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Rick Altemeyer - Branch Manager - NMLS 224751

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United States
Cape Coral, FL
Rick Altemeyer - Branch Manager - NMLS 224751

So excited to be part of the Nexa Team!I Love First time Home Buyers, Million Dollar Second homes, and Commercial! Hiring Loan Officers across Florida also.

Call me at 239-980-7883 so I can fit the best program for your needs.

01/15/2024

Remembering Martin Luther King Jr.'s vision and continuing to be guided by his dream of unity and justice. 🌟✊

01/12/2024

Building credit is a gradual process, and establishing good financial habits early on can set you up for a positive credit history in the future.

01/10/2024

𝐐: How does interest affect my mortgage?

𝐀: Your monthly loan payment will have two main components: the principal – or dollar amount you’ve borrowed – and the accrued interest. Higher rates will mean higher monthly payments and more interest paid over the life span of your loan. While you can’t control or change rates, you can adjust the terms of your mortgage to make your interest payments better suited for your individual situation.

01/08/2024

1. A mortgage broker will save you time
I will look at all the deals available to you meaning you won’t have to trawl the internet or ring a variety of lenders
2. A mortgage broker should save you money
I have access to thousands of mortgage products from multiple lenders to recommend the most appropriate deal for you. Some of the deals may not be available on the market.
3. A mortgage broker understands lender criteria
A good mortgage broker deals with different lenders on a day-to-day basis. They understand which lenders are more likely to accept applicants like you and what information they need to see in order to improve your chances of your application being accepted.
4. A mortgage broker puts you in control
A mortgage broker is a trained professional who understands the mortgage market and how it works. I can explain every step of the process to you and help you feel in control of what is happening.
5. A mortgage broker is by your side until completion
A good mortgage broker will liaise between you and the lender, the lender and the estate agent, and the solicitor and the estate agent. I can help push the process along and to make everything much smoother.

01/05/2024

Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

These loans are for larger amounts, often used for high-priced or luxury properties. Because they surpass the conforming limits, they pose a higher risk to lenders and typically have stricter requirements for qualification.

These loans often demand a higher credit score, lower debt-to-income ratio, and a larger down payment compared to conventional loans. They can provide financing options for those seeking homes beyond standard loan limits.

01/03/2024

The one sure way to make sure your housing expenses won’t change dramatically year-to-year is to be your landlord! 🏠

Forget rising rents and learn what it will take to be a homebuyer

01/01/2024

Cheers to a fresh start and endless possibilities in the new year! 🎉✨

12/29/2023

Understanding the Preapproval Process in Real Estate

Are you dreaming of owning your own home? Well, I've got some fantastic news to help make that dream a reality!🏡

Let's dive into the wonderful world of preapproval in the real estate market.

🎟️What is Preapproval?

Preapproval is like a golden ticket to homeownership! It's a process where a mortgage lender reviews your financial situation to determine the loan amount you qualify for. It's an important step before house hunting, and it shows sellers you're serious and financially ready.

💡Why is Preapproval Important?

Here are a few key benefits of getting preapproved:

✔️Clarity: Preapproval gives you a clear understanding of your budget and what you can afford. No more guessing games when it comes to house hunting!

✔️Competitive Edge: When you find your dream home, having a preapproval letter puts you ahead of other buyers. Sellers love seeing a preapproved buyer because it shows you're ready to make a solid offer.

✔️Faster Process: Preapproval saves time in the long run. Once you find your dream home, you'll be ready to move forward quickly with confidence.

📝How to Get Pre-approved?

The process is simpler than you might think! Follow these steps:

✔️Gather Documents: Prepare financial documents like pay stubs, tax returns, bank statements, and identification.

✔️Research Lenders: Compare mortgage lenders to find one that suits your needs. Look for competitive rates and excellent customer service.

✔️Submit Application: Complete the preapproval application, providing accurate information about your income, assets, and debts.

✔️Review and Approval: The lender will review your application, credit history, and financial situation. They'll determine the loan amount you qualify for and provide a preapproval letter.

And that's it! You're now preapproved and ready to embark on your home-buying journey. 🙌

Remember, preapproval is a powerful tool that sets you up for success in the real estate market. So, start gathering those documents and take the first step towards your dream home today! 🌟

Call me - I am happy to help set you up for success!

12/27/2023

Ready to Move? Let Me Guide You Through the Mortgage Process! 🏡💡

12/25/2023

May your Christmas sparkle with moments of love, laughter, and goodwill. Wishing you all the joy this season brings! 🎄✨

12/22/2023

💥 How will your mortgage rate be determined? 💭
🧐 Great question…
✅️ Your mortgage rate is important because it will affect how much you pay throughout the length of the loan.
💥 However, the Annual Percentage Rate (APR) is also important. The APR reflects the mortgage rate, points, lender fees, and other charges you will pay with your loan.
🚨 The APR helps you compare rates and loan terms being offered by different lenders.
💥 Landing the best mortgage rate and APR possible has a lot to do with your specific circumstances. Some of the most important factors that determine your mortgage rate are your credit score, debt-to-income ratio, and the amount of money you have for your down payment.
✅️ The better your financial situation, the lower the risk you pose as a borrower.
💥 For more mortgage questions, I am here to help!

12/20/2023

Here are a few tips to help make your home-buying process smooth and stress-free!

Start by setting a budget and getting pre-approved for a mortgage. Research different neighborhoods and prioritize your needs. Don't forget about additional costs like closing fees. Work with a trusted real estate agent and lender who understands your requirements. Remember, it's a big step, but with proper planning, your dream home is within reach!

Address

Cape Coral, FL
33991

Telephone

+12399807883

Website

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