Harry Bennett Jr. - NMLS #1973490

Harry Bennett Jr. - NMLS #1973490 I'm a loan originator with EquityReach Mortgage Solutions a division of Golden Empire Mortgage, Inc. NMLS # 2427. Equal Housing Lender.
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Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. EquityReach Mortgage Solutions has revolutionized the lending industry by combining cutting-edge technology, innovative loan programs and exceptional customer service, thus creating a personal and unique experience for our valued clients. From start to finish, our dedicated team

of experts deliver the ultimate experience of professionalism, efficiency and results. Full-service mortgage banking company with the flexibility, innovation, and personal touch of a local mortgage brokerage
In-house processing, underwriting, and funding with a commitment to excellent customer service
Team of highly dedicated professionals committed to providing superior loan programs, competitive pricing, and exceptional personalized service
Fully accountable to our clients’ best interest, with an unprecedented guarantee of complete satisfaction
The number one source for all your lending needs…
The widest variety of residential purchase money loans for first-time home buyers and investors
Home improvement, construction, and lot loans
Government, conventional, and jumbo loan programs
FHA, VA, USDA and CalSTRS special loan programs
Commercial, apartment, and private money loans
Second mortgages, and home equity lines of credit
Reverse mortgages that create monthly income for retired borrowers
Comprehensive equity wealth management strategies
Innovative and creative loan programs include…
No money down purchase loans without mortgage insurance
Interest only loans
40 year amortized loans
Reverse mortgages
No income and asset verification private money loans
One day out of bankruptcy and currently in foreclosure private money loans
No FICO score private money loans

🚨 If you are a realtor or know a realtor who wants to help 1st time home buyers - they must know about these AMAZING pro...
05/30/2023

🚨 If you are a realtor or know a realtor who wants to help 1st time home buyers - they must know about these AMAZING programs! This helped our client save THOUSANDS of dollars cash to close 🥳😁

It is an absolute privilege helping 1st time home buyers in today's market 🙌 this home 🏡 was the perfect fit for our clients. We were able to get the downpayment, cash to close and most importantly the monthly payment to fit thier budget utilizing today's 1st time buyer programs 😁

If you or someone you know could benefit from a no obligation consultation with me to uncover what programs they could qualify for please message me, it would be an honor to help you.

🚚📦 Moving day! 😁I am so honored to help these families get the right type of financing with the monthly payment that mak...
05/16/2023

🚚📦 Moving day! 😁
I am so honored to help these families get the right type of financing with the monthly payment that makes sense for them. It's an amazing feeling when you make this kind of a difference🥳 Great job to Seth Peek & Karen Freasier Peek who represented BOTH families on their purchases! Without saying too much 😉 thier closing costs were much less than expected! If you or someone you know has questions on buying/selling and just looking for some answers, I can help!

🥳 🥳 so happy for our clients - absolutely love working with 1st time home buyers. If you or someone you know has questio...
05/12/2023

🥳 🥳 so happy for our clients - absolutely love working with 1st time home buyers. If you or someone you know has questions on getting started or what loan programs are available, I'm here to help!

03/29/2023

Are you a first time home buyer? 🏡 There is a unique down payment assistance program that just came out from CalHFA called Dreams For All. Limited funds available 👀
Schedule a complimentary consultation with me for more information and to see if this program would be a good fit for your situation.

Direct 📞 805.459.7601 call or text

Thinking about canceling your mortgage insurance? Did you know that you may be able to do so based on your property's cu...
01/05/2023

Thinking about canceling your mortgage insurance? Did you know that you may be able to do so based on your property's current value? Make sure to check with your lender and keep an eye on your equity - having a good payment history and at least 20-25% equity in your home can also help your case. Don't forget, your lender may have additional requirements, so make sure to get all the details before making any decisions.

Did you know that you're entitled to a free credit report every year? And right now, through December 2023, you can even...
01/04/2023

Did you know that you're entitled to a free credit report every year? And right now, through December 2023, you can even get a free credit report each week from each of the three credit bureaus at AnnualCreditReport.com. Plus, everyone in the U.S. can get six free credit reports per year from Equifax through 2026 by visiting AnnualCreditReport.com – in addition to the one free Equifax report that you can get annually at AnnualCreditReport.com.

Only one website – AnnualCreditReport.com – is authorized to fill orders for these free annual credit reports, so make sure to use it to stay on top of your credit information. Keeping an eye on your credit report can help you catch errors or mistakes that may be affecting your credit score, and give you the chance to fix them. Plus, knowing your credit score and history can help you make more informed financial decisions.

