Michelle L Caldwell, Mortgage Loan Officer NMLS# 7944 at Huntington Bank

05/09/2024

03/28/2024

Happy Opening Day!! ⚾️⚾️

03/18/2024

02/29/2024

Friends. This is E X C I T I N G !!! Like scream it from the roof top exciting. Why?! Well, it's easy to get anxious over high mortgage rates. But if now's the right time to buy, Huntington Rate Resilience covers your closing costs six to 12 months after your purchase!! Effective for homes purchased March 1, 2024 through June 30, 2024. Reach out to me at [email protected] to find out how!!

02/23/2024

Q: How much do I really need to put down to buy a home?

Good news! It's *not* 20%. Even though 20% has historically been the magic down payment number, few lenders still require 20% at closing.
Many mortgage programs allow as little as 3% down or in some cases, no money down.

While you should always chat with a qualified lender to figure out the best loan option for your own finances, there will be a few benefits to putting 20% down on your home.

↪️ No PMI - if you put less than 20% down you might wind up paying mortgage insurance until you accrue more equity.
↪️ Better interest rates - in some cases, if you put more money down you'll qualify for lower interest rates.
↪️ Less interest over time - if you put more down, you'll pay off your loan faster which means less interest.
↪️ Lower Monthly Payments - the larger your down payment, the less money you’ll borrow for your mortgage loan.
↪️ Competitive Edge - a larger down payment can make your offer more attractive to sellers as they'll anticipate fewer issues during the mortgage contingency period.

The bottom line: whether you have a 20% down payment saved or not, it's time to start investing in your future instead of your landlord's! 😉 Drop a DM if you're interested in an initial conversation to see where you're at and create your game plan.

02/22/2024

IYKYK. Who am I meeting there? 🍦

In just 17 days we will open for our 2024 season. We will be open for lunch/dinner Friday, Saturday, and Sunday and open at 3:00 Monday - Thursday.
Hope to see everyone soon.

02/14/2024

Setting you up for success from day one!

Comment below or DM for more details on how we can match you with the perfect home loan.

02/09/2024

Here’s the truth...
..online home estimates are only as valuable as the data behind them. No computer is going to know as much about your home as a real estate agent who has been inside your home, seen the property firsthand, and factors in upgrades or improvements that you made.

If you are wondering how much your home is worth, try to resist the urge to check the online estimates! I have TRUSTED, PROFESSIONAL full-time partners that can run a comparative market analysis for you that will provide a more accurate estimate of your home value and equity.

Whether you're thinking of selling or simply just curious, feel free to drop me a DM.

01/31/2024

Event season will soon be here in the Fort!

Check out the 2024 Events Schedule for all the AWESOME events we have planned for this year! Make sure to follow us on our platforms to stay updated on everything Fort Thomas!