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Loans By Joe T

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Joe Treinen | Mortgage Advisor & Broker | NMLS #986044
Equal Housing Opportunity
Mpire Financial Group LLC NMLS # 2108504
Think Mortgage! Think Joe T!

Joe Treinen is a highly knowledgeable and seasoned business professional with just under 30 years residential mortgage lending experience. As a previous top producer from Ohio. Joe is now using his experience to assist borrowers in the state of Texas. In his career, Joe has personally helped scores of borrowers meet their home ownership dreams, while also helping many other loan officers do the same. He has led large mortgage teams at varying levels of management for leading mortgage companies across the nation and is now returned to his passion of helping people directly. Joe is now currently licensed in Texas, Oklahoma, Florida & Ohio. Think Mortgage! Mpire Financial Group LLC NMLS # 2108504, Joe Treinen, [LO NMLS #986044],(469) 960-4860 MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. This company is not litigated with or acting on behalf of or at the direction of HUD/FHA or any other government agency. ALL RIGHTS RESERVED. EQUAL OPPORTUNITY EMPLOYER & HOUSING LENDER. All mortgage products are subject to credit property approval. Rates, Program Terms & Conditions are subject to change without notice. Additional conditions, qualifications, & restrictions may apply. This is not an offer for an extension of credit or a commitment to lend. Mpire Financial Group LLC 2450 Maitand Center Pkwy Ste 200 Maitland, FL 32751 NMLS #2108504
www.mpirefi.com NMLSconsumeraccess.org
https://www.sml.texas.gov/consumers/complaints/

12/31/2024

✨ New Year’s Eve vibes: fresh goals, big dreams, and a new beginning just a call away!

Ready to make 2025 the year you turn “someday” into “right now”? Whether it’s securing the best mortgage, finding the right rate, or planning for your dream home – let’s start the year off strong!

So, pop the champagne, set those resolutions, and give me a call to kickstart your best year yet! 🍾🏠

Call Me Today!
Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

12/29/2024

I’m Ready to Save!” 😂💸 Because when it comes to mortgages, every dollar counts! Why pay more interest when you could save for that dream home (or maybe just a better coffee budget)?

let’s chat about how the right mortgage can keep more cash in your pocket! 🙌💰

Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

12/28/2024

What’s better than happy hour? Not much… except christening your new home with some champagne! 🥂🏡

Imagine celebrating with friends, clinking glasses, and knowing you scored an amazing mortgage rate to make it happen! If popping bottles in your own place is on your list, let’s talk about getting you there

Call Me Today!
Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

12/27/2024

Imagine you’re searching high and low for that perfect home 🏡 — every open house, every listing, until you finally find ‘the one.’ But here’s the kicker: there’s a lien on it. 😬

Liens can be attached to properties, meaning any debt or legal claim follows the property itself, not the owner.

Here’s what you need to know:

✅ Mortgage liens – These stay on the property until the mortgage is fully paid. Make sure all mortgage liens are resolved before you buy.

✅ Income and property tax liens – Unpaid taxes? These could mean the government has first rights on the property’s sale. Check for any tax liens early on.

✅ Judgment liens – If there was a court case against the previous owner, a judgment lien might be attached. This needs to be cleared before moving forward.

✅ How to check for liens – Start with public records searches or work with a title company to uncover any claims on the property.

✅ Removing a lien – Insist that the seller clears all liens before closing to avoid any lingering issues!

Looking to buy a home in 2025? Call Me Today!

❤️ Like this post, 💾 save for later, and share with anyone you know who could benefit from this info.

Think Mortgage! Think Joe T!

12/26/2024

90% of people make THIS credit card mistake – and it’s costing them BIG! 😬

Here’s the scoop: instead of paying the total balance on your credit card, focus on paying just the statement balance by the due date. Why? This trick could save you tons on interest, boost your credit score, and free up funds for bigger goals – like investing or buying a home! 🏡💸

Here are some smart ways to use your credit cards if you’re working towards homeownership or investing:

Home Improvement Projects – Use 0% interest credit cards to fund renovations that add value, like a kitchen or bathroom upgrade, and build equity without big upfront costs.
Closing Costs – Short on cash? A credit card can help cover closing fees, letting you hold onto more savings for future expenses or investments.
Earn Points for Future Expenses – Rack up rewards on purchases related to moving or setting up your new place. Later, redeem those points for travel, furniture, or other essentials!
Emergency Fund Flexibility – Instead of dipping into savings, a credit card can act as a backup for unexpected home expenses, leaving your cash available for opportunities like real estate investments.
Investment Property Expenses – Use a 0% APR card to cover start-up costs for an investment property (like minor repairs or furnishings) and let rental income help pay it off over time.
Down Payment Cushion – While credit cards can’t usually fund the down payment itself, they’re great for related costs like inspections or appraisals, keeping your cash in high-interest accounts a bit longer.
Credit cards can be powerful tools for building credit and funding your future – just be smart about them!

