Karlee Smith, Universal Lending, NMLS #2267189

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Grand Junction, CO
Karlee Smith, Universal Lending, NMLS #2267189

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Karlee Smith, Universal Lending, NMLS #2267189, Finance, 354 Main Street, Grand Junction, CO.

• - NMLS #2267189
• - CO License #: MLO.100533723
• - Universal Lending, NMLS #2996
• - Link to Privacy Policy: https://www.ulc.com/PrivacyPolicy.html
• - Link to Licensing Statement: https://www.ulc.com/LicensingStatement.html
• - Link to Consumer Access: http://www.nmlsconsumeraccess.org/
• - Equal Housing Opportunity

08/15/2023

From renter to homeowner! 🚪 🏡 Take the leap into homeownership and let me be your guide every step of the way. As your trusted advisor, I'll help you navigate the process and secure the right mortgage. 💰 Together, we'll turn your aspirations into keys to your new home! 🔑

Contact me today, and let's make your homeownership dreams a reality. ❤

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

08/11/2023

🔑 Building your future, one brick at a time. 🏡💪 Owning a home isn't just about having a place to live—it's an investment that grows with time. 📈💰 Here's 4 ways to increase your home's equity and build wealth for your family's future.

Let's take this journey together! 🤝

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

08/10/2023

📚 It's Back-to-School Month! 🍎🏫

🎉📚🍎 As summer comes to an end, the excitement of a new academic year fills the air! Whether you're a student, parent, or teacher, this month is all about embarking on a journey of growth and knowledge. I wish you a wonderful 2023/2024 school year!!

08/03/2023

Embrace the possibility of affordable homeownership and rural living through USDA loans. 🌾🏠 I am here to assist you in obtaining a home loan with a low or even zero down payment option, transforming your homeownership dreams into reality. Seize this incredible opportunity - reach out to me for more information!

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

08/02/2023

A house is made of bricks and beams, but a home is built with love and dreams. 🏠❤🥰

07/29/2023

🏡 Unlocking Your Dream Home's Potential with FHA 203k Loans! 🏡

Are you envisioning your perfect home, but it needs a little love to become a reality? 🛠️ Look no further! Introducing the FHA 203k loan - your ticket to turning that fixer-upper into the home of your dreams. ✨💪

🏗️ Renovate with Confidence: The FHA 203k loan is specially designed to help homebuyers and homeowners finance both the purchase or refinance of a property and the cost of necessary renovations, all in one convenient package. 🏠 Whether it's upgrading the kitchen, adding an extra bedroom, or even transforming the entire layout, this loan has got you covered!

Contact me today for more information on FHA 203k loans!

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

07/27/2023

Credit cards can be a useful tool for managing your finances, but they can also be a source of trouble if not used responsibly. Here are some pros and cons of using credit cards or your finances. 💳💰
✅Pros 👇:
✅Convenience: Credit cards offer a convenient way to make purchases without having to carry cash. They are widely accepted and can be used for online purchases, making reservations, and even paying bills.
✅Rewards: Many credit cards offer rewards programs that allow you to earn cash back, points, or miles for your purchases. These rewards can add up quickly and can be used for travel, shopping, or other purchases.
✅Building credit: Using credit cards responsibly can help you build your credit score over time. By making on-time payments and keeping your credit utilization low, you can improve your credit score, qualify for better interest rates, and loan terms in the future.
❌Cons 👇:
❌High interest rates: Credit cards typically have higher interest rates than other types of loans, which can lead to debt if you carry a balance. If you don’t pay off your balance in full each month, you may end up paying more in interest charges than you initially borrowed.
❌Temptation to overspend: The ease of using credit cards can make it tempting to overspend and accumulate debt. Credit cards can create a false sense of purchasing power, leading you to buy items you may not have been able to afford otherwise.
❌Fees: Credit cards can come with fees such as annual fees, balance transfer fees, and late payment fees. These fees can add up quickly, especially if you don’t keep track of your account activity.

To effectively use credit cards, it’s important to only charge what you can afford to pay off each month and to regularly monitor your accounts for any fraudulent activity. It’s also important to understand the terms and conditions of your credit card agreement, including interest rates, fees, and rewards programs.

