Linda Sulser at Integrity Home Mortgage

02/20/2025

How's your mortgage feeling today? Markets change quickly, so it makes sense to monitor your loan against current conditions. Follow this link to perform a mortgage checkup using today's sample rates. Would you like me track your loan regularly? Please comment below or reach out on your preferred channel to get started.

It's easy to see how your mortgage is holding up against today's rates. Click to see if you could save.

02/18/2025

Understanding that lower interest rates may not always benefit long-term investments is crucial. Investing in property now can lead to future appreciation, especially if the market outperforms potential savings from waiting.

Exploring refinancing options can also strengthen your financial strategy! As your mortgage decreases, you build equity, enhancing your financial security.

Let’s strategize together! Making informed choices during interest rate fluctuations can lead to successful investments and homeownership.

Linda Sulser
[email protected]

02/17/2025

Happy President's Day from all of us at IHMC!

Today, we celebrate the leadership and values that inspire us to help families achieve their dreams of homeownership.

Linda Sulser
[email protected]

02/14/2025

Home is where love grows, and we're here to help you find yours.

Wishing you a day filled with love, laughter, and the comfort of home.

Linda Sulser
[email protected]

02/13/2025

This is the time to gather documents to prepare for a home loan application.

Below is a detailed list of the necessary documents you'll need to kickstart the home loan application process.

-Paystubs for the last 30 Days

-Copies of your W2s/1099's for the past 2 years. All pages and schedules

- Most recent Retirement/Disability/Social Security Awards Letter

-Documentation of any other sources of income

-Your most recent 2 Bank Statements. All pages even if blank

- Documentation to support funds needs for your transaction.

-Copy of your government issued photo ID

-If you're a Service Member applying for a VA loan, please provide a copy of Certificate of Eligibility

When you're prepared to embark on this journey, don't hesitate to contact us, and we will assist you in starting your path to homeownership.

Linda Sulser
[email protected]

02/11/2025

Time for tax returns!

Prepare by gathering essential documents like W-2s, 1099s, retirement statements, and mortgage papers, especially if you're a new homeowner. The 1098 Tax Form allows for deductions on mortgage interest, while the Closing Statement is crucial for deductions on points or interest. Property tax deductions may apply but might not be listed if you opted out of escrow.

Homeownership offers many tax benefits, so consulting a tax professional is vital to maximize these advantages.

Linda Sulser
[email protected]

02/10/2025

"It's not you...okay, actually, it is you.

You keep getting more expensive, give me nothing in return, and honestly...I deserve better.

I'm moving on - to stability, equity, and a home I can truly call mine. No hard feelings, but I'm ready for something real."

Ready to break up with rent? Let's talk!

Linda Sulser
[email protected]

02/06/2025

Lenders evaluate several key factors to determine loan qualification:

Credit: Your FICO score from the three major bureaus (Experian, Equifax, Trans Union) reflects your credit history and creditworthiness.

Income: Monthly pre-tax income is assessed to ensure you can repay the mortgage. Self-employed individuals must provide two years of tax returns for income verification.

Debt to Income (DTI): This ratio compares your debt to income, indicating your ability to manage mortgage payments alongside existing debt, calculated as front-end and back-end ratios.

Property: The property's condition and type must meet standards for collateral, requiring at least average condition and an appraisal during the approval process.

Are you ready to discover what you qualify for? Get in touch with us, and we'll be happy to assist you!

Linda Sulser
[email protected]

02/04/2025

USDA loans are backed by the Rural Housing Division of the U.S. Department of Agriculture.

These loans are restricted to designated "rural" areas, but you might be surprised to find that some suburbs of major metropolitan regions qualify under this definition.

This must be your primary residence

Not for investment use

USDA Guarantee Fee and closing costs may be financed

Gift money, grant money, and seller contributions are allowed

Does this program spark your curiosity? Get in touch, and let’s explore whether this is the perfect fit for you!

Linda Sulser
[email protected]

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA, USDA/RA, or the Federal government.

02/03/2025

When seeking or receiving advice, we often turn to those we know, like, and trust.

However, the real challenge is assessing whether that advice is genuinely sound. Just because we trust the person giving the advice doesn't necessarily mean we can trust the accuracy of the information.

We stay updated on the latest trends and conduct thorough market analyses. We collaborate daily with professionals dedicated to helping others achieve home ownership.

We want you to know that we’re here to assist you as you gather information and make informed decisions. Just give us a call!

Linda Sulser
[email protected]

01/30/2025

Whether you've just graduated or completed a certificate program, you're likely eager to embark on your next journey. If buying a home is part of your plans, we might have a program that fits your needs perfectly!

FNMA and FREDDIE Considerations:
2 years work history required
School transcripts if job history is under 2 years
Part-time income counts towards job history
Variable income must show 12 months of stability
High school transcripts not accepted
Income must be stable and expected to continue

FHA Considerations:
2-year work history OR proof of school enrollment OR military service in the last 2 years

VA Considerations:
2-year work history in current position OR evidence of training/education related to the role

USDA Considerations:
1 year work history
1 year combined from employers, military, or education
High school diploma without a career-based certificate does not meet requirements

Contact us to explore your options!

Linda Sulser
[email protected]

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA, USDA, VA or the Federal government.

01/28/2025

Curious about mortgage terminology? Are you confused by all the jargon being used? Don't worry we got you!

Today's word is "Escrow"!

Linda Sulser
[email protected]