Brian Williams at Newland Mortgage NMLS #1524735

09/25/2024

🚨NEW DOWN PAYMENT ASSISTANCE ALERT!🚨

This is just like your standard FHA loan, however the lender will be GIFTING (yes I said gifting) the whole 3.5% down payment that will be forgiven AT CLOSING.

As you might imagine, the rates are a little higher (between 7.25-7.75%), and a bit more expensive than your standard FHA loan. But you have the ability to refinance in 6-7 months into a standard FHA, lowering the rate, and saving money on your monthly payment. You can also use a realtor with excellent negotiating skills to get the client up to 6% seller concession to help with the cost 😉. I am happy to connect you with a great realtor too!

Keys to the program:
- Minimum FICO 620
- No income limits & you do not need to be a first-time home buyer!
- No repayment required
- 3.5% Grant forgiven AT CLOSING
- May be used with up to 6% seller concession
- NOT OFFERED IN WASHINGTON STATE ☹

Message or call me for more details or if you have questions!

NMLS #1524735

09/20/2024

My company Newland Mortgage has negotiated a deal with the biggest lender in the US to offer a refinance incentive that is beating out a lot of lenders.

So if you or someone you know has purchased in the last 3 years is interested in learning about saving money on your monthly mortgage payment feel free to reach out or pass my contact!

NMLS #1524735

09/18/2024

The Great news we have all been waiting for!!

The Federal Reserve cut interest rates for the first time in more than four years Wednesday, ending its most aggressive inflation-fighting campaign since the 1980s.

08/26/2024

With the Fed signaling that it is ready to start lowering rates in September we should in turn see a positive effect on mortgage rates. You are going to see a ton of advertisements quoting rates for refinancing that will seem enticing.

Don't be fooled into doing something that may not be in your best interest. Don't compare your rate to your friend, colleague, or family member (Their loan amount, credit score, and product is likely different than yours).

Get with a mortgage professional like myself who can help you with a mortgage review, make sure you understand your current loan product & your options, and make an informed decision from there.

Stay ready, so you don't have to get ready! Preparation is key.

- Hit me up I'd love to help -

NMLS #1524735

06/28/2024

If you know of anyone looking to purchase in Milwaukie I know a program that has up to 55k in down payment assistance available, there is no payment for the 55k, and its forgiven after 5 years. Hit me up as I am happy to help them see if they qualify!

05/16/2024

Good news kicking off a hot summer housing market! See below for some bullet points, make sure to share this post with your friends and family, and don't hesitate to hit me up for more details.

- The biggest wholesale lender in the country just rolled out a new conventional 0% down loan program offering 3% or up to 15k towards down payment!
- The new area median income limits kick in this Saturday 5/18 which will help homebuyers access more favorable loans
- We can still close loans as quick as 15 days
- I am still the coolest mortgage broker!😎 (subjectively speaking lol)

02/10/2024

One of my lenders is having a conventional refi special giving an additional discount to their rate & term refinances. If you have purchased a home recently with a less than favorable interest rate it is worth checking to see if your loan qualifies!

Don't hesitate to hit me up if you have any questions on what it might look like to adjust your current financing.

01/02/2024

New year, new opportunity! Here is your most recent update in Real Estate.

Do you have any new goals within Real Estate in 2024? If so, what are they?

Share your thoughts!

12/14/2023

Holiday & New Year refi special!

Did you or someone you know purchase a home recently with a VA or FHA loan and lock an interest rate of 6.5% or higher?

If so it may be a good time to look into a streamline refinance! With the market trending in the right direction one of the lenders we work with at Newland Mortgage is have a special on their VA IRRRLs and FHA streamline refinances.

Both options do NOT require an appraisal, no verification of assets & income needed, and if the numbers make sense we can do a soft credit pull so you wont have a hard inquiry on your credit report (580 min credit score).

The special expires 1/31/2024 so please do not hesitate to reach out as I would be more than happy to crunch some numbers for you so that you can better understand this savings opportunity.

12/05/2023

Good signs for the future!

The forecast interest-rate cuts would bring the effective Federal Funds rate to about 3.83% at the end of 2024.