Carly Ozuna - Executive Loan Officer at Rocket Mortgage

Carly Ozuna - Executive Loan Officer at Rocket Mortgage Carly Ozuna | Executive Loan Officer

NMLS #1232513

Rocket Mortgage, LLC
NMLS #3030
Equal Housing Lender
www.nmlsconsumeraccess.org

🥑🏡 Happy , everyone! Just like choosing the perfect avocado, picking out your dream home requires time, patience, and a...
08/31/2023

🥑🏡 Happy , everyone! Just like choosing the perfect avocado, picking out your dream home requires time, patience, and an expert eye.

When it comes to mortgage loans, I am here to ensure you don’t get a hard deal or an overly ripe one! I help you smash the process, so you’re left with nothing but a creamy, dreamy homeowner experience.

Here’s to good fats and great homes! 🎉

Before You Sign the Dotted LineDeciding to commit to a home loan is a monumental financial decision, one that requires c...
08/30/2023

Before You Sign the Dotted Line

Deciding to commit to a home loan is a monumental financial decision, one that requires careful consideration and due diligence. Here are some tips to ensure you’re adequately prepared before you sign the dotted line:

🗝 Understand Your Budget: It’s essential to have a clear understanding of your monthly income, expenses, and your overall financial health. Your monthly mortgage payment should comfortably fit within your budget without jeopardizing your ability to meet other financial obligations.

🗝 Check Your Credit Score: Your credit score will significantly influence the interest rate on your loan. Before applying for a mortgage, check your credit report for any errors and take steps to improve your score, if needed.

🗝 Get Pre-Approved: A pre-approval gives you a realistic idea of how much you can borrow and demonstrates to sellers that you’re a serious buyer. However, remember that pre-approval isn’t a guarantee of final approval.

🗝 Consider the Additional Costs: The mortgage isn’t the only cost involved in home ownership. Remember to factor in property taxes, insurance, HOA fees, and maintenance costs when determining your budget.

🗝 Understand the Loan Terms: Fully understand the terms of the loan, including the type of loan, the interest rate, whether the rate is fixed or adjustable, the term of the loan, and whether there are any penalties for early payment.

🗝Emergency Savings: It’s crucial to maintain an emergency fund. Unexpected expenses or changes in your financial situation can arise, and having a safety net can ensure you can still meet your mortgage payments.

Before you sign the dotted line and commit to a home loan, make sure you are thoroughly prepared and understand the long-term implications. Buying a home is not only a lifestyle decision but also a significant financial commitment that requires strategic planning and careful thought.

Am I financially capable of affording a home?Welcome to the Q & A extravaganza! 🎉 Today’s burning question: ‘Am I financ...
08/29/2023

Am I financially capable of affording a home?

Welcome to the Q & A extravaganza! 🎉 Today’s burning question: ‘Am I financially capable of affording a home?’ 🤔 Let me help break it down:

1. Budget: Assess your income, expenses, and savings to ensure you’re financially ready for the home-buying adventure! 📊💸
2. Credit: Keep an eye on that credit score – higher numbers can unlock better mortgage terms and interest rates! 🔓📈
3. Down Payment: Save up for a solid down payment, making homeownership more attainable and affordable! 🏡💰
4. Debt: Aim for a healthy debt-to-income ratio to demonstrate you can handle mortgage payments with ease. 🌟📉

Remember, knowledge is power – and you’ve got this! 💪

Think of getting pre-approved as “information gathering” rather than an overwhelming impending commitment. It’s the firs...
06/08/2023

Think of getting pre-approved as “information gathering” rather than an overwhelming impending commitment. It’s the first step to understanding your qualifications when purchasing a home. From here, we can take a deeper dive into your overall financial situation and put together a tailored game plan to set you up for success!

Is there a difference between an inspection and an appraisal? Yes, and this is why you need both.An appraisal is a third...
02/17/2023

Is there a difference between an inspection and an appraisal? Yes, and this is why you need both.

An appraisal is a third-party report written by a professional appraiser that is meant to inform you and your mortgage lender on the monetary value of the property you are looking at buying. Appraisals help make sure all parties in a real estate transaction get a current, accurate, and fair value for the property.

Inspections, on the other hand, are done by a home inspector to report on any issues that could spell trouble for the buyer down the road.

A home inspection can save you thousands of dollars in the long run, while an appraisal is almost always required if you are looking to secure financing from a mortgage lender. Having both will give you a more complete picture of the property.

