Brian Butler, Total Mortgage NMLS #1758983

10/31/2022

Have a spook-tacular Halloween! 🎃

10/25/2022

The best way to save for your down payment is to start early! The sooner you start saving, the better off you'll be when finalizing your mortgage. Check out these tips to get started!

10/21/2022

It's easy to get overwhelmed by the sheer amount of home loans out there, but it's all about finding the mortgage that works for you!

10/05/2022

When it comes to investments, real estate definitely gives you the most bang for your buck. Not only does its value increase the longer you hold onto it, you can also rent out your property in the meantime to generate another stream of income.

09/27/2022

The first step towards homeownership is attaining pre-approval! Not only does it allow you to start planning your housing budget, it also shows your lender that you're serious about buying a home.

09/22/2022

Get yourself familiar with the various costs and fees associated with homeownership before you jump into the home-buying process. Knowing how much you'll be paying each month can help you prepare your finances ahead of time.

08/15/2022

If you’re asking yourself “Should I buy a house now or wait until 2023?” and you have everything else in order financially, there are certain steps you can take to make homeownership more affordable. Take a look at this article to help you out in your decision.

Mortgage rates are going up, leaving many to ask ‘Should I buy a house now or wait until 2023?’ Here’s what buyers can do despite rising interest rates.

08/10/2022

The mortgage process isn't as scary as it might seem to first-time buyers! I'll guide you through the whole process, making sure all your questions are answered.

07/28/2022

Believe it or not, not all loans are created equal. But there are two main loans that you should know about. And no, borrowing money from your family isn’t one of them.

FHA loans are government-backed, have a minimum credit score, and have a low down payment. Conventional loans are backed by private lenders, conform to set standards, and have higher credit score minimums and down payments.

Which is best for you? To determine that you need to take several factors into account.

Give me a call today, and I’ll walk you through it all.

Learn about the differences between FHA and conventional loans, the credit scores needed to qualify for each, and how much you need for a down payment.

07/19/2022

How do you compete with multiple offers on homes?

Make sure you have a pre-approval letter in hand!

This document indicates to sellers that you are a serious buyer and have the financial means to make good on your offer.

Getting pre-approved is easy - we can start the process as soon as today.

07/13/2022

When interest rates hover near historic lows for extended periods, it becomes easy to forget that what goes down will eventually come back up. One way to combat this high rate market we are seeing is to work on improving your credit score to ensure you get the lowest rate possible.

This article provides valuable information to help you start the process of repairing damaged credit. Learn how long it takes to fix a credit score so you can be in the best shape possible to buy a house.

Give me call or send me a message if you have any questions!

Having a low credit score could hinder your attempts at getting a home loan. This article explains how to fix your credit score in 4 steps.

07/04/2022

Wishing everyone a Happy Fourth of July! Enjoy spending the day with family and friends.