Trace Hawthorne Mortgage Advisor at Novus Home Mortgage NMLS #876516

08/07/2025

Ever thought about the endless possibilities of owning your very own home? Whether it's for building memories, growing your family, or just enjoying the freedom of your own space, now is the perfect time to make it happen.

Confused about where to start or what you even qualify for? That's where I come in! As your dedicated Mortgage Loan Officer, I'm here to guide you every step of the way.

DM me today to explore your options and turn your dream into reality. Your future home is waiting—why not take that step? Let's connect!

https://myoc.io/httpswwwfacebookcomtracehawthorne

06/09/2025

Thinking about enjoying the sunset from your own cozy porch? 🌅 Start the journey to homeownership today and make relaxing on your porch a daily reality. With personalized mortgage options and expert guidance from yours truly, getting those keys is smoother than ever.

What is your dream porch view? Share with me in the comments! Ready to get started? DM me to explore your options.

03/31/2025

🏡 Dreaming of sipping coffee on your very own porch while the sun rises? As a Mortgage Loan Officer, I'm here to help turn those cozy morning visions into a daily reality.

Let's chat about how you can get keys to your dream home. Whether you're a first-time buyer or a seasoned homeowner, I’ll guide you through every step of the mortgage process with ease and confidence.

Ready to start your journey home? Drop your questions below, or DM me today to take the first step.

03/18/2025

Still waiting to save up 20% for a down payment?

That myth is keeping too many renters from becoming homeowners! Our Novus programs can get you into a home with WAY less money upfront.

Let's explore your options - you might be closer to keys than you think!

03/07/2025

Time marches on this weekend. Don't forget to set your clocks ahead this Saturday Night.

Some Highlights: Don’t forget to set your clocks forward this Sunday, March 8 at 2:00 AM EST in observance of Daylight Saving Time, unless you’re a resident of Arizona or Hawaii! Every hour in the United States, 568 homes are sold and median home values rise by $1.92.

07/02/2024

A little reality talk here. We are half way through 2024. If you are looking at your monthly payments and wondering how they got this high, let's look at the numbers on a home refinance. The monthly savings, along with a no lender charge refinance when the rates go down, could be the answer. Call me at 612-245-4497 or go to www.tracehawthorne.com and drip me a line. 31 years in the business. Thanks

With over 30 years in the industry, Trace Hawthorne prioritizes people over numbers in making home dreams come true. Whether it's your first home, dream home, or investment, each holds significance. Providing personalized service, Trace is your direct contact every step of the way, available beyond....

03/31/2024

Here’s the deal: An escrow account is like a savings account for your home. When you make your monthly payment, a portion of it goes into this special account held by a third party.

But why? Well, it’s about making sure your property taxes and homeowners insurance get paid. Instead of having to save up for those big bills through the year, your lender takes care of it for you by setting aside a little bit each month. Pretty handy, right?

Ready to learn more? Reach out today!

03/29/2024

Here’s how it works: With a buydown, you pay a little extra upfront to lower your interest rate for the first few years of your loan.

Why would you want this? Well, it can help lower your monthly payments in the early years of your mortgage, making it more manageable while you settle into your new home. Think of it as giving yourself a little breathing room as you adjust to your new digs.

Ready to dive deeper into the world of buydowns? Drop me a message and let's discuss a strategy that works for you!

03/27/2024

There are more reasons than you think!

Beyond securing a lower interest rate, consider consolidating debt, shortening your loan term, accessing home equity for investments or renovations, switching loan types for stability, or removing mortgage insurance.

Ready to unlock your home's financial potential? Let's discuss your options and create a tailored refinancing plan today!

03/25/2024

While a stellar credit score is great, it's not the only way to secure a mortgage. Even if your credit isn't perfect, there are still options out there.

Let's chat about your situation and explore mortgage solutions that fit your needs, regardless of your credit score. Reach out today to start the journey toward your dream home!