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Tara Sacco Mortgage Originator for Contour Mortgage Corp

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Tara Sacco Mortgage Originator for Contour Mortgage Corp

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Tara Sacco Mortgage Originator for Contour Mortgage Corp, Mortgage brokers, 990 Stewart Avenue Suite 660, Garden City, NY.

03/28/2025

🌺 Spring is the perfect time to enhance your home’s value with strategic renovations. Here are the top five projects that offer a high return on investment:
1. Kitchen Remodel: Updating countertops, cabinets, and appliances can significantly boost your home’s appeal and functionality.
2. Bathroom Renovation: Modernizing bathrooms with new fixtures and finishes can create a spa-like atmosphere that attracts buyers.
3. Energy-Efficient Upgrades: Installing energy-efficient windows, insulation, and smart thermostats can lower utility costs and increase home value.
4. Curb Appeal Enhancements: Simple improvements like painting the front door, adding window boxes, or installing a new mailbox can make a lasting first impression.
5. Outdoor Living Spaces: Creating or updating patios, decks, or gardens can extend your living area and appeal to potential buyers.
Investing in these renovations this spring can make your home more attractive to buyers and potentially increase its market value.

03/27/2025

🏡💼 Market Value vs. Appraised Value: What’s the Difference? 📊💰
As a mortgage originators, we often deal with both values in the homebuying process:
📌 Market Value: This is what a willing buyer would pay for your home in the current market. It can fluctuate based on supply, demand, and market conditions.
📌 Appraised Value: An appraiser’s professional assessment used by lenders to determine if the home’s value supports the requested mortgage amount. It considers factors like the home’s condition, location, and recent sales of comparable properties.

Key Differences:
Market value is used for the buying/selling process, while the appraisal value is primarily for securing financing and assessing the property’s true worth in a legal or formal context.

Understanding these values is essential, as they impact your loan approval and the amount you can borrow. Need more insight? Feel free to reach out! 💬🏠

03/26/2025

Considering buying down your mortgage points? Here are three compelling reasons to do so:
➡️ Lower Monthly Payments: By paying for points upfront, you can reduce your interest rate, leading to decreased monthly mortgage payments.
➡️ Long-Term Savings: A reduced interest rate means you’ll pay less over the life of the loan, resulting in significant savings in the long run.
➡️ Potential Tax Benefits: In some cases, the cost of purchasing points may be tax-deductible, offering additional financial advantages.
Remember, buying points is an upfront investment that pays off over time. It’s most beneficial if you plan to stay in your home for an extended period.

03/24/2025

Understanding mortgage interest rates is essential for anyone considering a new home purchase.
Here are some common questions to help clarify the basics:
➡️What is a mortgage interest rate?
It’s the annual cost you pay to borrow money for your home, expressed as a percentage of the loan amount.
➡️How is my mortgage interest rate determined?
Rates are influenced by a variety of factors, including the overall economy, inflation, and your personal financial situation—such as the loan program, loan amount, your qualifying credit score, loan to value, debt to income ratio, and loan term.
➡️What’s the difference between fixed and adjustable rates?
A fixed-rate mortgage keeps the same interest rate for the entire loan term, giving you predictable monthly payments. On the other hand, an adjustable-rate mortgage (ARM) starts with a fixed rate for a specific period and then adjusts periodically based on the prevailing market conditions.
➡️How do interest rates impact my monthly payment?
Higher interest rates result in higher monthly payments, while lower rates reduce them. Even a small shift in the rate can have a big effect on the total amount you’ll pay throughout the life of the loan.
Got more questions about mortgage interest rates? Feel free to leave them in the comments below, and let’s explore this together!

03/19/2025

Did you hear the news? Refinance Application-Level Index is up 67.2 percent compared to the same week last year📈
But the real question is… should YOU refinance? 🤔 With interest rates shifting and homeowners looking for ways to save, refinancing is making a comeback. But before you jump in, ask yourself:

✅ Can I lower my rate enough to make it worth it? AND Am I planning to stay in my home long enough to break even on the costs?
✅ Could shifting from one mortgage product to another be worthwhile?
If you have an FHA mortgage and want to remove the monthly PMI.
If your current mortgage is an adjustable-rate mortgage (ARM) and it no longer makes sense for your financial situation, refinancing into the security and stability of a 30-year fixed-rate mortgage may be a good decision.
On the other hand, switching to an ARM could make sense, if you plan to move before the fixed-rate period on the loan ends.
✅ Can I build equity faster?
If your financial situation has improved since your purchase, refinancing to a loan with a shorter term (e.g., from a 30-year fixed-rate mortgage to a 15-year fixed-rate mortgage) will allow you to build equity faster, own your home sooner and pay less in total interest.
✅ Will a cash out refinance be beneficial?
If you’ve built up significant equity in your home over the years and could use this money for home improvement, consolidate debt to improve your financial situation, or even possibly obtain funds to buy out another person on title.

