United Residential Mortgage

05/22/2026

Thankful for amazing clients and grateful to help make the home buying process smooth and stress-free. 🏡🙌

05/07/2026

Grateful for wonderful clients and kind words like these! 🏡✨

05/06/2026

Grateful for the kind words and trust—truly appreciated! 🏡

05/05/2026

We love hearing this! 🙌 Our team is committed to making the mortgage process smooth, stress-free, and always putting our clients first. Grateful for the trust! 🏡

04/22/2026

Helping make the homebuying process smooth and stress-free is what it’s all about 🏡✨

04/07/2026

04/06/2026

Your trust is our greatest reward!

04/03/2026

Thank you, Liberty for trusting us with your journey! 🏡💙

07/24/2024

Hey folks! If you're even slightly considering getting a mortgage (buying a home or refinance) PLEASE DO YOURSELF A HUGE FAVOR and sign up below using the links I've provided for the "opt-out prescreen" and the National Do Not Call list (add your cell phone). They are free and they will save you a ton of annoyance.

One allows you to opt out of your data being sold by credit bureaus for solicitation and the other prohibits your cell phone from being called for solicitation.

Credit bureaus are legally allowed to sell your contact info once your credit is pulled by your chosen mortgage lender and you will get bombarded with phone calls and texts within a day of credit pull. At least until the bill that was recently intro'd called Homebuyers Privacy Protection Act passes and bans the practice.

The only way to avoid this is by using these links at least 7 days in advance of your credit pull.

Opt-out Prescreen: https://www.optoutprescreen.com/

National Do Not Call: https://www.donotcall.gov/

05/16/2024

DON’T LET THIS HAPPEN TO YOU!!!🫠

Have you ever “Disputed” accounts on your credit report that you thought were incorrect (ie. late payment, balance, etc)?

Seems like a logical move, right? 😏

Well, beware, because it can create an obstacle. ⚠️

If you have and plan to buy a house (or refinance) any time soon then this is for 🫵

When an account is actively in dispute and the credit bureaus are actively investigating it’s temporarily taken out of being factored/calculated into your credit scores. 🧮

This can cause your scores to come back higher than they actually are and you could end up having a false sense of hope for approval for your home loan. 🤗

I know what you’re thinking… why wouldn’t I want my scores to look higher?!🤔

When you’re getting a home mortgage loan and there are accounts in dispute on the report pulled for pre-approval the mortgage guidelines require you to remove those disputes and comments and have your credit rescored with the accounts out of dispute status.😩

Underwriters know they don’t reflect the true scores if actively in dispute. If it's an account with lates on it and you remove disputes and they don’t remove the lates your scores could drop. 📉

Imagine… you’re finally ready to buy a home and think you’re all set for loan pre-approval and this pops up and you have to go back remove the dispute and then have the lender repull your credit and it drops to the point you lose your approval. 😞

Often times they’ll leave the dispute comments on your report even after the dispute is over. If you’re trying to get a home loan ALL comments MUST BE removed or show resolved BEFORE you can get approved. 🤬

What do you do?

Call all 3 bureaus and ask them to remove dispute verbiage from the credit report. 🤳

Here are some QUICK TIPS for success:

-Call first thing in AM
-Have a copy of your credit report in front of you
-Let them know you’re no longer disputing
-You NEED ALL comments removed
-Once requested you’ll need to call back in 72 hours to confirm
-Pull a consumer report to verify the removal of the comments

If you’re thinking of buying a home (or refinancing) you want to make sure you get them removed BEFORE your credit is pulled by your lender to help keep the process as smooth as possible.♟️🧐

02/07/2024

Change in Home Value After 10 Years

Talk about a winning record! Buying a home and holding it for 10 years has earned a profit every year except one since 1942. Just look at those returns, too! Housing builds significant, long-term wealth.