Always, always factor in closing costs when looking at home pricing and affordability! The additional 2-6% in closing co...
02/15/2023

Always, always factor in closing costs when looking at home pricing and affordability!

The additional 2-6% in closing costs should never come as a surprise. You should be working with a lender who does their due diligence in thoroughly explaining these costs to you during the pre-approval process, once you’re in contract and before you’re getting ready to close!

Today’s vocab word: EquityEquity is ownership. When it comes to homeownership, equity refers to what proportion of your ...
02/09/2023

Today’s vocab word: Equity

Equity is ownership. When it comes to homeownership, equity refers to what proportion of your home you really own—meaning what proportion of the principal you’ve paid off. The more equity you’ve got, the more financial flexibility you’ve got, as you’ll refinance against whatever equity you’ve built.

So, for example… If you’ve got a $200,000 home, and you continue to owe $150,000 on it, you’ve got $50,000 in equity.

If it’s your first time buying a home, or you’re looking to start over, knowing the right questions to ask your lender w...
02/08/2023

If it’s your first time buying a home, or you’re looking to start over, knowing the right questions to ask your lender will put you ahead of the game.

Here are a couple of questions to keep in mind:

✔️Do you have an origination fee?

An origination fee provides additional profit for the lender beyond what’s built into the interest rate. A good follow-up question: What are all of your lender fees?

✔️What other costs will I pay at closing?

Fees charged by third parties, such as for an appraisal, a title search, property taxes, and other closing costs are paid at the loan signing. These costs will be detailed in your official Loan Estimate document and your almost-time-to-sign Closing Disclosure. But the sooner you know what they are, the better you can shop, compare — and prepare — for them.

Are you looking for a reputable mortgage specialist? I would be more than happy to help 😊

Did you know 36.6% of US households are renting… the largest percentage since 1965!While homeownership remains a goal fo...
02/08/2023

Did you know 36.6% of US households are renting… the largest percentage since 1965!

While homeownership remains a goal for many renters, landlords are at an advantage in a rental market with high demand. Higher demand means landlords can typically charge higher rental rates and be choosier about to whom they rent.

Don’t be a statistic, let me help you secure the mortgage loan you need to make your dream home a reality. Don’t rent, own!

I want to buy a house, but…❌ My credit is bad❌ My partner doesn’t❌ I don’t know where to start❌ I’m afraid of buyers rem...
02/06/2023

I want to buy a house, but…

❌ My credit is bad
❌ My partner doesn’t
❌ I don’t know where to start
❌ I’m afraid of buyers remorse
❌ I have no down payment
❌ I have no experience as a landlord

I’ve heard it all and more. There are many reasons to consider if buying a home is a smart move for you right now. 🤔 If you’re unsure and need some professional guidance, I’d be more than happy to help.

Leave your answer in the comments below and let’s get you on track to smarter investments. 👇👇

The word recession is enough to send chills down anyone’s spine, especially homeowners and homebuyers. What will happen ...
02/04/2023

The word recession is enough to send chills down anyone’s spine, especially homeowners and homebuyers. What will happen to the housing market? Will we see another housing crisis like 2008?

Fortunately, the answer is ‘no, we will not see another housing crisis.’ Here’s why.

🔸 Home Prices Remain High
If you’ve monitored the housing industry over the last couple of years, you know home prices are wildly inflated. That was due to the crazy high demand and much lower supply. It was a natural turn of events.

🔸 Supply is Still Low
A recession may cause lower demand for housing, which isn’t bad. Right now, demand still exceeds supply, keeping prices elevated. If demand falls, it will equal the supply or close to it, and even out the playing field.

🔸 It Would Still be a Good Market for Buyers
Today’s situation is different. The Fed normally floods the economy with money to stop the recession. This time, however, the recession is a good thing because it will stop the crazy inflation we’ve had last year.

Happy Groundhog Day! Punxsutawney Phil has spoken and we’re in for 6 more weeks of winter. I’m okay with that if we cont...
02/02/2023

Happy Groundhog Day! Punxsutawney Phil has spoken and we’re in for 6 more weeks of winter. I’m okay with that if we continue getting sunny days into October like we did this past year ☀️ What do you think?

Address

170 120th Avenue NE, Bldg E, Ste 200
Bellevue, WA
98005

Telephone

+14252184630

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