Brit Ickes Mortgage Loan Originator NMLS# 2154970

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Carlisle, PA
Brit Ickes Mortgage Loan Originator NMLS# 2154970

Brit Ickes Mortgage Team is Central Pennsylvania's premiere 1 on 1 experienced lender

Brit Ickes Mortgage Team provides you the direction needed in today’s current market to find the best mortgage for you. As lending guidelines continue to change, Brit's team researches loan options and guidelines to help direct you to the best mortgage for your situation. The team works with your accountant and attorney to look at your financial picture in its entirety to determine the best mortga

ge to meet your needs. Your mortgage should be a tool to help you be in the best financial position possible. By working with Brit Ickes Mortgage Team, you are working with licensed mortgage professionals who are educated and keep up to date on current mortgage regulations. Each member of Brit's Team has passed the National Mortgage Licensing tests and participates in continuing education every year to maintain relevant licenses. We understand that finding your dream home and deciding on financing can be overwhelming. Brit Ickes Mortgage Team is here to make the process less stressful and progress smoothly. When you are ready to explore your mortgage options, whether you are purchasing your first home or second, refinancing your current home, or building your dream home, Brit's Team can help.

09/28/2023

Government Shutdown!
It seems like these government shutdowns are all to common in these last couple of years! So what does this mean for you and your mortgage process?

Depending on your loan type this could have dirastic effects. Government loans will be most affected during times like this. VA eligibility docs and other required docs are harder to get during times like this. CAIVRS which is a credit reporting software is also a bit harder than normal to verify during these times.

For all loans the Social Security Number matching softwares also tend to not function very well during government shutdowns.

Why you might ask? Well a government shutdown occurs often times when a budget is left in limbo for too long. When this happens many government employees are left unpaid and or furloughed. This causes disruption in credit verification, social security verification and document preparation.

Are you worried about the shutdown? Don’t be! Let’s talk about it and how it might affect your mortgage process!

09/19/2023

Business credit vs. personal credit

In the qualified mortgage process, we often see clients come to us trying to use business credit to qualify for loans. Qualified mortgages rely on the use of your personal credit reports. Business income with a 2-year history can be used for income qualifications in some cases. In this case, the loan is attached to the business owner's personal credit and not his or her LLC’s credit.

Questions about credit or your situation? Feel free to reach out!

06/21/2023

We’re in Gettysburg today meeting with agents and potential clients! Feel free to reach out and we can discuss your future as a homeowner!

04/29/2023

Our website is up and running and optimized for mobile use! Stay tuned for big things to come utilizing this! Go to www.britickes.com and shoot us a dm what you think!

04/28/2023

Happy to help a friend and his fiancé today in the purchase of their first home! Congratulations 🎉 it was a pleasure working! Also big thanks to Christine of of Gettysburg!

Have any questions about the purchase of your first home feel free to reach out!

03/09/2023

It’s credit education month!

Credit is very important! It can often be the decider in the home buying process!

Reach out if you have any questions.

02/21/2023

Let’s talk Home Inspections!

A lot of the time when your in an intense bidding war, a home inspection can be the difference! So do you really need a home inspection?

Well, truth be told a home inspection is a very in depth appraisal. The appraisals will catch your homes big problems all the way from a bad roof, bad siding, settlement and foundation issues, to peeling paint. In fact when certain things are called out by an appraiser that may greatly affect value, the deal can be halted until further evaluations of problems are completed.

A home inspection goes much deeper and looks at the outlets the appliances, plumbing and much more. A home inspection adds another layer of protection between you and the seller and if one comes back unfavorably… you can terminate the deal.

So if your in a bidding war, it might be a good option if your truly attached to the home, to drop the home inspection. The appraisal will pick up the glaring problems as it may effect the homes value. You can comfortably know that often times the glaring issues will be spotted and evaluated in the appraisal report.

Any questions? Feel free to shoot us a DM or give me a call!

02/11/2023

This month Is Findings February! We will be going over everything that has to do with the inspections that are required and or are optional when buying your home!

Today we will be reviewing the types of inspections required for VA, FHA, Conventional, and USDA loan types!

VA Inspections:
▶️Pest
▶️Water Test

FHA:
▶️Location based Water Test

USDA:
▶️Water Test

Conventional:
▶️No Inspections “Required”

Any questions please feel free to reach out!

01/24/2023

Just Getting Started January

We always get asked, how can I know personally, when I’m ready and when it’s time to start conversing with a mortgage lender! Here’s 3 questions to ask yourself!

1. Is my total monthly debts (bills) divided by my monthly income less than 45% (Conventional) or less than 54% (FHA)?

2. Have I been working for atleast a year (W2) or atleast two years (Self Employed)?

3. Is my credit score in good standing (no liens/judgements, no severe delinquencies/defaults) and is it above 580 (FHA) or 620 (Conventional)?

These are the big 3 for most situations! If the answer to all of these questions is yes, then you may qualify for a preapproval dependening upon a number of other factors, primarily access to funds for a down payment!

Any questions? Feel free to give us a call at 717-462-0360 and we can see exactly what your situation is!

01/17/2023

Today for “Just Getting Started January” let’s go over how to get started and preapproved as a business owner and or tip based employee!

Step 1. Generally as a business owner we recommend on trying to get a head start on the preapproval process because it often involves much more digging than a normal salary/hourly based wage. The best way to prepare is to reach out a little before you believe that you will be ready to qualify. Extra rules apply for business and tip based incomes most importantly a minimum of 2 years history for all income related documents requested.

Step 2. Gather and submit all necessary documents 2 years personal tax returns, 2 years of all bussiness related tax forms (schedules K-1, 1120s, etc), 2 years profit loss statements, drivers license photo, and 6 months bank statements.For tip based employees two year W2, two months bank statement, and drivers license will suffice.

Step 3. After you have submitted all necessary documents then your income will be most likely determined by an average of your two most recent years of business and or tip based incomes.

Hope this helps! Feel free to reach out with any questions!

01/05/2023

Ringing into the new year starts with January! Happy new year! Often industry resources get asked how do I get started! Let’s go through the 3 steps of getting started in the home buying process!

1. Gather your documents!
- To start you will need to gather some documents to make your process smoother fro start to finish. Common documents needed are pictures of a drivers license, 2 years W2, 2 months bank statements, 2 most recent pay stubs!

2. Talk to a mortgage loan originator first!
-Often times people think that the process is started with a realtor. The home buying process starts with a mortgage loan originator as they are the key to make the realtors start searching. Most realtors won’t even assist your search without a preapproval!

3. Bring your preapproval to your realtor!
-After talking to a mortgage loan originator bring your preapproval to a realtor in the area that your looking. These realtors will know the area best and will be the best assistance to you. Talk with them about the areas your interested in and what’s important to you, maybe a pool or close to a school or a police station… Whatever it is they are your resource!

Hope this helps! Give us a call if your just getting started!

Address

20 N Hanover Street , Suite 201
Carlisle, PA
17013

Website

http://www.britickes.com/

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