Laura Payano - Motto Mortgage Pioneers - NMLS 2214927

Laura Payano - Motto Mortgage Pioneers - NMLS 2214927 As a mortgage loan originator, I work hard to shop and compare competitive home loan options.

Laura Payano
Loan Consultant NMLS # 2214927
Motto Mortgage Pioneers NMLS #1951412
Equal Housing Opportunity
Each office is independently owned, operated and licensed

02/21/2024

It’s no secret the homebuying market has changed. Our team is ready to help you crack the homeownership code with the right loan options for you and your situation. With our team by your side, you’ll be ready for the closing day handshake and your family’s cool new home handshake. Give us a call today to get started!

Amortization is the process of borrowers paying off their mortgage loan through regular monthly payments. Lenders divide...
02/20/2024

Amortization is the process of borrowers paying off their mortgage loan through regular monthly payments. Lenders divide mortgage payments into two buckets, principal and interest. Through amortization, borrowers start off paying mostly interest every month and gradually shift to paying mostly principal.

Questions about amortization? Message me for details. 💰

Happy Birthday to Honest Abe and George Washington! (He doesn't have a nickname that rolls off the tongue in quite the s...
02/19/2024

Happy Birthday to Honest Abe and George Washington! (He doesn't have a nickname that rolls off the tongue in quite the same way...) And hey, happy President's Day to the rest of us non-presidents, too! 🇺🇸

What if you could put more money in your pocket each month? If your home’s value has gone up, like many other homes acro...
02/16/2024

What if you could put more money in your pocket each month? If your home’s value has gone up, like many other homes across the country, you might be able to consolidate debt with a cash-out refinance. Feel free to reach out and we will see if this is a savvy move for you. 💰

The choice between renting and buying depends on the numbers to make an informed decision. A pre-qualification letter ca...
02/15/2024

The choice between renting and buying depends on the numbers to make an informed decision. A pre-qualification letter can help sort out the math and set you in the right direction.
Let's crunch the numbers together.

Bachelor pad or five-bedroom, family-friendly space? Either way, home really is where the heart is. Happy Valentine's Da...
02/14/2024

Bachelor pad or five-bedroom, family-friendly space? Either way, home really is where the heart is. Happy Valentine's Day to all the lovestruck homeseekers out there! 💘

Loan amount divided by appraisal amount = LTV% (Loan-to-Value). For a conventional loan, an LTV ratio of 80% or lower ma...
02/13/2024

Loan amount divided by appraisal amount = LTV% (Loan-to-Value). For a conventional loan, an LTV ratio of 80% or lower may look like a better credit risk to lenders.

Ignorance can be bliss, but not when it comes to your credit score.Your credit score is an important piece to the mortga...
02/12/2024

Ignorance can be bliss, but not when it comes to your credit score.

Your credit score is an important piece to the mortgage puzzle as lenders will use your credit score to judge your creditworthiness... i.e., how likely you are to pay back your home loan. 🧩

Want to know what home loan products you qualify for with your credit score? Let’s explore your mortgage options together.

Happy Chinese New Year! 🐉🎉 2024 is the Year of the Dragon, the fifth animal in the zodiac.Legend says the Jade Emperor h...
02/10/2024

Happy Chinese New Year! 🐉🎉 2024 is the Year of the Dragon, the fifth animal in the zodiac.

Legend says the Jade Emperor held a race to decide which animals would be honored in the zodiac. Of course, everyone thought Dragon had it in the bag. But en route to the race, he came across a village in drought. He stopped for a while to bring them rain, losing out on the grand prize. Talk about a gentle giant!

To learn more about the year of the dragon, visit https://chinesenewyear.net/zodiac/dragon/

Yup. It finally happened! Interest rates have gone down.💰🏡📉 You know what that means? A refinance might be able to save ...
02/09/2024

Yup. It finally happened! Interest rates have gone down.
💰🏡📉 You know what that means? A refinance might be able to save cash monthly AND pay less interest over the life of your home loan.

➡️ Sound good? Thought so. Message me so I can crunch your numbers. ⬅️

Mortgage Brokers specialize in 1 thing, mortgage loans. So, when you work with a loan originator like me, you're working...
02/07/2024

Mortgage Brokers specialize in 1 thing, mortgage loans. So, when you work with a loan originator like me, you're working with a specialist dedicated to getting you the home loan options to suit your financial situation. Message me today.

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Braselton, GA

Telephone

+13477805960

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