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

07/20/2023

🏠🔑Closing day is a BIG DAY and I am here to share a few tips to help get you prepared:

✅ Identification: Bring a valid driver’s license or State issued identification with you to the closing.
✅ Sign Your Closing Disclosure (CD): Your Closing Disclosure with your final numbers will be sent to you at least three days before closing.
✅ Cash to Close: If you are required to bring money to the closing, the money must be in the form of “good funds.” This means you will need to bring a cashier’s check or wire the funds to the title company.
✅ Everyone Present: Unless you have arranged for a Power of Attorney, all parties will need to be present at the time of closing to sign the documents.
✅ Utilities: If you are purchasing a property, you’ll need to call the utility companies prior to closing to let them know you will be the new owner of the home in order to transfer service. Your water and sewer will automatically be transferred by the title company.

I’m here to guide you every step of the way, ensuring that you have all the necessary documents in order and are financially ready for the big day. Together, we'll navigate through the final preparations, so you can confidently step into your new home! 🏠 ❤️

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

07/18/2023

The FREE tool that every homeowner needs! Track your home's wealth, save more money, and build wealth faster. Get a monthly report that shows the equity growth of your home and the opportunities you have as the homeowner! 🏠📈💲

Contact me to get your free monthly Homebot report sent to you! 📱 ✅

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

07/14/2023

Understanding mortgage terms is key in the homebuying process! 💥🔑 So, what is “Cash-to-Close?!” 🤔 Cash-to-Close is the total amount of money that the borrower is required to bring to the closing table for their purchase or refinance. It encompasses various costs such as the down payment, closing costs, and any additional expenses required to complete the transaction. This amount can be securely wired to the title company or brought to closing as a cashier’s check.

Have questions on cash-to-close or other mortgage terms? I'm here to be your mortgage resource! 🤝📱

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

07/12/2023

Unlocking the Mortgage Process FAQs: Get ahead of the homebuying questions! 🏠👇🔑

1. What is Pre-Approval, and why is it important?
👉A mortgage pre-approval is a crucial step before house hunting. It involves the lender evaluating your financial situation and creditworthiness to determine the maximum loan amount you can borrow. A pre-approval gives you a clear idea of your budget, strengthens your offer when you find a home, and streamlines the overall mortgage process.

2. What are closing costs, and what do they include?
👉Closing costs are the fees and expenses associated with your mortgage loan. These fees can vary, but typically include charges such as loan origination fees, appraisal fees, title insurance, attorney fees, and prepaid items like property taxes and homeowner's insurance. Understanding closing costs upfront helps you plan your budget accordingly.

3. What is an escrow account, and why is it necessary?
👉An escrow account is an account held by the lender to collect and disburse funds for property taxes and insurance on your behalf. It ensures that these essential expenses are paid on time. Each month, a portion of your mortgage payment is allocated to the escrow account, and the lender manages the funds for you.

4. Can I pay off my mortgage early?
👉Yes, you can pay off your mortgage early. Some mortgages have prepayment penalties, so it's essential to review your loan terms. Making extra payments towards your principal balance or refinancing to a shorter loan term can help you pay off your mortgage faster and potentially save on interest payments.

5. What are mortgage points, and should I consider them?
👉Mortgage points, also known as discount points, allow you to lower your interest rate by paying an upfront fee. Each point typically costs 1% of the loan amount and can lead to long-term interest savings. Considering paying for discount points depends on your financial situation, future plans, and how long you intend to stay in the home.

Have other questions about the mortgage process? I am here to help!

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

07/07/2023

Are you dreaming of owning a home but struggling to save up for a down payment? We've got you covered! Universal Lending offers a variety of down payment assistance programs to help make your dream of homeownership a reality. 🏠🤝🔑 From grants to second mortgages, we have options to fit your unique financial situation.

Contact me today to learn more and get started on your journey to homeownership! 📱

Direct: (303) 759-7437 | Fax: (800) 851-6204
License: CO MLO: 100533723 | NMLS: 2267189
[email protected] | www.candicefreeman.us
354 Main Street Grand Junction CO 81501
ULC NMLS 2996

Address

354 Main Street
Grand Junction, CO
81501

Telephone

+13037597437

Website

http://www.ulcpremierplus.com/

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