Brett Kettler NMLS #1721046

Brett Kettler NMLS #1721046 Reach out to me for more information about qualifying for a purchase or refinance home loan!

Brett Kettler NMLS #1721046
Loan Consultant

For more information and our online Lightning Application please go to www.loandepot.com/bkettler

09/04/2019

The steps to purchase a home might seem complicated, but a majority of the transaction happens behind the scenes. It’s important to know how the machine works, but I would advise you to sit down with a trusted loan officer so they can guide you through your STEP 1.

08/24/2019

With interest rates being at near historical lows, refinances are booming right now. If you don’t know what it means to refinance hopefully this video can help break it down for you. It’s a great time to explore how you can 1) get rid of mortgage insurance 2) reduce your loan term 3) reduce your interest rate/monthly payment 4) debt consolidation.
If any of these benefits interest you, give me a call and let’s discuss how we can improve your financial situation.

08/14/2019

Our loanDepot Lifetime Guarantee is a great tool because not only do we waive our Processing AND Underwriting fees, but we also reimburse you for your appraisal at closing. This provides you as a borrower the flexibility and confidence to get into your dream home despite your timeline or credit situation.

03/11/2019

Talk about a tough task.. trying to fit all of the details about Adjustable Rate Mortgages in under a minute. If you still have questions, please reach out to me and I can explain them to you more in depth.
•
Don’t be afraid of ARMs as they can be great for mobile borrowers or borrowers that like to keep their options open.
•
Take advantage of the lower initial interest rates, and with loanDepot proprietary ARMs pay NO penalties when you refinance or sell. Did I forget to mention about loanDepot’s Lifetime Guarantee, which is if you fund your loan with us and we waive our lending fees and reimburse your appraisal cost on any future refinance down the road.
•
Contact me to learn more.

03/08/2019

In the 10th installment, we’re going over a what makes a Qualified Mortgage. Lets just say when 2008 happened there weren’t a lot of those entering the market. It’s important for me to make sure my clients are getting into a situation that they are comfortable with and can feel good about. That’s why it’s important to evaluate who you’re working with. Are they just being a salesperson.. or are they EDUCATING and ADVISING you on your best and available options? All it takes is a short conversation with me to evaluate and review your situation and ADVISE you on your best options.

03/05/2019

We’re going over a little history lesson today. “Fannie Mae” and “Freddie Mac” buy loans from lenders and either holds them in their portfolio or resells them to investors. This allows institutions to free up their cash supply to lend to more borrowers and allow more people the opportunity to become a homeowner. History is important because we can admire and double down on what we’ve done right, but also learn from our past mistakes. That’s why it’s vital that we as loan officers need to be more than just a person working in sales. We need to EDUCATE and ADVISE our clients so they can gain a better understanding of one of the biggest INVESTMENTS they’ll ever make. Remember... who you work with is VITAL to your financial future.

02/25/2019

Sometimes the truth can hurt but it’s necessary. In this graph I only mentioned $1,000 a month in rent. How many of you know someone paying close to that if not more for housing? Do they know there are low down payment financing options as low as 3%? It’s time to build some equity for YOU and not for your landlord. I can help guide you through the process.

02/22/2019

Today we’re going over how we calculate your Debt-To-Income Ratio or DTI. It’s the biggest determining factor in how much of a house you can qualify for. REMEMBER that we use your GROSS income (Before Taxes) to qualify you, so even though you may qualify for a certain home price, that doesn’t necessarily mean you can afford it or want to be locked into that payment. That’s why it’s vital to evaluate your personal budget and determine what fits your goals and lifestyle the best.
•
•
•
Interested in finding out how much of a house you qualify for? Call, text, email, Or DM me and I’ll help develop a personalized home buying plan for you.

02/18/2019

Today we’re going over Interest Rate vs Annual Percentage Rate (APR). Don’t be fooled by low “Teaser Rates” online. Those are based off best case scenarios of 800 credit scores and 20% down payment. Setting up a consultation with me, I can help determine what deal you can actually get and feel good about. Let’s talk!

02/15/2019

Realtors- if you have deals going into escrow and your clients need to hear this tag them below!
Too many times have transactions been disrupted by the purchase of a car, or application for new credit right before going into escrow and potentially ruining the transaction.
Take the headache and stress out of the situation by staying aware of the smoothest and easiest route to homeownership! If you have a question on what will or won’t affect you once you’re under contract, please reach out to me. It’d be my pleasure to GUIDE you through. 👌

02/11/2019

Mortgage insurance is applied to your payment when you put less than a 20% down payment on a house. Depending on which program you choose, mortgage insurance can fall off at 80% LTV with conventional or it can last for the life of the loan with FHA. Both programs have pros and cons, so it’s important to sit down with me and we can figure out which one is optimal for you!

Address

3512 Coffee Road Suite A
Bakersfield, CA
93308

Telephone

+16613012840

Website

Alerts

Be the first to know and let us send you an email when Brett Kettler NMLS #1721046 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Brett Kettler NMLS #1721046:

Shortcuts

Share

Category