula for a No Closing Cost Refinance. The fed has said today the time has come to lower rates in Sept. Are you ready and educated on No Closing Cost Refinance?

For a true explanation of a NO Closing Cost Refinance see my website https://firstmeridianmortgage.com/no-cost-refinancing/

or Youtube video https://youtu.be/8sb5lgvQF7Y?si=dy7yhNcI6fxuqjXE

Do not say you would like to bring nothing to the table or I do not want to pay anything. They will roll all cost and cashflow into the principal balance.

A true no cost refinance your balance should not increase. You should bring 1 payment and escrows to the closing table.You will skip a payment and get your escrows back.