5 factors that can affect your mortgage rate:Credit score: Your credit score is a measure of your creditworthiness, and ...
01/04/2023

5 factors that can affect your mortgage rate:

Credit score: Your credit score is a measure of your creditworthiness, and it plays a big role in determining your mortgage rate. Lenders view borrowers with higher credit scores as less risky, so they may be able to qualify for lower mortgage rates.

Property type: The type of property you are looking to buy can also impact your mortgage rate. For example, rates for single-family homes may be lower than rates for multifamily properties or vacation homes.

Occupancy: The purpose of the property will also be a factor in determining your mortgage rate. Rates for owner-occupied homes are usually lower than rates for investment properties.

Down payment: The size of your down payment can also impact your mortgage rate. Borrowers who make a larger down payment may be able to secure a lower rate, as this reduces the overall amount of the loan and the risk for the lender.

Loan term: The length of your mortgage can also affect your interest rate. Short-term loans, such as 15-year mortgages, generally have lower rates than longer-term loans, like 30-year mortgages.
Understanding these factors can help you make informed decisions when shopping for a mortgage and potentially secure a lower rate.

Are you a realtor? Feel free to share this post or copy and make your own spin on it :) for more, follow me

Realtors: If you are looking for ideas on content - reuse this post and make your own spin on it :)Top 5 considerations ...
01/03/2023

Realtors: If you are looking for ideas on content - reuse this post and make your own spin on it :)

Top 5 considerations before you buy a home 🏡

Buying a home is a significant financial decision that requires careful consideration. Here are the top five things to think about before making a purchase:
1. Budget: 💰It's important to have a clear understanding of how much you can afford to spend on a home. Consider all of your monthly expenses and make sure that you will be able to make your mortgage payments comfortably. You should also factor in the cost of property taxes, insurance, and any necessary repairs or renovations.
2. Location: 🏝The location of the home will have a big impact on its value and your enjoyment of it. Consider factors such as the safety of the neighborhood, the quality of the schools, and the proximity to amenities like shopping and public transportation.
3. Size and layout: 🏘Think about the size of the home and the layout of the rooms. Is it big enough to meet your current and future needs? Do the bedrooms and bathrooms meet your family's needs? Is the kitchen layout conducive to your cooking and entertaining habits?
4. Condition: 🔨Consider the overall condition of the home. Are there any major repairs or renovations that need to be made? Will you be able to make these changes within your budget? It's important to have a realistic understanding of the work that needs to be done so you can factor it into your decision.
5. Future plans: 👨‍👩‍👦Finally, think about your future plans. Are you planning to stay in the home for a long time or do you think you'll need to move within the next few years? If you're planning to stay for a while, it's important to choose a home that will meet your needs for the long term. If you think you'll need to move sooner, it's important to choose a home that will be easy to sell.

😫Struggling on content ideas to post? 👀Take these tips here and call it “top 10 things to avoid when obtaining a home lo...
01/01/2023

😫Struggling on content ideas to post? 👀Take these tips here and call it “top 10 things to avoid when obtaining a home loan” or cut the list down to “top 5 things to avoid when buying a home” copy and put your own spin on it. Shoot a quick video to get higher engagement with potential homebuyers 😎 If this is helpful, please like/share/tag and connect with me.

Connect with me on all platforms 😃
https://poplme.co/CFEyS9WJ

🚨Don't buy any big-ticket items, such as a car, boat, or expensive furniture. These purchases could affect your debt-to-income ratio and may cause your lender to reevaluate your loan.

🚨 Don't quit or switch your job during this time. A change in employment could affect your ability to secure the loan.

🚨 Don't open or close any lines of credit. This could also impact your debt-to-income ratio and may cause your lender to reevaluate your loan.

🚨 Make sure to pay all of your bills on time. Late payments could hurt your credit score and make it more difficult to secure the loan.

🚨 If you are working with a lender or broker, make sure to answer any questions they have in a timely manner. Ignoring their inquiries could delay the loan process.

🚨 Be careful about letting anyone run a credit check on you. Multiple credit checks can lower your credit score and may make it more difficult to secure the loan.

🚨 Avoid making large deposits to your accounts outside of your paycheck. These deposits could be flagged as suspicious and may cause your lender to reevaluate your loan.

🚨 Don't cosign a loan with anyone during this time. This could affect your debt-to-income ratio and make it more difficult to secure the loan.

🚨 Don't change bank accounts. This could cause delays in the loan process and may make it more difficult to verify your financial information.

🚨 Avoid taking out any payday loans. These high-interest loans could affect your debt-to-income ratio and may make it more difficult to secure the loan.

👉 By following these tips, you can help ensure a smooth and successful loan closing process.

11/29/2022

Special program for participating counties

Address

567 Camino Mercado Suite C
Arroyo Grande, CA
93420

Opening Hours

7am - 5:30pm

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