A Team Loans

02/21/2025

Read if you are shopping for a home or might need to refinance in the near future:

I have a client, who is also a realtor, he's skeptical about my rates I just quoted him because I am .50% lower than the Other lender. 💪

People, if you haven't shopped me I'm guessing you could Likely be working with a predatory Lender and closing (or closed) at a higher rate. Shop me if you despise predatory lenders as much as I do. I have Zero overhead, low fees, and a Italian spice that gets deals closed and closed quickly.

A Team Loans Moto: Eliminate as many predatory lenders in the market as possible. I don't need to eliminate them permanently, I just want to eliminate them from working with my Friends or Family! 😊

Happy Friday/Snow Day in Colorado!

NMLS #2581832/1976285

07/02/2024

Hello Family & Friends,

Wishing you a Happy 4th of July from A Team Loans!!! Don't forget as you're talking to family and friends this 4th of July holiday that I'm here to pre-approve or answer any financial/lending questions one may have about refinancing or qualifying for a new home.

Be safe & I hope to swing a club or have a coffee to catch up with y'all soon!

Cheers!

03/21/2024

Hello my FB peeps!!! Welcome to my new company, A Team Loans, just wanting my community to know that I started my own company. I have an Amazing processor & support system. Hopefully we can work together at some point this year!!!

NMLS # 2581832/1976285

09/23/2022

It’s official I’m licensed in Arizona as a mortgage loan originator!!! I have lots of friends & family out there or even just “wintering” out there. That’s my plan as well… Let’s connect 🥳🏌🏽‍♀️⛳️🍜🦩

09/04/2022

Hey y’all, I just expanded my mortgage license in Nevada & close to getting licensed in Arizona. If you’re looking for a competitive rate in this crazy market, I have you covered… 💪🏽

03/28/2022

Removing PMI!!!

Just in case you hadn't heard, we have seen double digit appreciation for about 3 years. Borrowers who put less than 20% down recently are probably asking themselves how they can remove PMI from their mortgage payments. There are four ways to remove PMI on a conventional mortgage.

1) . The borrower can refinance to remove the PMI. Ah! Yeah, That's not going to happen. Right!

2) They can wait until their mortgage gets to 80% of the original value of the home through normal payments. In this case the lender must remove the PMI when the principle balance reaches 78% of the original purchase price.

3) They can make large principle payments. When this option is selected the borrower must do the following.
Make the request in writing.
Have a satisfactory payment history. Generally 24 mos. without late payments.
Meet other lender requirements such as no junior liens.
The borrower may be required to obtain an appraisal to make sure the home has not declined in value.

4). Take advantage of the market appreciation. In a hot real estate market, your home equity could reach 20 percent ahead of the loan payment schedule. In this case, it might be worth paying for a new appraisal. If they've owned the home for at least five years, and the loan balance is no more than 80 percent of the new valuation, the borrower can ask for PMI to be cancelled. If they've owned the home for at least two years, their remaining mortgage balance must be no greater than 75 percent.

02/03/2022

Good morning Everyone, here's a short article about mortgage rates being on the rise. Yes, we've been spoiled for a couple years, but getting a mortgage In the 3%'s is still Amazing! My rates are still .25%-.50% lower than most brokers. Let me know If you would like me to price something out for you...

Mortgage rates have been rising swiftly, and that has borrowers rushing in to get the last of the low rates.

07/17/2021

The FHFA removed all .5% hit to all refinances... Great time to refi, I’m going to start reaching out to all of you who were on the fence. No excuses now. Get in touch with me if you want a quote:
www.Amber5280Loans.com
[email protected]

With our on-line my1003 app, you can quickly and securely complete your loan application, check status of your loan and complete your tasks

06/26/2021

Hi Everyone! Don't forget about me and my team, we're getting more solid every single day. Hope 2021 Is treating you well!!!