Julio A. Cruz NMLS 162583 at Rate NMLS 2611

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Julio A. Cruz NMLS 162583 at Rate NMLS 2611 Mortgage Banking

10/26/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/f2eFxjU6l0A/4AMLL



NMLS # 162583

10/22/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/f2eFxjU6l0A/QXPzq



NMLS # 162583

10/21/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/f2eFxjU6l0A/a5Asm



NMLS # 162583

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competit...
10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/f2eFxjU6l0A/gpPKe



NMLS # 162583

🚨🏡 First-Time Homeowner Alert! 🔑🎉Congratulations to my borrowers on purchasing their very first home! Thank you for trus...
10/15/2026

🚨🏡 First-Time Homeowner Alert! 🔑🎉

Congratulations to my borrowers on purchasing their very first home! Thank you for trusting me and Rate to handle your financing needs. It was a pleasure helping you reach this exciting milestone!

Wishing you an abundance of happiness, love, and unforgettable memories in your new home. Here’s to new beginnings and making it your own!

First-Time Homeowner Alert! Congratulations to my borrower on purchasing her very first home! Thank you for trusting me ...
10/15/2026

First-Time Homeowner Alert!

Congratulations to my borrower on purchasing her very first home! Thank you for trusting me and Rate to handle your financing needs. It was a pleasure helping you reach this exciting milestone!

Wishing you an abundance of happiness, love, and unforgettable memories in your new home. Here’s to new beginnings and making it your own!

10/15/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/f2eFxjU6l0A/IfasB



NMLS # 162583

10/14/2026

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.
https://myoc.io/f2eFxjU6l0A/xYesK



NMLS # 162583

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declinin...
10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/f2eFxjU6l0A/ESQ9g



NMLS # 162583

🏡 Buyers, Realtors, and Sellers—let’s talk about the power of a temporary buydown!With Rate’s Rate Reduce program, a sel...
10/11/2026

🏡 Buyers, Realtors, and Sellers—let’s talk about the power of a temporary buydown!

With Rate’s Rate Reduce program, a seller concession can help lower a buyer’s monthly mortgage payments for up to the first three years, depending on the option selected.

🔑 Buyers: Enjoy lower initial payments, freeing up funds for moving expenses, furniture, and making your new house feel like home.

🫱🏽‍🫲🏼 Realtors: Give your clients another strategy to consider when negotiating an offer and planning their purchase.

🏠 Sellers: Offering a buydown can help your listing stand out, attract interested buyers, and potentially sell faster.

Thinking about buying, selling, or strengthening your listing strategy? Let’s run the numbers together! 📲 704-421-5510

Subject to credit and underwriting approval. Program eligibility and restrictions apply.

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Huntersville, NC
28078

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