Michael Cray - Loan Officer

07/10/2023

Excited to say, I was able to get a client that is currently paying between $2400-2500 in rent. Placed into a nice Condo saving her almost $600/month as a first time homebuyer, including the HOA fees. Not saying it's possible every time but If you didn't think it was possible to be a homeowner and save $, give me a call. 928-499-7102. NMLS #2027905

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06/14/2023

Deciding whether to lock your mortgage loan is a personal choice that depends on various factors. When you lock your mortgage loan, you are essentially securing the interest rate and terms offered by the lender for a specified period, typically until the loan closes.

Here are a few considerations to help you make an informed decision:

1. Interest Rate Trends: If interest rates are currently low or have been rising, you might want to consider locking your mortgage loan to secure a favorable rate. However, if rates have been declining, you may choose to float your rate and wait for a potentially better offer.

2. Loan Closing Timeline: Consider the expected timeline for closing your loan. If you anticipate a lengthy process, it might be wise to lock the rate to protect against any potential rate increases during that period.

3. Risk Tolerance: Assess your risk tolerance and financial situation. Locking the rate provides stability and certainty, whereas floating the rate carries the risk of rates increasing before closing. Evaluate your ability to handle potential rate changes and determine what level of risk you are comfortable with.

4. Lender's Lock Policy: Familiarize yourself with your lender's lock policy. Understand the terms and conditions, such as the duration of the lock, potential fees, and whether there are any options to renegotiate the rate if it improves.

It's generally a good idea to consult with a mortgage professional who can provide personalized advice based on your specific circumstances. They can help you analyze the current market conditions, assess your financial goals, and guide you in making the best decision regarding locking or floating your mortgage loan.

05/20/2023

If you're currently stuck in the endless cycle of paying $1500-$2000+ in rent every month, I have an exciting opportunity for you. I am here to show you a new path to homeownership, and it all starts with a simple phone call.

Tailored Solutions: I understand that everyone's situation is unique. I will work closely with you to understand your needs, financial situation, and preferences. Together, you'll explore personalized solutions that match your budget and lifestyle.

Affordable Options: Contrary to popular belief, owning a home can be more attainable than you think. I specialize in finding affordable housing options that fit your desired price range. Let me show you the possibilities you may not have considered!

Support at Every Step: Buying a home can be overwhelming, but you don't have to do it alone. I will be by your side, providing guidance and support throughout the entire journey. From finding the perfect property to negotiating the best deals, I got you covered.

04/03/2023

Good Morning! Are you in the market to buy a home or interested in looking to access the equity in your existing home, DM me or call me Directly at 928-499-7102. Let's just say I have options.
NMLS # 2027905