Allan Diva - First Alliance Home Mortgage

Allan Diva - First Alliance Home Mortgage Allan Diva
Mortgage Loan Originator
NMLS #243124
Cell: 201-888-4489
www.fahmloans.com

09/22/2022

Buying your own place is a big commitment, so follow the golden rules of home buying no matter how large a down payment you’re planning to make.

Consider buying when:

- You're already spending your money on rent instead of putting into equity.
- You won’t clean out your savings to pay for the down payment and closing costs. You’ll still need money left over for maintenance, repairs, and non-housing emergency expenses.
- Your credit score is in good shape. A score of 720 or above in the FICO scoring model will get you the best chance at qualifying for a loan with the lowest interest rates available.
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09/20/2022

If you're thinking of buying in 2022, consider these 4 tips ✅

SECRET TIP: Working with a local agent and mortgage advisor can make buying a home so much smoother.😊

Let's get connected and build your mortgage plan together!
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09/19/2022

Getting a pre-approval should be the first thing you do when beginning the homebuying process. This confirms to the seller that you’re a "PowerBuyer" and fully approved for your mortgage subject only to an appraisal.

Want to know how much home you can afford? Visit my website to get started. I will get in contact with you and begin reviewing your income, credit and financial information and complete your pre-approval. You'll also receive my valuable Guide to Homeownership. 🏡
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09/16/2022

If you're considering purchasing your first home or an investment property, make sure you speak with me about what payments are right for you. I can assist you in taking that into consideration when deciding on a loan amount.

Even though you may qualify for a certain amount, you don't want to become burdened by payments. Getting pre-approved for your loan before house hunting is a great time for this conversation.
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09/15/2022

Anyone else wear a cape? Helping families achieve the American Dream is my superpower!💪 🦸‍♂️💥

Want to be next? Trust in me and I'll provide you with all the expert advice, loan options, and best service you deserve!
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09/14/2022

A down payment is a percentage of your home’s purchase price that you pay when you close your home loan. We often look at the down payment amount as your investment in the home.

Here are some tips on how you can save the most for your down payment:

-Find out how much you need to save by getting a pre-approval
-Set a save by date
-Stick to a personal budget for your monthly spending
-Put extra money aside in your savings account

Keep in mind that there are plenty of options for how much you can put down when purchasing home, including $0 down. Don't let the down payment scare you out of finding your dream 🏡!
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09/13/2022

Wondering which home loan is right for you? Here's a breakdown of the 4 most common types of home loans!

✔️ Conventional loans are the most common home loans for buyers.

✔️ FHA would be the best choice if you're a first-time buyer looking to put a low down payment!

✔️ VA Loans do not require you to have a down payment.

✔️ USDA Loans offer you flexibility with credit.
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09/12/2022

The smartest strategy for accessing your home equity depends mostly on what you want to do with the money. Of course, your credit score and your financial situation matter, too. However, they will be factors regardless of which option you choose.

💲 For lump-sum expenses or debt consolidation

💲 For home improvements or launching a business

💲To pay off car loans or credit cards
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09/09/2022

Do you have what it takes?

These are the 4 things as a lender that we look at when you're looking to get pre-approved.✅

If you need any guidance or have questions on how to proceed give me a call, I'd be happy to answer your questions.👍

After all that's what I'm here for!
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03/23/2022

In today's market with rising interest rates, it may be a good idea to consider a cash-out refinance. You can leverage the equity in your home to make long awaited improvements that will increase your property value.

Interest rates are predicted to rise six more times before the end of the year. Securing a cash out refinance NOW is the smartest move you can make.

With home values rising, your equity is at an all time high. Take advantage of the current market conditions to invest in your most valuable asset- your home.

Give me a call today to discuss your options.

03/18/2022

Buying a home is a huge part of the American Dream, and renting is not always as simple as it seems. Before you do anything, be sure to weigh the risks involved.

Don’t just dream about the perfect home, make it a reality.

Contact me today!

Planning to buy a home? FAHM's Guide to Home Ownership will set the expectations for a positive experience. Our guide wi...
03/01/2022

Planning to buy a home? FAHM's Guide to Home Ownership will set the expectations for a positive experience. Our guide will help you along your path to homeownership and set you up as a PowerBuyer.

Be informed on everything you need to know including:
• Who to Contact
• Costs Out of Pocket
• PowerBuyer Needs List
• The Mortgage Loan Steps
• Your Mortgage Options
• Tips & Reminders
• Our Commitment to You

Email me today to receive the full guide!

Address

20 Jackson Drive, 2nd Fl
Cranford, NJ
07016

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Website

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