Hulbert Glenn - NMLS 373859

02/05/2024

🚨Mark your calendar for our free Homebuyer event - To Register, Click the link below.

https://sites.totalexpert.net/wcag-event-registration/jk-capital-presents-21913789

Doors open at 9 am for networking

01/28/2024

Awesome turnout today and exceptional financial literacy event designed specifically for our senior citizens. Thank you Paul Caldwell for your expertise and partnership and For the Struggle, Inc on the value you bring to the seniors in our community.

01/15/2024

Martin Luther King Jr. was a prominent civil rights leader and activist who played a crucial role in the African American civil rights movement in the 1950s and 1960s. He is best known for his nonviolent approach to protesting racial discrimination and segregation. His famous "I Have a Dream" speech, delivered during the 1963 March on Washington, called for an end to racism and equality for all.

MLK Day is not only a day to remember and honor Martin Luther King Jr.'s legacy but also a day to engage in community service and promote social change. Many people participate in volunteer activities, such as helping the less fortunate or participating in events that promote peace and unity. It is a time to reflect on the progress made in civil rights and to continue advocating for equality and justice for all.

01/10/2024

Servicing Your Referrals and Maintaining Good Customer Service

When serving a mortgage client during tough times, it's important to approach the situation with empathy, understanding, and a focus on finding solutions that work for both the client and the lender. Here are some steps you can take to support your mortgage client when they are facing difficulties:

1. Open Communication: Encourage open and honest communication with your client. Create a safe space for them to share their concerns and challenges related to their mortgage.

2. Understand Their Situation

3. Explore Options

4. Provide Information

5. Show Empathy

6. Be Flexible

7. Offer Support

8. Keep Records

9. Stay Informed

10. Follow Up

Remember that each client's situation is unique, and it's important to approach each case with sensitivity and a genuine desire to help. By taking these steps, you can provide valuable support to your mortgage clients during challenging times.

01/06/2024

Selling your home? Are you a move up buyer?

Move-up buyers need to carefully consider the affordability of a larger or more expensive home. They should assess their current financial situation, including their income, savings, and any potential changes in expenses. Calculating the new monthly mortgage payment, property taxes, and other housing-related costs is essential to ensure that the new home is affordable.

Lifestyle and needs: Move-up buyers should evaluate their current lifestyle and future needs when considering a new home. They should think about factors such as the size of the home, the number of bedrooms and bathrooms, the neighborhood, school districts, and any other amenities or features that are important to them. It's essential to consider how the new home will accommodate their family's current and future needs.

01/05/2024

The number one thing to consider as a first-time homebuyer is your financial readiness.

1. Budget: Determine how much you can afford to spend on a home by analyzing your income, expenses, and savings. Consider not just the mortgage payment but also other costs like property taxes, insurance, maintenance, and utilities.

01/03/2024

The Impact of Credit Scores on Interest Rates:

While it is widely known that credit scores play a crucial role in mortgage approval, their impact on interest rates is often overlooked. A study conducted by the Consumer Financial Protection Bureau found that borrowers with lower credit scores tend to pay higher interest rates. For every 20-point decrease in the credit score, borrowers could face an interest rate increase of approximately 0.125%. This highlights the importance of maintaining a good credit score to secure more favorable mortgage terms.

01/02/2024

The Rise of Remote Mortgage Closings:

In recent years, the mortgage industry has experienced a significant shift towards remote closings. According to a report by the Mortgage Bankers Association, the number of digital mortgage closings increased by a staggering 544%. This surge in remote closings not only provides convenience for borrowers but also improves efficiency and reduces paperwork.

10/02/2023

Figuring out your debt-to-income ratio today can help you get approved for a mortgage.

There's a lot that goes into the home buying process, especially if you're a first-time home buyer.

One criteria mortgage lenders use to assess your mortgage application is the debt-to-income ratio (DTI).

09/02/2023

Register Today

https://sites.totalexpert.net/wcag-event-registration/home-buyer-workshop---part-ii---self-employed-21913789

09/02/2023

Register Today

https://sites.totalexpert.net/wcag-event-registration/home-buyer-workshop---part-ii---self-employed-21913789

If you missed the first Session, Here’s a second chance to attend. Register for Part II of our Self-Employment Mortgage Workshop.

https://sites.totalexpert.net/wcag-event-registration/home-buyer-workshop---part-ii---self-employed-21913789

373859