Ivette Bierly NMLS 202971

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Ivette Bierly NMLS 202971

All loans are subject to credit approval. | nmlsc

04/04/2025

3 FAQs About Our Renovation Loan Program 👇

What is a Renovation Loan?

A Renovation Loan is perfect for you if you want to upgrade your older home or fixer upper. It typically covers the cost of renovating, remodeling and installing new plumbing or electrical systems.

What Are the Benefits?

This is a great loan for borrowers who want to increase the value of their homes and save money on future heating and plumbing bills.

How Do I Apply?

There are multiple types of financing you may qualify for. Visit https://www.premiermtg.com/ivettehenaobierly/ to get in touch with me to see what type of financing would be best for your family!

NMLS #202971

04/02/2025

Down Payment Assistance programs help reduce the amount needed for a down payment through loans and grants! Typically, most DPA programs are for first-time homebuyers, which is anyone who has not owned and lived in their own home in the last three years.

There’s over 2,000 DPA programs nationwide and they tend to vary by your location since many state, county and city governments provide them.

DPA programs can help cover some or all of your down payment and closing costs, so it’s important to work with a local loan officer (like me!) who can walk you through your state’s specific options.

I can help you understand the DPA program options available to you and get you started on your path to homeownership. Get started today at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

04/01/2025

Gracias kedulceaz, delicious cake!!!

03/28/2025

If your preferred side of the internet is , I've got just the checklist to aid in your spring cleaning. 🫧🧽

Kitchen

+Trash expired foods

+Wipe down fridge interiors

+Dust top of fridge, wipe exterior and vacuum fridge coils

+Wipe down cabinets, counters, backsplash and windowsills

+Polish stainless-steel surfaces and sink/faucet

+Sweep/mop floor

+Scrub inside microwave

+Clean under range hood

Living Room

+Dust surfaces

+Sweep/mop floor/vacuum rugs, couches and chair cushions

+Wipe doors, baseboards and vents

+Wash windows and screens

Bathrooms

+Clean mirrors

+Scrub sink/faucet, toilet bowl and tub/shower

+Dust light fixtures

+Sweep/mop floors and wipe down baseboards

+Vacuum or launder rugs

+Wash and replace hand towels

+Refill toilet paper holder

+Empty bathroom trash can

Bedrooms

+Launder linens

+Vacuum and spot clean mattress, rugs, couches and chair cushions

+Sweep/mop/vacuum floor

+Wipe doors, baseboards and vents

+Organize dresser drawers and closet

+Declutter nightstands

+Box and donate unused clothing

+Wash windows and windowsills

+Dust blinds, ceiling and furniture

Outdoor

+Sweep garage floor

+Mow and edge lawn and pull weeds

+Replace mulch

+Sweep porch and patio

+Shake out doormats

+Pressure wash siding/driveway/decks

+Clean gutters

+Wipe front door

+Clean grill

+Clean pool/hot tub

If you’re stuck in a home that’s too big to clean or too small to organize, I can help. Explore financing for your dream home today at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

03/26/2025

Curious if a USDA loan might be right for you? 🏡

Backed by the U.S. Department of Agriculture's Rural Development program, the Single Family Housing Guaranteed Loan (a type of USDA Loan) helps low- and moderate-income families pursue homeownership in rural areas.

8 things you should know about USDA Loans:

1. A down payment is NOT required

2. The property must be in an eligible “rural” area

3. You can use the loan to buy, fix up or build

4. Applicants need low to moderate incomes to be eligible

5. The property has to become your primary residence

6. The property should be “modest, decent, safe and sanitary”

7. You don’t need to be a first-time homebuyer to apply

8. There is no maximum purchase price

Reach out today to find out if you might be eligible for a USDA loan at https://www.premiermtg.com/ivettehenaobierly/

I’d be happy to take a look at your unique scenario and find the best financing option for you!

NMLS #202971

*This is not a commitment to lend. Restrictions apply. All borrowers must qualify. All rights reserved. Some products may not be available in all states

03/24/2025

If you’ve been waiting for the right time to stop renting and buy a home, that time is now!

Why pay your landlord’s mortgage when your monthly rent payments could pay for your own home? We have the mortgage financing programs you need to make your move now.

Continuing to Rent ❌

+ Pay Monthly but Gain No Equity

+ Watch Your Rent Increase as the Value of Your Landlord's Property Rises

+ Lose Control of Your Budget and Cashflow as Rent Increases Yearly

+ Get No Mortgage Interest or Real Estate Deduction

+ Give up Privacy Due to Close Neighbors and an Intruding Landlord

+ Live by Your Landlord's Rules

+ Negotiate With Your Landlord to Make Even Minor Changes

Owning Your Home ✅

+ Build Equity With Every Monthly Payment

+ Watch Your Home's Value Increase With Time

+ Deduct Interest on Your Loan and Real Estate Taxes That May Also Be Deductible

+ Manage Your Budget With Fixed Monthly Payments

+ Enjoy the Privacy, Security and Stability of Homeownership

+ Live By Your Own Rules

FHA, VA and conventional financing, including first-time homebuyer programs, are available. I look forward to working with you to find the mortgage that is right for you!

