Ryan Kelley at Guaranteed Rate NMLS #1509566

01/06/2025

Whether you’re a newbie at real estate investing, or a seasoned pro - Rate’s got your back with our DSCR loans!

- Borrow up to $3M.
- Based on rental income verification only.
- Can do the loan in the LLC’s name.
- Single-family residential (1-4 unit) investment properties only.

CALL or TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

01/04/2025

01/03/2025

Do you have $10,000 or more in credit card and/or student loan debt? Is what you owe climbing every month due to their sky-high finance charges?
If you own a home, you may qualify for a CASHOUT REFI. Consolidate all of your debt into ONE loan, with ONE payment, for a MUCH lower rate!

For more info:

CALL / TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

01/02/2025

DID YOU KNOW?? First-Generation Home Buyers in the state of NJ can get up to $22,000 for down payment and closing costs! 💥💰🥳

NJHMFA is giving an additional $7,000 for down payment and closing costs through its *NEW* Smart Start Plus First-Generation Home Buyer Program! (This is on top of the $10,000 - $15,000 grant.)

A FIRST-GENERATION HOMEBUYER is defined as a first-time homebuyer who is either:

AN INDIVIDUAL ..... Whose parents or legal guardians do not have any present ownership interest in any residential real property in any state or territory of the US, or outside of the US; AND
... Whose spouse, or domestic partner, and each member of whose household has not, during the 3-year period ending upon acquisition of the eligible home to be acquired using such assistance, had any present ownership interest in any residential real property used as their principal residence in any state or territory of the US, or outside of the US.

~ OR ~

AN INDIVIDUAL ..... who has at any time been placed in foster care in the State of New Jersey.

See graphic for a breakdown by county.

CALL/TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

01/02/2025

Attention PENNSYLVANIA BUYERS !!! Did you know you can get 5% of the home’s purchase price or appraised value (whichever is lesser) to use for your down payment and closing costs??!!

And you don’t need to be a 1st Time Buyer if you’re a qualified Veteran, or purchasing a Home in Philly/urban target area!

- Minimum 660 FICO
- Eligible with FHA, VA, USDA and Conventional mortgage programs
- Income and purchase limits apply
- Must occupy property as primary residence within 60 days of closing
- May require housing counseling through a HUD-approved housing counseling agency
- Forgivable after 10 years

CALL / TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

[A 1st Time Buyer is defined as never having owned a home, or haven’t owned a home in 3 years.]

12/26/2024

Thinking about buying a home or making some updates? We’ve not only rounded up the most popular features homeowners and buyers are looking for, but we’re also sharing ideas to make those wishes come true.

https://www.rate.com/resources/winter-wishlist?LOID=35147

12/16/2024

Get ready for what could be an exciting year to buy a home. No matter what 2025 brings, here are 8 to-dos that will put you in a great position to become a homeowner.
Read this then call me to get started!

Ryan

CALL/TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

https://www.rate.com/resources/getting-ready-to-buy-in-2025?LOID=35147

12/05/2024

I posted about the new Conventional limits, but wanted to add the new FHA limits as well! The $$ below are for single family properties; 2-4 unit properties are even higher, so contact me for those amounts!

-Ryan
CALL / TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

12/03/2024

GREAT NEWS!! The 30-yr Conforming Loan Limit has increased to $806,500 for 2025!

Which means…

– 3% down gets you a home priced at $831,443
– 5% down gets you a home priced at $848,947
– 10% down gets you a home priced at $896,111
– 20% down gets you a home priced at $1,008,125

Why is this a big deal? Because loan amounts above the conforming limits are considered JUMBO loans which have much stricter requirements than conventional loans (i.e., higher: down payments, credit scores, income, cash reserves, etc.) and potentially a higher interest rate.

Ryan Kelley
CALL/TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley

https://www.rate.com/resources/conforming-loan-limit-2025?LOID=35147

12/02/2024

The graphic says it all! We harness the power of AI underwriting so you and your clients can make faster and more rock-solid offers. What used to take days, then hours, now takes minutes.

If you want to help your clients get the home they want - call me about PowerBid Approval.

CALL / TEXT: (856) 904-9532
APPLY: Rate.com/ryankelley