Wheeler Mortgage Corp

01/06/2025

Wow Castro’s son Trudeau just walked away from his Canadian position he was going to be taken out anyway but look at all the destruction he caused …

05/14/2022

Great news for consumers haunted by paid medical collections. Changes for consumers made jointly by Equifax, Experian, and TransUnion the nationwide credit reporting agencies have agreed to 3 important changes to reporting medical collection accounts.
• Paid medical collection debt will no longer be included on consumer credit reports, as of July 1, 2022.
• The time period before unpaid medical collection debt will appear on a consumer’s report will be increased from six months to one year, also effective July 1, 2022. This change gives consumers more time to work with insurance and/or healthcare providers to address medical collection debt before it appears on credit reports.
• Medical debt collection accounts under at least $500 will no longer be included on consumer credit reports. This goes into effect the first half of 2023.
I have a client whose credit was negatively impacted almost 100 points for a $137 paid collection. These significant changes to medical collection debt reporting support consumers faced with unexpected medical bills.

04/26/2022

6 Reasons a Cashout Refinance May benefit you! Call Julie Marie Wheeler today for more info and make it an awesome day!

04/25/2022

Great news borrowers now have a new way to lower their monthly payments and add room to their budget. Freddie Mac’s Refi PossibleSM is a money-saving refinance program that lets more homeowners take advantage of today’s low rates. To qualify, homeowners must meet these requirements:
• Current loan must be a Freddie Mac-backed mortgage for a single-family primary residence
• Current loan must have closed at least 12 months but no more than 10 years ago
• Income at or below 80% of area median income
• No missed payments in the past 6 months; no more than 1 missed payment in the past 12 months
• New mortgage up to 97% LTV1 and 65% DTI or less
• No minimum credit score requirement
Call Julie today for details on how this might benefit you!

03/08/2022

What a great week so far! We closed a refinance in 7 days and boy are our clients happy with us! Rates are on the rise so get your affairs in order before it’s too late.

We LOVE HELPING PEOPLE, it’s what we do!

03/02/2022

Tomorrow we close a refinance that we submitted 1 week ago. Thank you to Julie Marie Wheeler and Barbara Talerico for a job well done! If you want great service call us today 954-422-9400 and make it an awesome day!

02/22/2022

Here is some useful information. One of the reasons why it costs so much to own a home in Florida is the property taxes. The Florida homestead exemption is a powerful tool that homeowners can use to reduce their property taxes.

If your property is your permanent home and you owned it on January 1 of the tax year, you are eligible for a $25,000 exemption on the first $50,000 of its assessed value in Florida. This exemption covers all taxes, including those levied by school districts. If your property's assessed value is between $50,000 and $75,000, an extra exemption of up to $25,000 will be applied. This exemption does not apply to taxes levied by school districts.

Before applying make sure you meet the following requirements:

• You are the property owner.
• The property you want to claim the exemption for must be your permanent residence.
• The property you want to claim should be the permanent residence of someone you can claim as a dependent on your taxes.
• You must have lived at the property on January 1 of the tax year in question. For instance, if you hope to claim the homestead exemption on your 2022 taxes, you must have lived at the property in question on January 1, 2022.
• You should not have rented the property for more than 30 days in a given calendar year. This is because renting the property for more than 30 days for two consecutive years or for more than six months is considered an abandonment of the Florida homestead exemption.

The Deadline to file is March 1, 2022. There is an online application to apply for your HOMESTEAD EXEMPTION in the county you live. You will need the following information to complete the online application (for all parties filing):

• Social Security Number
• Date of Birth
• Marital Status
• Florida Driver's license, Auto Registration and Voters Registration which reflects the property address
• U.S. Permanent Resident Immigration number (Non U. S. citizen)

If you need further assistance, please feel free to reach out to me and we can go over the application process – I’m here if you need me. Julie Marie Wheeler

02/18/2022

PSA if you bought a new home in 2021 make sure to file for homestead the deadline is quickly approaching! This is so very important and will save you a tremendous amount in taxes over the years! Call Julie Marie Wheeler if you have any questions and make it an awesome day!

02/09/2022

PSA for all seniors who have homesteaded property in the State of Florida ... If your 2021 adjusted household gross income does not exceed $32,561, you DO NOT need to do anything to continue receiving this valuable exemption for 2022. Your exemption will automatically be renewed provided you are still living at the same address and receiving Homestead Exemption.

If your 2021 adjusted household gross income did exceed the income limitation, you must notify our office that you no longer qualify for this tax year when you receive the annual income notification from our office. We understand the adjusted household gross income for some individuals may change from year to year so an applicant may qualify one year and then not the next.

If you did not receive the Senior Exemption for 2021 and you believe you may qualify, please visit the property appraisers website for your county and search for Senior Exemption and all the other exemptions available to qualified applicants. You can also apply online in most counties. The deadline to apply for any 2022 exemption is September 19, 2022.
If you have any questions call Julie Marie Wheeler CRMS at 954-422-9400 press 1 when the system answers. Make it an awesome day!

01/27/2022

One of my lenders sent out a message today and it is exactly how I feel so I thought I would share it. Have an awesome day! "I love having purpose. I love having a mission. I love coming to work in the morning because I get to because I want to impact lives. It's not about the commissions or the volume or even recognition. It is all about helping others be the best they can be and in turn helping me be the best I can be.

If you are coming to work for the sake of money then money will be your only reward. I always say, no I would not come to work and do what I do for free. But it is amazing how the more I become about making an impact for others the more my income increases."

01/25/2022

Good read if you own a condo because these new changes will affect your resale value because if people cannot get a loan to buy in your development that leaves it to cash only buyers or very large down payment requirements which in my opinion will hold your values down. Best thing to do is get involved with the HOA and try to limit your exposure to this happening.

Fannie’s tighter loan requirements post-Surfside collapse started Jan. 1; Freddie’s start Feb. 28. In the meantime, the list of no-loan condo projects will likely keep growing.

01/01/2022