Want to learn more mortgage and money-saving tips? Call Me Today!
Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

……

12/25/2024

Santa’s made his list, but let’s add a lower mortgage rate and the home you’ve been dreaming of to it! 🎅🏡

Instead of a wishlist full of holiday gifts, make this season unforgettable with the ultimate present – a smart mortgage plan! Whether it’s financing extra space for holiday gatherings or a cozy spot to decorate each year, there’s no better time to start your home journey.

Ready to unwrap a mortgage that fits your needs? Let’s make it happen 🎁

Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

12/24/2024

🎄 All I want for Christmas is… a lower interest rate and a bigger closet! 😆 Because let’s face it, who wouldn’t love a little extra room and a lower monthly payment under the tree?

Whether you’re looking to buy, refinance, or just dreaming big for 2025, let’s talk about making it happen! Drop a 🎁 below if you’re ready to unwrap new possibilities in the new year!

Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

DecemberMortgage

12/23/2024

Ever wonder if paying off your mortgage faster is the right move? Let’s say you’re thinking about lowering your amortization. It sounds good, right? Shorten the time, save on interest, and own your home sooner. But here’s the catch: those monthly payments are going to jump. 📈

Imagine this: You’re cruising along, making your regular mortgage payments, but suddenly life throws you a curveball – maybe it’s a car repair, a medical bill, or an opportunity you can’t pass up. With a shorter amortization, your budget’s a bit tighter, so flexibility could be a challenge.

Here’s a simple breakdown to consider:

👉 Higher Monthly Payments
Lowering your amortization means you’ll pay more each month. Make sure it fits comfortably in your budget!

👉 Long-Term Savings on Interest
Paying off your mortgage faster reduces the total interest you’ll pay over the years, which can mean major savings.

👉 Balancing Flexibility
Life can be unpredictable. A shorter amortization gives you less wiggle room if unexpected expenses come up. A longer term with extra payments might offer a bit more breathing room.

So, the question is: Do you prioritize speed, or do you value the flexibility? There’s no right or wrong answer. If you’re curious about which option is best for you, send me a DM, and let’s figure it out together!

Think Mortgage! Think Joe T!

TipoftheDay

12/22/2024

Getting pre-approved is like trying on the perfect outfit—when it fits just right, you know it’s meant to be! 😉 Ready to find your financial fit?

Call Me Today!
Think Mortgage! Think Joe T!

Mpire Financial NMLS 2108504

12/20/2024

Did you know that down payment gifts from family or friends can be a big help—if you follow a few essential rules?

Here’s a quick guide to make sure your gift doesn’t hold up your mortgage approval!

✅ DO: Document the Gift
Lenders require a ‘gift letter’ stating that the money is truly a gift, not a loan. Example: If your parents are gifting you $10,000, they’ll need to provide a letter confirming they don’t expect repayment.

❌ DON’T: Deposit Cash Without Proof
Avoid depositing large sums of cash without documentation. If your gift isn’t traceable, it could raise questions with lenders. Stick to checks or bank transfers, and keep records.

✅ DO: Know the Rules for Gift Givers
Certain loan programs only allow specific people, like close family members, to gift you funds. Example: A cousin may be allowed, but a friend might not qualify. Always check with your lender to confirm.

❌ DON’T: Assume Any Gift Amount is Fine
Some lenders have limits on how much can be gifted. Example: FHA loans allow your entire down payment to be a gift, but some programs require you to contribute a portion yourself.

❤️ Like this post and 💾 save for future reference. Share with anyone who might benefit from this info

Call Me Today!
Think Mortgage! Think Joe T!

Mpire Financial LLC NMLS #2108504

12/15/2024

Happy National Ugly Christmas Sweater Day! 🎄 Just like your festive sweater, getting pre-approved for a mortgage might seem a little…uncomfortable at first, but trust me—it’s totally worth it in the end!

Consider this your invitation to layer up in financial confidence and make sure you’re all set to snag your dream home in 2025. Whether your taste leans more cozy or cringe, I’ve got a loan option that’ll fit better than that sweater from last year. 😉

Ready to cozy up with a mortgage pre-approval? Drop “READY” below and let’s chat!

Call Me Today!
Think Mortgage! Think Joe T!

Mpire Financial LLC NMLS #2108504

12/14/2024

“🎄 Reminder: I make getting a mortgage easier than untangling Christmas lights! Why spend hours wrestling with wires when you could be unwrapping your dream home?

Skip the stress and let’s get you pre-approved faster than you can say, ‘Where’s the end of this string?’ 😉

Thinking of making a move in 2025? Call me today and let’s get started! ❤️🎁

💾 Save this post for a laugh (and a reminder of who’s got your back in the mortgage game)

Think Mortgage! Think Joe T!

Mpire Financial LLC NMLS #2108504

Address

8811 Teel Pkwy, PO Box 5802
Frisco, TX
75036

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	10am - 4pm

Website

http://www.loansbyjoet.com/

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