AJ Slone - Mortgage Broker with East Coast Mortgage NMLS #1131430

AJ Slone - Mortgage Broker with East Coast Mortgage NMLS #1131430 Need help and guidance with buying a home give me a call for all your financing needs 757.839.4966

01/28/2026

Renting fills your landlord's pocket, but buying turns your monthly payment into an investment for your future! Ready to invest in yourself? DM me!

It's the perfect time to explore how refinancing could lower your monthly payments and save you thousands over the life ...
01/28/2026

It's the perfect time to explore how refinancing could lower your monthly payments and save you thousands over the life of your loan. Contact me today for a free, no-obligation rate check!

Happy Thanksgiving to Everyone!!
11/27/2025

Happy Thanksgiving to Everyone!!

There are many benefits to both FHA and conventional loan options! Give me a ring to get an assessment of which would wo...
11/25/2025

There are many benefits to both FHA and conventional loan options! Give me a ring to get an assessment of which would work best for your unique needs and financial situation!

Purchasing your first home can feel like an intimidating experience, but not with me in your corner! Let me help guide y...
11/24/2025

Purchasing your first home can feel like an intimidating experience, but not with me in your corner! Let me help guide you through the process so you can make smart decisions. Call now!

Ever thought about tapping into your home's equity? A cash-out refinance could be the solution! This option allows you t...
11/21/2025

Ever thought about tapping into your home's equity? A cash-out refinance could be the solution! This option allows you to pay off your current mortgage with a new one of a higher amount, giving you the difference in cash. Have questions? Call me!

If you bought a home in the last three years, you could save now with a refi. Give me a call to learn more!
11/20/2025

If you bought a home in the last three years, you could save now with a refi. Give me a call to learn more!

11/07/2025

📣 Big News for First-Time Homebuyers! 🏡
Fannie Mae just announced an important update to their lending guidelines — and it could make it easier for more people to qualify for a home loan.

Here’s what’s changing:
✅ Expanded Day 1 Certainty® programs (making the loan process smoother and more secure)
✅ More flexibility around credit documentation and liabilities
✅ Easier approval process for borrowers with limited credit history

👉 What this means for you:
If you’ve been worried about your credit score, paperwork, or qualifying for your first home — these updates are designed to open more doors for new buyers.

Now is the perfect time to find out where you stand and how close you are to homeownership.
Let’s get you pre-approved and make that first home happen! 💪

📞 757-839-4966 | 🌐 ecomortgage.com

ANSWER THIS...MY CURRENT MORTGAGE INTEREST RATE IS??
10/07/2025

ANSWER THIS...MY CURRENT MORTGAGE INTEREST RATE IS??

📉🏡 What Really Happens When Rates DropI hear this all the time: “I’m just going to wait until rates go down before I buy...
09/22/2025

📉🏡 What Really Happens When Rates Drop

I hear this all the time: “I’m just going to wait until rates go down before I buy a home.”
Sounds smart on the surface… but here’s what actually happens ⬇️

✅ More Buyers Flood the Market
As soon as rates dip, thousands of buyers who were “waiting” jump back in. Suddenly, you’re competing against way more people for the same homes.

✅ Home Prices Push Higher
More competition means multiple offers, bidding wars, and sellers raising their asking prices. The small savings from a lower rate can be wiped out by paying more for the house itself.

✅ Less Negotiating Power
In today’s market, sellers don’t have to cover closing costs, repairs, or concessions when they have 10 offers on the table. As a buyer, you lose leverage.

💡 Real-World Example:

You wait for rates to drop 1%.

By then, home prices have jumped $20K–$30K because of increased demand.

Even with a slightly lower rate, you end up with a higher monthly payment because the house costs more.

👉 The smarter move: Marry the home, date the rate.
Buy the home you love now, start building equity, and when rates drop later, you can refinance. You’ll already be in the market while others are scrambling to catch up.

📲 Don’t get priced out waiting for the “perfect rate.” Let’s talk today about making your move before the crowd rushes in.

🚨 Exciting News, Ohio! 🚨I’m AJ Slone with East Coast Mortgage, and I’m now officially licensed to help homeowners and bu...
09/19/2025

🚨 Exciting News, Ohio! 🚨

I’m AJ Slone with East Coast Mortgage, and I’m now officially licensed to help homeowners and buyers across the state of Ohio! 🏡

Here’s what that means for you:
✅ Access to 20+ lenders so I can find the best loan program for YOUR situation.
✅ Faster closings — I’m known for getting loans cleared in as little as 15–20 days.
✅ Expert guidance from start to finish (day or night, weekday or weekend).

Whether you’re:
🔑 A first-time buyer
💡 Looking to refinance
📈 An investor ready to build wealth

I’ve got you covered. My job is to make the mortgage process smooth, stress-free, and built around YOUR goals.

📲 If you’re in Ohio and thinking about buying or refinancing — now’s the time to connect. Let’s make homeownership happen!

09/12/2025

🔎 Home Inspection vs. Appraisal – Know the Difference! 🏡

When you’re buying a home, these two steps often get mixed up, but they’re very different:

🛠️ Home Inspection – For YOU, the Buyer

Scheduled and paid for by the buyer (optional, but HIGHLY recommended).

A licensed inspector checks the home’s condition inside and out: roof, foundation, plumbing, electrical, HVAC, appliances, and more.

The goal is to protect your safety and your wallet. It shows you what repairs or issues might exist before you move forward.

After the inspection, you can:
✅ Continue with the purchase
✅ Request repairs or credits
✅ Walk away if major problems are found

💰 Appraisal – For the LENDER

Ordered by the bank/lender and required for the loan.

A licensed appraiser reviews the property and recent comparable sales to determine the home’s market value.

The goal is to protect the lender, making sure they don’t lend more than the home is worth.

If the appraisal comes in low, it can affect how much the bank will lend, meaning you may need to renegotiate or bring more cash.

⚠️ Remember:

The inspection protects YOU and helps you decide if this is the right home.

The appraisal protects the LENDER and confirms the home’s value.

📲 First-time buyer? I’ll guide you through both steps so you know exactly what to expect.

Address

Chesapeake, VA

Telephone

+17578394966

Website

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