Not every refi makes sense—but when it does, it’s a game-changer. Want to see if it makes sense for you? Drop a “REFI” in the comments, and let’s chat! 👇💬

03/17/2025

Let’s be real—today is the only day we all suddenly remember we have some Irish in us 😂
Whether you’re out chasing rainbows, wearing every shade of green, or just here for the 🍻, one thing’s for sure—St. Patrick’s Day is all about good vibes and even better luck!
But when it comes to buying a home? Luck won’t get you the best mortgage rate… but I might 😉
SOOOO… Enjoy the green beer and leave the mortgage magic to me.
Drop a 🍀 if you’re celebrating today!

03/11/2025

Mortgage rates are DROPPING!
So… is now the time to buy? Let’s talk about it. 👇
✅ Homebuyers: A lower rate means a lower monthly payment, which = more home for your money. If you’ve been waiting for a better time to buy, this could be your sign!
✅ Refinancers: Got a rate higher than 6.87%? It might be time to refi and save some serious cash on your monthly payment. Who doesn’t love extra money in their pocket?
✅ Affordability: When rates drop, your buying power goes up—meaning you might qualify for more house without increasing your payment.
✅ What’s next? No one has a crystal ball, but one thing’s for sure—waiting too long could cost you!
Thinking about buying or refinancing? Don’t wait until rates shift again!
I am here to help you navigate the mortgage process with ease. Contact me today for a free consultation and lets find the best loan options for you.

03/06/2025

Ready to make your home-buying dreams a reality? 🏡 Start with this easy formula to set your budget:
1️⃣ Take your gross/ pre-tax salary
2️⃣ Add your partner’s salary
3️⃣ Divide by 12
4️⃣ Multiply by .28
5️⃣ That’s your recommended monthly housing payment!

Know your numbers, shop smarter, and avoid house-broke regrets! Want a customized breakdown based on YOUR income? Drop “🏡“ in the comments, and we’ll go from there!

03/05/2025

Today’s Reminder: You don’t need to make more money to afford a home—you may just need to lower your debt!

Here’s how a small change can make a BIG impact on your home-buying power:

🔹 Example: Let’s say you have a $300/month car payment. That $300 counts against your debt-to-income ratio (DTI), potentially lowering the amount you qualify for in a mortgage.

🔹 Solution: If you pay off your car loan (or even refinance for a lower payment), your DTI improves. That could increase your mortgage approval by $15,000+

✅ Quick Fix You Can Do Today:
→ Pay off small debts first (like a credit card with a $500 balance) to quickly lower your DTI.
→ Make extra payments on loans if possible. Even $50 extra a month adds up!
→ Hold off on financing new purchases until after you’ve closed on your home.

Every dollar of debt you reduce = more home-buying power. Start today and watch your mortgage options grow! 🏡💪

❤️ Save this for later & share it with someone who needs to see this!

03/04/2025

If you’re a homeowner (or thinking about becoming one), don’t miss out on these tax perks! 👇🏼
✅ Homestead Exemption – A tax break that reduces the taxable value of a home, helping homeowners pay lower property taxes.
✅ Mortgage Interest Deduction – Can be used as an itemized deduction to write off the interest paid on a mortgage every year! More savings, less taxable income!
✅ Property Tax Deduction – Allows homeowners to reduce their taxable income by deducting paid property taxes (within limits.) which can reduce the amount of taxes you owe!
Homeowners are you using these tax breaks?! If not, it’s time to start! 💸
-> Tag a future homeowner & SAVE this post for tax season!

03/03/2025

Spring is on the horizon and so are changes in the housing market! 🌿 March isn’t just about blooming flowers—it’s about fresh opportunities for homebuyers as mortgage rates dip, inventory rises, and home prices stabilize. Here’s what you need to know before making your next move:

📉 Mortgage rates are trending down—the average rate on a 30-year fixed mortgage in the U.S. decreased to 6.59%, the lowest since December 2024! Lower rates = more affordability.
🏡 Home prices are still rising but at a slower, steadier pace—a 2.2% increase is projected over the next year. No more runaway prices, just steady growth.
📈 Inventory is improving! Forecasts predict an 11.7% increase in homes for sale this year, meaning more options and less bidding war drama.
✔️ Home sales are expected to climb—with experts predicting up to a 12% boost in 2025. The market is heating up, but smart buyers are already making moves.
💡 What does this mean for you? If you’ve been waiting for better conditions, now is the time to get pre-approved and start house hunting before competition picks up!

Drop a ‘READY’ in the comments, and let’s get you set up with a mortgage strategy that works for YOU. ⬇️
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Address

990 Stewart Avenue Suite 660
Garden City, NY
11530

Telephone

+15167491879

Website

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