Emily Coulter - Senior Loan Officer at CrossCountry Mortgage

Emily Coulter - Senior Loan Officer at CrossCountry Mortgage Emily Coulter—Senior Loan Officer—CrossCountry Mortgage LLC
NMLS 1382261 Branch NMLS 1909529 Company NMLS 3029
www.nmlsconsumeraccess.org

✨ Closed in just 3 weeks! ✨From contract to closing, this home journey was smooth sailing—under contract on a Friday and...
11/12/2024

✨ Closed in just 3 weeks! ✨

From contract to closing, this home journey was smooth sailing—under contract on a Friday and keys in hand just three Fridays later, with zero bumps in the road! 🏠💼

I’m so thankful to be part of moments like these, working hard to make every buyer’s experience seamless and stress-free. Ready to make your dream home a reality? I’m here to help every step of the way! 💪🔑

👻 Don’t let fear haunt your dreams of homeownership! 🏠💭 Many people hold back from buying a home because of credit, down...
10/31/2024

👻 Don’t let fear haunt your dreams of homeownership! 🏠💭 Many people hold back from buying a home because of credit, down payment, or other worries, but these fears are often bigger than the reality 🕸️💀. Let’s face those fears together and see what’s truly possible for you! 🔍💸

Testimonial Tuesday 🏡🗝️
10/22/2024

Testimonial Tuesday 🏡🗝️

Join us for an open house this Sunday in the Spring Creek community of Zion Crossroads. I will be on-site for any lendin...
08/16/2024

Join us for an open house this Sunday in the Spring Creek community of Zion Crossroads. I will be on-site for any lending questions 🏡🤓

Home Features:
🛌 3 Bedrooms
🛁2.5 Bathrooms
📐2,047 Sqft
🚗2 car garage
🔨Built in 2022
💰470,000

Listed by: Candice Cox Homes in Central Virginia

🏡📋 Thinking about applying for a mortgage? Here are 4️⃣ essential tips to keep in mind for a smooth approval process:1️⃣...
05/23/2024

🏡📋 Thinking about applying for a mortgage? Here are 4️⃣ essential tips to keep in mind for a smooth approval process:

1️⃣ 🚫💳 Hold off on opening new accounts. Opening new credit accounts can lead to hard inquiries on your credit report, which can temporarily lower your credit score. This could affect your mortgage approval and interest rates.

2️⃣ 🚫🗑️ Hold off on closing old accounts. Even if you’re not using them, older credit accounts contribute positively to your credit history and utilization ratio. Closing them can reduce your overall available credit and increase your utilization rate, potentially lowering your credit score.

3️⃣ 📅💵 Pay all your bills on time. Timely payments are a significant factor in your credit score. Late or missed payments can have a negative impact, making you appear less reliable to lenders. Set reminders or automate payments to ensure consistency.

4️⃣ 🤔💼 Be wary of employment changes. Job stability is crucial when applying for a mortgage. Lenders prefer borrowers with a steady employment history. Changing jobs or switching to a less stable position can raise red flags and complicate the approval process.

Follow these tips, and you’ll be well on your way to securing your dream home! 🏠✨

Super excited for our “Back to School” Homebuyer Workshop coming up next month. Most of us weren’t taught “How to buy a ...
08/28/2023

Super excited for our “Back to School” Homebuyer Workshop coming up next month. Most of us weren’t taught “How to buy a home” although it would have been very helpful, especially in today’s market. So, we invite you to our class where we will give you everything you need to know. Our goal is to provide you with the knowledge and information to help navigate you through the homebuying journey. We will even feed you so come with an appetite.

Since this is an in-person event and there is limited seating, we please ask you to register: https://www.eventbrite.com/e/homebuyer-workshop-tickets-699959135617?aff=oddtdtcreator

Please feel free to share this post.

Joyce Washington, Realtor
Emily Coulter - Mortgage Banker at Atlantic Bay Mortgage Group

Are you tired of feeling left in the dark when it comes to real-world financial decisions like buying a home? It's true,...
08/17/2023

Are you tired of feeling left in the dark when it comes to real-world financial decisions like buying a home? It's true, they don't teach us this crucial information in school. But fear not! We're here to empower you with the knowledge and tools you need to navigate the exciting journey of purchasing your dream home.

Our Homebuyer Workshop is designed to bridge the gap between classroom education and real-life financial decisions. Learn about market trends, mortgage options, negotiation strategies, and much more from our team of experienced professionals. You'll walk away with the confidence and insights necessary to make informed decisions and achieve your homeownership dreams.

Limited seating so please reserve your spot today!

Register at: https://www.eventbrite.com/e/homebuyer-workshop-tickets-699959135617?aff=oddtdtcreator

We're honored to be nominated for the Best of C-VILLE 2023 "Mortgage Lender" Award and we couldn't have done it without ...
06/12/2023

We're honored to be nominated for the Best of C-VILLE 2023 "Mortgage Lender" Award and we couldn't have done it without you! 🥳To help us win, we need your vote!
1. Go to: vote.c-ville.com/services or scan the QR code.
2. Scroll down to find "Mortgage Lender."
3. Select "ATLANTIC BAY MORTGAGE GROUP." We're at the TOP of the list! 😀
4. Click VOTE!
5. After voting, you will be asked to fill out a simple form by entering your name, zip code, and email address. Voting ends Friday, June 30th. THANK YOU for your help!

While you're at it, don't forget to vote for all your favorite local services and businesses! 💙

If you’ve been following the news about loan level pricing adjustments (LLPAs) lately, there was a BIG development recen...
05/30/2023

If you’ve been following the news about loan level pricing adjustments (LLPAs) lately, there was a BIG development recently!

The Federal Housing Finance Agency (FHFA) announced that it will not charge new upfront LLPAs for Conventional borrowers whose debt-to-income (DTI) is at least 40%.

This is a major win as these fees were scheduled to go into effect this month but were delayed due to concerns from borrowers and mortgage professionals.

I’ve been following the FHFA’s updates on this topic and can explain LLPAs and how they work if you have any questions. I’m only a click or call away!

http://www.EmilyCoulterMortgage.com

This tax season, invest in the American Dream by using your tax refund to: - Pay down debt - Contribute to your down pa...
05/26/2023

This tax season, invest in the American Dream by using your tax refund to:
- Pay down debt
- Contribute to your down payment
- Purchase interest rate discount points

Learn more ways your refund can help you finance your dream home in the newest article from the Knowledge Center: https://www.atlanticbay.com/knowledge-center/tax-refund-new-home/

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Charlottesville, VA
22902

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