Andy Stephens - The Lending Collective

09/16/2024

Mortgage rates have hit a two-year low, and it's time to take action!
Here’s what you need to focus on:

1. Find a trusted lender – Rates can vary, so choose wisely
2. Improve your credit – A higher score could mean better rates
3. Explore loan options – Don’t limit yourself to a 30-year mortgage, and consider out of the box thinking towards home ownership
4. Review your budget – Consider taxes, insurance, and more
5. Get pre-approved – This gives you a competitive edge, and precision in making your offer

Need help? Comment “HOME” to schedule a free strategy consultation!

07/31/2024

Fear is removable.

A crucial step to move through fear in your life is to realize that it is removable. Refuse to allow fear to live rent free in your life. And what's equally important is that just because your family or friends around you experience fear doesn't mean that you have to also.

"You gain strength, courage, and confidence by every experience by which you really stop and look at fear in the face." -Eleanor Roosevelt

07/25/2024

How to keep progressing without facing the same problems over and over.

(Here's what you should and shouldn't do)

• Don't gloss over mistakes and move on. Instead, review your mistakes, watch the game film, and take notes to see where there were faults.

You can do this in 3 steps:

- Step 1: Active note-taking
- Step 2: Post-incident reviews
- Step 3: Follow-up questions to see how you can be better

• Don't get angry at what goes wrong. Instead, get motivated and happy about it because this is where learning and improvement happens.

People make this mistake and get angry when things go wrong because of an internal desire for perfection (or external pressure to be perfect). This means they continuously experience failure and fiercely avoid it simply over internal fear. Perfection can be a disease.

Instead, experience your failures. Live in that world temporarily. Get excited to try again, and approach with new energy and deeper wisdom.

It's common to think you should avoid making mistakes; however, when you avoid mistakes, you risk the potential wins after you gradually improve through consistency.

So get after it!

07/22/2024

07/19/2024

The Biggest Mistakes Homebuyers Are Making Right Now

07/18/2024

3 uncomfortable truths most veterans spend their *entire* lives avoiding:

1. Start your journey towards your purpose immediately.

No one was standing there waiting for me when I got out of the Army to tell me what my purpose was. I had to work to find it, but when I kept searching, I found my people. I never quit searching, and I'm still growing towards it today. Finding purpose for me was a partially a combination of being led by faith, and protecting who I spend my time with. It's true, you will become like the 5 people you hang around most.

2. Have a have a long term financial plan.

Here's why it takes veterans so long to learn this truth:

• The government "takes care of it for you"
• Most service members enlisted at 18 and were never exposed to finances
• Lack of belief and confidence in financial success

Avoid this trap.

3. Always ask for help.

Do not be another statistic. We need each other to heal and grow in life daily. Much like how Navy Seals earn their trident every day, it takes daily effort and vulnerability to face ALL of your problems and seek guidance where you need it. You're never alone.

Face it: You have all the tools necessary to BE and DO everything God's called you to be. And this doesn't just ring true for military veterans, this is for all of us.

Actions tell your story.

07/17/2024

The Price of Perfection: Don’t Wait for the Perfect Home

In life, patience is a virtue – but in the world of homebuying, waiting too long in hopes of finding the perfect home actually isn't wise.

07/15/2024

How Do Presidential Elections Impact the Housing Market?

07/12/2024

How Do Presidential Elections Impact the Housing Market?

Are you wondering if the upcoming election will have an impact on the housing market?