Reach out today at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

03/21/2025

What you need to know to OPT OUT of Trigger Leads ⚠️

When you apply for a mortgage, your credit report is pulled from the three major credit bureaus: Equifax, Experian and TransUnion. Unfortunately, they may sell your information to third-party companies who send you unsolicited offers – a controversial practice called “trigger leads.” The good news is, you can opt out of these offers.

There are two options: You may opt out for five years or opt out permanently.

How to opt out for five years:

Call 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com.

How to opt out permanently:

Make your request at optoutprescreen.com – you will be provided a Permanent Opt-Out Election form that must be signed and returned. You’ll need to provide certain personal information that will be kept confidential and used only for the purposes of opting out.

Alternatively, you can send a written request to each credit bureau that includes your phone number, name, Social Security number and date of birth.

Experian
Consumer Opt-Out
P.O. Box 919
Allen, TX 75013
888.397.3742.

TransUnion
Opt Out Request
P.O. Box 505
Woodlyn, PA 19094
800.916.8800

Equifax
Opt Out
P.O. Box 740123
Atlanta, GA 30374
888.548.7878

As a Loan Officer, I take your privacy seriously and make every effort to ensure your information is secure. If you plan to apply for a mortgage any time in the future, I encourage you to opt out in advance so you can prevent the calls from coming in the first place!

Have more questions? Reach out to me today at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

03/19/2025

A question I see a lot: How do mortgage rates get determined? 🤔

You should know, mortgage rates are based on risk, but other factors also determine current rates. Your credit score plays a big role, but it’s not the only determiner.

The economy, down payment, loan amount and type, property type and location, length of loan and points (if any) also play key roles in deciding your loan eligibility. Banks post mortgage interest rates daily to generate new business leads, but I'm more interested in accurately assessing your true interest rate.

I’ll customize a quote for you based on your unique borrower profile with all factors that pertain to your specific financing needs.

Get started at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

03/17/2025

Happy St. Patrick's Day! I'm lucky to have friends and clients like you. 🍀

NMLS #202971

03/14/2025

Do you know the one thing I NEVER recommend to first-time homebuyers? ⚠️

Skipping a home inspection.

During the homebuying process, once you make an offer and it’s accepted, the standard practice is to schedule a home inspection before moving forward with the processing of your mortgage loan.

Home inspections can cost a few hundred dollars, so some might be tempted to skip it, especially with new construction homes.

However, I recommend you ALWAYS get an inspection, as it can reveal hidden problems, like issues with plumbing, insulation, the roof, septic tanks, sewers and electrical. More importantly, you’ll discover any safety concerns like mold, radon and carbon monoxide.

Knowing what potential troubles might come with the house can help you prepare for what maintenance you’ll need to have done or decide if you need to back out of the purchase.

Plus, it can even be used as a negotiating tool with the sellers as you can ask for repairs to be done before buying or request a price reduction or credit.

Overall, a home inspection is a way to protect yourself and your investment, and I highly recommend it.

If you’re looking to buy in 2025, I can help! Learn more about how I can assist you at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

03/12/2025

It’s no secret that interest rates spiked last year, and the days of two to three percent rates are no longer.

At the same time, your family might be outgrowing your current two-bedroom home, or you might be a long-time renter tired of sharing walls with noisy neighbors. The kids might have flown the nest and you don’t want to have to clean all that extra square footage you don’t need anymore.

Buying a home seems like the next right step in those scenarios, but you might be tempted to delay your home purchase because of interest rates.

The good news is that when you’re ready to pursue homeownership or move, higher interest rates don’t have to deter you. You have options, one of which is our Buydown Program.

Our Buydown Program for Conventional and FHA Fixed-Rate Mortgages allows for a temporary initial reduction to your rate for a certain amount of time at the beginning of the loan term. We offer 3/2/1, 2/1 or 1/1 buydowns to help you buy despite higher rates.

For example, let’s say your loan is locked at 6% and you qualify at the start rate of 6%. With a 3/2/1 buydown, the rate would be 3% for the first year, 4% for the second and 5% for the third. With a 2/1 buydown, the rate would be reduced for the first two years at 4% for the first year and 5% for the second year. A 1/1 allows for a reduced rate for the first year only.

Bottom line: You can still confidently make a home purchase and secure lower interest rates up front. Plus, when your buydown is up, you can choose to refinance if rates have lowered. Sounds like a win-win, right?

You don’t have to rely on fluctuating rates or experts telling you when the best time to buy is. You can go at your own pace and choose to buy when the time is right for you and your family.

Whether that time is now or next year, I’m here to walk you through every step. I’ll examine your unique financial situation and find the best financing available for you.

Ready to take the next step? Get started at https://www.premiermtg.com/ivettehenaobierly/

NMLS #202971

Address

2701 E Insight Way, Suite 150
Chandler, AZ
85286

Website

https://www.barrettfinancial.com/ibierly

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