Hayley Shams Mortgage Advisor NMLS #2307978

Hayley Shams Mortgage Advisor NMLS #2307978 Helping agents grow, helping homebuyers feel confident, and elevating the client experience together.

09/10/2024

As mortgage rates inch closer to 5%'s, buyers are regaining confidence to jump back into the market. A recent survey shows 42% of potential homebuyers would re-enter if rates hit 5%. However, many buyers are waiting for post-election stability before making their move. 🏘

Would you seize the opportunity now, or wait for better conditions?

Source: Housing Wire

When we count down tonight, we’ll stop at three. That’s because 3% is all you need for a down payment to get a home of y...
12/31/2023

When we count down tonight, we’ll stop at three. That’s because 3% is all you need for a down payment to get a home of your own! Let’s make 2024 your year for homeownership!

Tired of renting? Pay yourself instead of your landlord! DM me to learn more about your home purchase options.
12/30/2023

Tired of renting? Pay yourself instead of your landlord! DM me to learn more about your home purchase options.

Seller concessions can be used toward a temporary rate buydown to lower your interest rate at the beginning of your mort...
12/29/2023

Seller concessions can be used toward a temporary rate buydown to lower your interest rate at the beginning of your mortgage — this can get you a lower monthly payment. Sound good? Call me and I’ll tell you more!

If you prefer to pay property taxes and homeowners insurance on your own, you typically have to pay a fee. We can help e...
12/28/2023

If you prefer to pay property taxes and homeowners insurance on your own, you typically have to pay a fee. We can help eliminate that. Message us to see if you’re eligible to save up to thousands of dollars at closing with an escrow waiver.

Did you know borrowers save more than $9,400* over the life of a loan when they work with a broker vs. a bank or retail ...
12/27/2023

Did you know borrowers save more than $9,400* over the life of a loan when they work with a broker vs. a bank or retail lender? Let's work together.

Did you know that purchase season is not only limited to the summer? If you're thinking of buying a house, now is the pe...
11/01/2023

Did you know that purchase season is not only limited to the summer? If you're thinking of buying a house, now is the perfect time! Don't wait for the summer rush, take advantage of the benefits of buying a house now. Give us a call today to learn more about how purchasing a house in the off-season can benefit you. Don't miss out on this opportunity!

10/13/2023

Are you self-employed and worried about the homebuying process? Don't be! We're here to help and guide you through the options available to self-employed borrowers. Buying a home shouldn't be a hassle, and we understand the unique challenges you may face. Reach out to us today to learn more about your options and make your dream of homeownership a reality!

Are you dreaming of owning the perfect home, but worried about your less-than-perfect credit score? Look no further! An ...
10/12/2023

Are you dreaming of owning the perfect home, but worried about your less-than-perfect credit score? Look no further! An FHA loan could be the solution you've been searching for. With flexible credit requirements, it's a great option for those who may not qualify for a conventional mortgage. Reach out to us today and let's discuss how we can help make your homeownership dreams come true!

Address

Carlsbad, CA

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

Telephone

+17608227385

Website

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