The Icard Lending Group - NMLS 1200671

05/30/2023

https://youtu.be/I1XZJoqH5hM

Super cute video local realtor's Cam Griffin and Talia Soifer put together with a guest appearance by my beautiful wife Brenna and dog Poppy near the end of the video! Check it out and support your local businesses! Happy Tuesday.

Cameron and Talia meet with Kirsten (owner NW Dog) and Mekinsey (owner Eleven Paws Photography) to discuss ALL THINGS PUPPIES. (If you know Talia, you know t...

05/26/2023

Maintaining a low debt-to-income ratio is crucial when applying for a mortgage due to its significant impact on your financial health and loan approval chances. Use this cheat sheet as a quick way to reference what your ratio would be depending on your household income and your total monthly debts.

Read more on our blog at mitchicard.homeseedloans.com/blog

05/22/2023

Such a cute house and great price/location! I love this neighborhood. Julie Bray-Larsen

For sale: 2 bed, 2 bath, 1,134 SQFT house. Charming 2 bedroom 1... $505,000.

05/19/2023

Apply with Homeseed today and ask us about our Cash Committed Closing program. You can submit a stronger offer to sellers where we'll guarantee you close on time or we'll issue them $10,000 in cash!

Read more on our blog at mitchicard.homeseedloans.com/blog

05/11/2023

Homeseed's Buy Before You Sell program allows homeowners to purchase a new home before selling their departing residence. Some benefits include:
✅ Makes the buyer's offer stronger by removing the pending sale contingency
✅ Guaranteed offer price allows buyer to exclude current mortgage liability from DTI when qualifying for the new purchase
✅ More time for the buyer to prepare their home for the market and get its full value
✅ Buyer can use equity in the current home as a down payment on the new purchase or to make repairs on departing residence

Read more on our blog: mitchicard.homeseedloans.com/blog

05/04/2023

Recent data shows that 76% of homeowners have at least $100,000 of equity in their homes. Homeseed offers various loan products to provide an opportunity to tap into that equity so you can consolidate debt to improve monthly cash flow, start home renovations, or fund other financial investments. Two common loan products used to tap into your home equity are cash-out refinances and HELOCs. While both options can provide access to the home’s equity, your unique situation will determine which product is best for you. Contact us today to learn more!

Check out our blog to learn more: mitchicard.homeseedloans.com/blog

04/28/2023

Maintaining a high credit score is crucial when applying for a mortgage because lenders use credit scores to evaluate a borrower's ability to repay the loan. A high credit score can improve a borrower's chances of being approved for a mortgage, as well as securing a lower interest rate and more favorable loan terms. To learn more about how to maintain or improve your credit score, check out our blog post in the link below!

🔗 mitchicard.homeseedloans.com/blog

04/27/2023

Nice weather has me excited to drop the boat early this year. Toying with the idea of hosting a weekly Industry Night doing some light fishing and real estate tours/viewing from the water this summer if there are enough real estate industry folks interested... Shoot me a message and let me know your thoughts!

04/27/2023

Friend of mine in the IT department made this for me. Not sure what he was implying...

04/13/2023

Becoming a real estate investor can be a wise financial decision for homeowners looking to build long-term wealth. With the investor cash flow (DSCR) loan program that Homeseed offers, it has become easier than ever to finance investment properties. Our DSCR loan program does not require you to qualify personal debt or income, and it simply looks at the property’s cash flow to decide on its approval. Real estate has historically proven to be a stable and profitable investment, and DSCR loan programs make it accessible to clients interested in becoming investors.

Check out our blog for more details: mitchicard.homeseedloans.com/blog

04/11/2023

Mortgage rates were on a downward trend throughtout 2022 Q4 as inflation numbers on the Consumer Price Index (CPI) report were falling in consecutive months, and this trend continued into January. However, rates began to quickly rise again at the beginning of February after strong labor market data was released. Generally speaking, stronger economic data and higher inflation will lead to higher mortgage rates. Then the collapse of Silicon Valley Bank in early March was perhaps the first major indicator that the Fed rate hikes were beginning to show their effects at slowing the economy down and bringing inflation down. Looking forward, we expect to see inflation come down significantly in the next few months as the shelter component makes up nearly 34% of the CPI reading and has historically lagged home and rental price changes by four quarters.