Versie Church Mortgage

01/06/2025

What are your 2025 Ins and Outs? 👍👎

We're here to help you leave your bad money habits in 2024. Learn how to adopt a positive money mindset so you can set yourself up for financial success in 2025 and beyond. https://bit.ly/404Po6Y

04/23/2024

wanted to share this helpful information on credit scores :)

Get ready for homeownership with Readynest by MGIC. Tips, tools and stories to help you find your way home.

04/16/2024

If you are looking at becoming a homeowner in 2024, here are three tips to help you get closer to your goal:

Tip 1: Speak with a lender and get your budget

Speaking with a lender is going to ensure that you don’t waste your time.

Your lender is going to analyze your income/Assets and Employment history to determine if you qualify for a home and how much you qualify for

Tip 2: Work on your credit.

If you have any payments get caught up on your payments,
If you have any credit cards with high balances, try to pay them down as low as possible.
(30% or less for best results )

Tip 3: Start before you are ready

If you know that you want to purchase a home in the future, you want to get a game plan going as soon as possible so you know what you need to work on and in what timeline.

The gameplan will highlight your personal goals and things you need to work on so you can have enough time to work on those things

If this video was helpful like and share this video with someone you think it will help 🙂

Versie Church | NMLS #1962895
Dream House Lending
(661) 808-1304
[email protected]

02/01/2024

Here is how you can calculate your debt to income ratio

Your debt to income ratio How much money you own in comparison to how much money you make

Lenders use your debt to income ratio to determine if you qualify for a mortgage or not

We are supporting America's homeowners and renters while serving as a stabilizing force in the U.S. housing finance system.

11/10/2023

Navigating the mortgage process? Here are some crucial DOs & DON'Ts to make your journey smoother:

✅ DO Protect your credit score
✅ DO be mindful of your spending
✅ DO shop for the lowest home insurance policy
✅ DO have your new home inspected
✅ DO provide all of your documents in a timely manner

❌ DON'T make any large purchases throughout the loan process
❌ DON'T open any new lines of credit
❌ DON'T open or close any bank or stock accounts
❌ DON'T co sign for another loan
❌ DON'T deposit large sums of cash into your bank account

If you would like to apply for a Mortgage or schedule a free homebuyer Consultation:

Apply Now: https://2269316.my1003app.com/1962895/register

Schedule a Free Homebuyers Consultation: https://calendly.com/versiec/30min

10/12/2023

Here are the amount of seller concessions that can be given to the buyer when purchasing a home 🏡✨

10/05/2023

NEW UPDATE!!!

Effective November 18, 2023, borrowers eligible for conventional loans on 2-4 unit properties will have the option to make a minimum down payment of 5%, marking a significant positive change in the lending landscape. Previously, these borrowers were required to make a down payment of 15% for 2-unit properties and 25% for 3-4 unit properties.

This update brings several benefits to prospective homeowners and the housing market as a whole:

Improved Affordability: The reduced down payment requirement makes homeownership more accessible, particularly for first-time buyers and those with limited savings. This change can help a broader range of individuals and families enter the housing market.

Diversified Investment Opportunities: Investors interested in purchasing multi-unit properties will find it more attractive to do so with a lower initial investment, thereby potentially expanding rental property ownership and providing more housing options in the rental market.

Financial Security: Lower down payments may enable borrowers to keep more of their savings as a financial safety net for emergencies or future investments, promoting overall financial well-being.

Click the link in my Bio to schedule your free Homebuyers Consultation !

Versie Church
Dream House Lending
NMLS #1962895
[email protected]
(661) 808-1304

06/08/2023

Just wanted to share this article … Soon, student loan payments that were in deferment will now become due.

After a payment pause that has lasted more than three years, more than 40 million student loan borrowers will be on the hook for payments starting in late August. A new debt bill passed by Congress removed any hope that the Biden administration would extend the pause again if the Supreme Court strik...