Ryan Saale - NMLS: #2064811- Home Savings & Trust Mortgage

Ryan Saale - NMLS: #2064811- Home Savings & Trust Mortgage Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Ryan Saale - NMLS: #2064811- Home Savings & Trust Mortgage, Loan service, Fairfax, VA.

Home Savings & Trust Mortgage NMLS # 192608 Licensed by the Virginia State Corporation Commission -2440, MD #10674, DC MLB 192608 (www.nmlsconsumeraccess.org)

06/05/2026

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Exciting news! Funding for a free 1% interest rate reduction for first time homebuyers across Northern Virginia has just...
07/28/2023

Exciting news! Funding for a free 1% interest rate reduction for first time homebuyers across Northern Virginia has just been released. The interest rate reduction can be paired with Virginia Housing’s products that offer up to 2.5% down payment assistance or up to 101.5% financing. Financing is expected to go quickly - DM for how to give yourself the best chance at reserving the funding before it runs out!

The focus the past few months has been on rising interest rates. Rightfully so, considering we have seen the most rapid ...
10/13/2022

The focus the past few months has been on rising interest rates. Rightfully so, considering we have seen the most rapid increase to mortgage rates in at least 35 years. However, it is important to not lose sight of the fact that rents have been rising at a similarly historical rate since 2021. 7% + annual rent increases means a $2,000 rent in 2020 is now costing ~ $2,290. There is no guarantee interest rates will come down significantly anytime soon… but unless you have an incredible landlord, you can bank on your rent continuing to increase.

With that in mind… now is a great time to purchase your first home! Sellers are increasingly willing to help contribute to buyers closing costs (even to help them buy the interest rate down). There are also currently programs in Virginia that give first time homebuyers up to a 2.5% down payment assistance grant(with just 1% down), a free 1% interest rate reduction, and a free mortgage credit certificate.

If you have given buying a home any thought or have any questions, let’s chat!

History proves an economic slowdown does not undermine the housing market. In fact, homes actually appreciated in 4 of t...
07/29/2022

History proves an economic slowdown does not undermine the housing market. In fact, homes actually appreciated in 4 of the last 6 recessions and only depreciated 2 times (one of which was the 2008 housing crash which comes with it's own set of circumstances) Historically, there is proof that when the economy slows down, it doesn't mean home values will fall or depreciate. I've noticed both buyers and sellers having more fear of a recession and believe a housing crash will follow. Hopefully this graphic will help ease their minds. If you have any questions, please let me know!

Do you know the difference between closing costs and prepaids? This is something many homebuyers get confused about when...
05/26/2022

Do you know the difference between closing costs and prepaids? This is something many homebuyers get confused about when buying a home. It’s important to understand where all your money is going. If you have any questions feel free to DM me!

If you are waiting to buy a home… please don’t wait any longer! Interest rates have showed no signs of slowing down, but...
04/28/2022

If you are waiting to buy a home… please don’t wait any longer! Interest rates have showed no signs of slowing down, but demand has. I have talked to too many people the last 2 weeks who have told me “we are going to wait for rates to go down”. The truth is no one can tell you when that will happen, but what history will tell you is that if/when rates go down demand will skyrocket. In my opinion we are in the perfect sweet spot of demand not being too crazy (yes because of higher interest rates) but interest rates not being outrageously high (at least not yet). If you buy a home now and rates do come down, you can refinance to the rate that you wanted AND would have been able to negotiate a better deal for yourself. Just my 2¢ 😊

Great news for consumers! The 3 major credit bureaus are changing how they will report medical collections. This is impa...
04/13/2022

Great news for consumers! The 3 major credit bureaus are changing how they will report medical collections. This is impactful for potential homebuyers as medical collections can negatively impact credit score. Reach out if you have any questions!

Did you know that $1,600 in rent for 30 years (the length of the most common mortgage term) equals $576,000? This does n...
03/30/2022

Did you know that $1,600 in rent for 30 years (the length of the most common mortgage term) equals $576,000? This does not even factor in rent increases! The best way to fight rising rents is to lock in your fixed rate mortgage payment ASAP. If you are interested in how this effects your situation, reach out for your free personalized rent vs. buy comparison today!

Every wondered how much home you can afford? DM me and I’m happy to let you know!
03/24/2022

Every wondered how much home you can afford? DM me and I’m happy to let you know!

Did you know you don’t need to save up 20% for a down payment to buy a home? There are many great options available that...
03/03/2022

Did you know you don’t need to save up 20% for a down payment to buy a home? There are many great options available that allow you to put down 3.5% or less. Please DM me if you have any questions!

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Fairfax, VA
22033

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