Gabe Ruby- Mortgage Originator NMLS #1363196

05/10/2023

Are you planning to buy a home in 2023 but unsure if you should wait for interest rates to drop or move forward with buying and refinancing? Our expert mortgage advisors can help you weigh your options and make the best decision for your financial goals. Contact us today to get started!
Community Mortgage
CO ID # 77047
CMC is an Equal Housing Lender

03/31/2021

According to the CFPB...

03/24/2021

Don't make this mistake!🧐
Realtor Friends: Are you seeing this too? 🙋 or 🙅

02/10/2021

Even if you get one less call, it's worth the 5 minutes and less confusion.

01/27/2021

12/10/2020

💰For only 3.5% down you can buy more now,
A house priced up to $369,287
Call me and see how much more you can buy with
📞901-573-1704

📈FHA loan limit increase means more house $$ is possible for less money down…
Specifically, 3.5% Not 20%!
🤩You could purchase a home up to $369,287
🎸If you are in Nashville, you could buy a home for up to $607,772!

If you are ready to buy more house for less money
1️⃣Give us a call 901-759-4400
2️⃣Get pre-qualified for an FHA loan
3️⃣Go house shopping for your dream home with more money in your pocket!

12/03/2020

😡If you have been at your whits end being beaten in multiple offers in 2020, this loan limit increase may help you widen your home search next year.
📞Call me today, to get a better gameplan for 2021.
901-573-1704

🗣Mortgage Industry: GREAT NEWS!
🙌Buyers: Finally!!! What is it????
🗣Mortgage Industry: Conforming Loan Limits for 2021 Have Increased!
🤔Buyers: What the heck does that even mean?!

👩‍💼Let’s break it down…
Jumbo Loans are non-conforming loans.
They take forever and are a pain!
Conventional Loans are conforming loans, much easier.
These have limits to how much you can borrow.
As of Jan 1, limits will increase to $548,250 & $586,500 in the Nashville area.

Meaning, buyers can borrow a bit more
🏡And more houses become in their price range

🤓Do you want to know how much is possible?
Click this link to find out how much house is possible...https://bit.ly/2021ConvLimitsMSTN

11/18/2020

🏡Now is an awesome time to buy or refinance!
Make sure you take the time to understand your options so you make the right choice.

T'is the Season to Shop
With rates this low I'm sure you've thought about either refinance or purchase.
Before you shop to compare different options
Know all the Apples you are comparing:
📈 Rate
📉APR
📄Terms
💰Closing Costs

Some lesser known parts can change the appearance of your loan estimate.
👀So watch out for these:

🔸Discount Points..points you have to buy that can be added to your estimate to make the interest rate appear lower

💲Origination Fees..we do not add this fee, but some lenders will, which raised the cost of your loan.

🏦 Prepaid Items..these can be higher or lower depending on the time of the year you buy. This includes prorated property taxes or Homeowners Insurance that are paid into your Escrow account.

Make sure you are comparing 🍎 to 🍎
Not 🍎 to 🥕

10/21/2020

All realtors know that low appraisals can ruin the perfect day. 😀

But, what if there was a way to avoid a low appraisal for VA loans? 😮

There actually is an alert that can give you time to support your listing price and avoid a low appraisal.

This is called Tidewater.

Tidewater isn’t a difficult concept to learn, so you need to grasp it right away to put your clients in a position to win!

Luckily, we’ve created a resource to help you understand everything about Tidewater for VA loans. 😎

Use the link below 👇to download and check it out!

If you’ve found this information to be helpful, please share it so we can together give veterans the best chance of purchasing their dream home.

https://bit.ly/37rTP2h

09/18/2020

Custom homes can be uncharted territory for Realtors. 😟

Many Realtors are fearful of working with builders and it can affect their business. 😫

Most of the time, certain misconceptions can ruin the relationship between Realtors and builders. 👷‍♂️

There are 5 Big Myths about Realtors working with builders.

Whether you’re already doing business with home builders or want to start, you should check our new PDF out, where we tackle all of these myths for you. 😀

Simply click the link below, and we’ll send you The Top 5 Myths For Working with Builders.

Getting familiar with working with builders can open up a new option for your buyers and maybe a new niche for you. 😎

Remember to keep scrolling to browse other helpful content for realtors.

Oh, and if you want to discuss working with some of our favorite builders...

📞 Today (901) 759-4400.

https://bit.ly/3kxu0Bc