Brian's Loan Team - NMLS# 1915689

Brian's Loan Team - NMLS# 1915689 I'm a mortgage broker and realtor! I can handle all your real estate needs. NMLS 1915689 SA707947000

Brian is a licensed Real Estate Agent as well as a licensed Mortgage Loan Officer. He has immense experience working with reputable lenders including Bank of America, Loan Depot, Quicken Loans and now Price Mortgage Brokerage, along with West USA Realty. He has gained a unique skillset due to his multiple expertise that gives him invaluable market insights that he applies to support his clients in

achieving their real estate goals. If he's not helping a client find a home, you'll most likely find him volunteering at church or spending time with his family.

05/12/2023

Market update! I see better mortgage rates in our horizon. 🏡📈🌄

04/21/2023

1-0 buy-down home loan. 🏡💰
With high interest rates and not knowing when exactly the feds will pull back on them, a temporary rate buydown is a great option!
Have the sellers pay for a 1% lower interest rate for 1 year.
Feel free to ask me any questions you might have. Hope this helps!

Ready for your own space?3% down is available for everyone, including first-time buyers! If you’re ready to make the big...
02/17/2023

Ready for your own space?

3% down is available for everyone, including first-time buyers! If you’re ready to make the big move from apartment dweller to homeowner, you know how to reach us!

02/03/2023

Down Payment Assitance GRANT

It covers your minimum FHA 3.5% down payment IN FULL to buy a home.

Msg me to see if you qualify for a home loan!
AZ, CA, TX.

01/26/2023

Need help with coming up with the money needed to buy a home. Here are 3 alternative options!

1. Down payment assistance
2. Gift funds
3. Withdraw from your retirement account

Msg me for any questions. 😊

In a perfect world, we all want to purchase at the perfect time right? When both rates and values are low.I've seen clie...
01/23/2023

In a perfect world, we all want to purchase at the perfect time right? When both rates and values are low.

I've seen clients get burned with this wait and pray strategy more times than I can count! The truth is, the best time to buy is when you can afford it.

Shoot me a message or give me a call to discuss your options!

01/07/2023

🏡 Mortgage tip: CREDIT
- How its measured, how to check it, how increase your score and how to fix it.
Tried to keep this video short and straight to the point!

It's a little long (3ish min) but worth it for those needing to work on their credit.

Credit is so valuable in life and can be used for you, or against you.

35% is based on payment history
30% credit utilization (keep credit usage under 10% of combined balances)
15% length of credit
10% types of credit you have
10% New credit (short term negative impact)

If new to credit, cheapest way to build credit is be added as an authorized user to someone's credit account or start a secured credit card with a lender.

To fix your credit:
- pay past due owed and request late reporting be removed
- if debt charged off and in collections, request a settlement if available to save on money. (May or may not report as paid in full.)
Payment plans may be available as well.

One of the many benefits of working with a broker is the cost savings! Data doesn’t lie, the cost savings in 2022 should...
09/15/2022

One of the many benefits of working with a broker is the cost savings! Data doesn’t lie, the cost savings in 2022 should be even higher! 💸

One of the biggest misconceptions that first time home buyers have is the need for a large down payment.The typical firs...
06/28/2022

One of the biggest misconceptions that first time home buyers have is the need for a large down payment.

The typical first time home buyer puts down just 7%!

When you’re ready to stop renting and start owning, let me know 😊🏡

Did you know we have a loan program that allows you to use the equity in your current home to purchase a new home - with...
06/07/2022

Did you know we have a loan program that allows you to use the equity in your current home to purchase a new home - without needing to sell your home first?

It's called a Bridge Loan! Here is the rundown:

✅ Collateral must be your Primary Residence
✅ Can go up to 90% of your current homes value
✅ Max loan amount is $250,000
✅ Interest only payments for 6 months
✅ No pre-payment penalty
✅ Requires at least 680 FICO score
✅ Can go up to a 50% DTI (debt-to-income) ratio
✅ Closing costs can be rolled into the bridge and paid out of loan proceeds

Shoot me a message to learn more!

Address

Gilbert, AZ
85296

Telephone

+16027568396

Website

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