John Meyers - Flat Branch Home Loans

06/04/2023

Swing by and see me Sunday from 1-3, I’ll be there to answer all of your financing questions!

05/26/2023

If you’re free on Sunday, come check out this open house in Columbia!

Join me Sunday from 11a-1p, hosting this 4 bed, 3 bath walkout ranch in Bedford Walk on a great corner lot, featuring a gas fireplace in the living room, quartz countertops and stainless steel appliances in the kitchen, a formal dining room, dual sinks, tiled shower and walk in closet in the master suite, plus an office and tons of extra storage under the garage.

Plus, special guest, John Meyers, from Flatbranch Home Loans will be joining me to answer any financing questions you may have.

Check it out now: https://janice-downes.weichertft.com/details.php?mls=328&mlsid=413689

05/18/2023

You’re getting ready to purchase your first home, and you want to make sure you get the best deal possible. With so many options out there, it can be a bit overwhelming at first. But don’t worry! With a little research and my guidance, you’ll be on your way to finding the perfect loan for your needs.

🔸 First, you’ll want to decide on a loan type
Do you want to go with a traditional mortgage loan or a government-backed loan such as an FHA loan or VA loan? Each one has its own set of benefits and drawbacks, so you’ll want to weigh the pros and cons to decide which one is best for you.

🔸 Next, you’ll want to compare interest rates
Shop around and compare rates from different lenders to see who offers the best deal. Don’t forget to factor in other costs such as points and origination fees that may be associated with the loan

🔸Finally, you’ll want to consider other financing options such as grants or down payment assistance programs. These can be great resources for first-time home buyers who need a little extra help.

So don’t be intimidated when it comes to financing your first home. With a little research and the right information, you can find the perfect loan for your needs. Good luck, and happy house hunting!

05/16/2023

Listen up folks, it’s time to get real about your credit game. Want to make those home ownership dreams a reality? Then ditch those bad credit habits faster than a hot potato!

Here’s what not to do if you want to impress those pesky lenders:

✔️ Splurging like it’s going out of style
✔️ Forgetting payments like they’re yesterday’s news
✔️ Carrying credit card balances bigger than your ego
✔️ Mindlessly opening and closing credit like a revolving door
✔️ Ignoring your credit reports like it’s a bad breakup

Don’t let a silly mistake stand between you and your dream home. So, buckle up and get your credit in check, or you might just find yourself saying ‘bye-bye’ to that perfect home sweet home!”

05/05/2023

This Cinco De Mayo, I will give mortgage advice for tacos….Btw, let’s taco bout your referrals! From nacho average mortgage broker!

05/04/2023

Truth is, if you close your credit cards, it actually affects your credit history and could, in fact, lower your credit score!

So If you’re thinking about applying for a mortgage in the next couple of months, Don’t 👏Close 👏Your 👏Credit Cards!

Just wait…and do it after the closing.

Answer: FALSE ❌

04/25/2023

You may not think it’s possible, but buying a home actually costs less than renting! Maybe not at the onset, since you need more money to close the loan, but overall, you spend less buying a home than renting.

Here’s why it may be cheaper:

Rents continually rise. If you bought and secured a 30-year fixed rate, your payment never changes, unless you refinance. You don’t have to worry about increasing housing costs and/or moving. According to Trulia, homeowners save 38% by buying a home versus renting.

04/22/2023

Happy Earth Day! Let’s all take a step in the right direction and set an example in our community, not only today but moving forward, by having a positive impact on the environment!

If you’re a homeowner, here’s what you should know: Right now, today, we have the means to improve our homes for comfort, health, and energy savings with off-the-shelf products that literally pay for themselves.

Here are a few ideas you can implement today to have a positive impact on the environment:

🔸 Get the HVAC tuned up
🔸 Install a smart thermostat
🔸 Replace aging appliances with ENERGY STAR labeled brands

04/13/2023

Hey there, future homeowner! So, you’re thinking about taking the plunge and finding yourself a sweet little (or not-so-little) place to call your own? That’s awesome! But first, let’s have a little chat about whether your job and income are ready to party with your housing dreams.

🔸 Start by giving your bank account a little TLC
Make sure you’ve got a steady flow of cash coming in and that you’re not spending it faster than a kid in a candy store.

🔸Next, think about your job security.
Is it rock-solid, or more like a game of musical chairs?

🔸Finally, take a peek at the housing market
See if your dream home is within reach, or if it’s time to trade in those lofty aspirations for something a bit more down-to-earth.

Just remember, it’s always better to have a safety net than to be walking a tightrope over a bottomless pit of debt.

04/11/2023

Happy National Pet Day! I’m sure there’s not a day that goes by that you don’t celebrate your four-legged friend’s companion! Let’s get you a backyard that’ll make your pet smile 😉

04/06/2023

Hey there, future homeowners! Are you ready to take the plunge into the exciting world of mortgages and loans?

Before you start fantasizing about your dream home, make sure you’re really ready to commit to that loan. Buying a home is a big step, and you don’t want to be left holding the bag (or the mortgage, in this case) if you’re not totally prepared. So…

🗝 Take a good look at your finances
🗝 Calculate your debt-to-income ratio
🗝 Check out your credit score
🗝 Make sure you’re ready to commit to that monthly payment.

Trust me, you don’t want to be stuck eating ramen noodles for the next 30 years because you weren’t ready to commit! 😜

04/04/2023

Ah, financing a home purchase – it’s like trying to salsa dance through a labyrinth with a blindfold on 😵💰 With so many options to choose from, it’s no wonder you might feel like you’re swimming in a whirlpool of financial jargon. 🌪️🤯

But fear not, Your trusty guide is here, armed with insider knowledge on the many financing flavors that await:

🔑 Conventional Mortgage - The classic, crowd-pleasing option – a fan favorite for home buyers. This loan offers tantalizingly competitive interest rates that’ll leave you craving more.

🔑 FHA Loans - Enter the underdog, a government-insured mortgage for buyers with credit scores that may not dazzle but still shine bright. With lower down payment requirements, it’s an FHA-lover’s dream come true.

🔑 VA Loans Loans fit for heroes! These mortgages, tailored for veterans and active-duty military personnel, boast low-interest rates, zero down payments, and a salute-worthy ease of qualification.

🔑 USDA Loans - The rural romantics’ delight – government-backed loans for those seeking a suburban or countryside haven. With relaxed credit score requirements and low down payments, it’s a breath of fresh air.

🔑 Jumbo Loans - For those with grandiose aspirations, these loans cater to home purchases exceeding the limits set by Fannie Mae and Freddie Mac. Be prepared for higher interest rates and a more discerning entry criteria.

So, before you plunge headfirst into the loan ocean, be sure to familiarize yourself with the lifebuoys at your disposal.

After all, discovering your dream home is only half the battle – securing the ideal loan is the cherry on top! 🏠🍒