Brandon Neal - MLO

11/28/2024

Wishing this Thanksgiving finds you with plenty of reasons to give thanks.
Give thanks with a grateful heart and bountiful love. Let us gather together with cherished ones, sharing laughter and joy as we reflect on the blessings bestowed upon us.

Wishing you a Thanksgiving filled with warmth, abundance, and unforgettable memories. Happy Thanksgiving!

11/21/2024

Find out why waiting to buy a home might cost you more in the long run.

Here's why buying your first home sooner rather than later be a smart move that you won't regret.

11/18/2024

Home Loans 101: What are Closing Costs?

Closing costs are expenses beyond the property price that cover services for processing and securing a loan, ensuring the transaction is handled legally and properly. These costs include:

Title Search: Verifies there are no legal issues (like unpaid taxes) affecting ownership.
Appraisal: Assesses property value to confirm it supports the loan amount.
Discount Points: Optional fees for a lower interest rate, reducing monthly payments.
Deed Recording: Officially records the new deed with the local government.
Origination Fees: Lender charges for loan processing.

Other costs might include inspection fees, taxes, insurance, and, if applicable, mortgage insurance. Typically, closing costs are 3-5% of the property price. Buyers should get an early estimate from their lender to prepare.

11/16/2024

Protect yourself from sudden increases in your mortgage payment. Get dependable predictability with a fixed-rate mortgage.

A fixed-rate mortgage is a type of home loan program with a predetermined interest rate that remains constant for the entire term of the loan. This means that the interest rate on this mortgage will not fluctuate over the life of the loan, ensuring that the borrower's monthly payments remain consistent. This stability provides a sense of financial security and predictability, making it easier for homeowners to budget and plan for the future. Regardless of market conditions or changes in the economy, the interest rate and monthly payments for a fixed-rate mortgage will stay the same, shielding borrowers from potential rate hikes.

Fixed-rate mortgages are highly popular in the U.S. because they offer unparalleled stability and peace of mind. Whether you're a first-time homebuyer or looking to refinance your current mortgage, a fixed-rate loan can be an excellent choice for those who value predictability in their financial planning.

Many people are surprised to learn that there are several types of home loans that offer fixed rates, catering to various financial situations and needs. From conventional fixed-rate mortgages to FHA and VA loans with fixed terms, there's a fixed-rate option suitable for nearly every borrower.

Interested in learning more about the different fixed-rate mortgage options available? Contact us today to discover which type of fixed-rate home loan is right for you and take the first step toward securing a stable financial future for your home.

11/13/2024

Lower rates attract more buyers, so when there’s a limited supply of homes, buyers have to fight in bidding wars which drives home prices up! So waiting for a lower rate might not actually be in your best interest. Take a look at this scenario comparing buying now when there’s less demand vs later when there’s more demand.

11/11/2024

We're honored to live and thrive in the same land you protected. We are thankful for your service and look forward to helping you finance your home buying dreams. Contact us today to get started.

* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.

11/11/2024

Many homeowners are holding off until rates drop to a “magic rate.” Discover what rates homeowners need to feel comfortable selling.

10/31/2024

Today is spooky but mortgages don’t have to be. Give me a call today to find out how I can make your homebuying process sweet!

10/31/2024

Close the gap between you and homeownership. FHA loans can make it more attainable. Contact us.

10/30/2024

Breathe new life into your mortgage with a refinance. Call me to talk about your loan term, interest rate and what we can do about it. DM me today!

10/27/2024

Shopping for a home is hard. Securing a low interest rate doesn’t have to be. DM me to find out how your borrower can lock their rate for 60 or even 90 days while they house hunt.

10/24/2024

Winter is right around the corner. If you’re looking to move before the snow starts flying, call me today. You could be enjoying a scene like this in 20 days or less.