Philip Carr- NMLS # 1696455

Philip Carr- NMLS # 1696455 Philip Carr- NMLS #1696455
Mortgage Loan Originator
Equal Housing Opportunity

In this market, you want your offers to be the best they can be. Using our Cash2Keys program gives you the availability ...
06/02/2026

In this market, you want your offers to be the best they can be. Using our Cash2Keys program gives you the availability to make 💵CASH💵 offers giving you the edge you need to get accepted on your next home! Contact us today to discuss the program with a Loan Originator!
https://myoc.io/financewithphil

Keeping your air conditioning unit well maintained will ensure it runs efficiently! Replace filters and complete schedul...
05/29/2026

Keeping your air conditioning unit well maintained will ensure it runs efficiently! Replace filters and complete scheduled maintenance! ❄️
https://myoc.io/financewithphil

There is more to rates than just numbers. You can choose between a “fixed rate” and “adjustable rate” mortgage. Which on...
05/28/2026

There is more to rates than just numbers. You can choose between a “fixed rate” and “adjustable rate” mortgage. Which one is best for your situation will depend on how long you intend to occupy your current home.

Fixed: The payment stays the same for the duration of the loan. If you intend to stay in the same place for the life of the loan, you may be better off with a fixed rate mortgage because you will be protected against rate increases.

Adjustable: For three, five or seven years, the rate remains fixed. Then it fluctuates based on market interest rates. You will not be protected from market fluctuations after that, but the rate for the initial fixed term is usually lower. So, if you think you will be moving on to a new home after a few years, an adjustable rate may be your best bet.
https://myoc.io/financewithphil

The Spring Market can be tough to navigate. With more buyers looking at houses and making offers, its important to see a...
05/26/2026

The Spring Market can be tough to navigate. With more buyers looking at houses and making offers, its important to see a house you like quickly! Don't wait too long as it could have an accepted offer before you know it. Working with an AnnieMac Loan Originator ensures you and your realtor will have an update pre-approval to support your offer every time! ✨
https://myoc.io/financewithphil

Become a tourist in your own town. Visit local spots, sightsee, invite family and friends to make it even better! 🛵https...
05/22/2026

Become a tourist in your own town. Visit local spots, sightsee, invite family and friends to make it even better! 🛵
https://myoc.io/financewithphil

What kind of expenses are you likely to face in the future? Will you be paying for your children’s college tuition or an...
05/21/2026

What kind of expenses are you likely to face in the future? Will you be paying for your children’s college tuition or an older relative’s long-term care? Have you made allowances for unexpected future expenses such as home repairs or medical bills?
https://myoc.io/financewithphil

Your Loan Originator having your documents is the difference between a pre-approval and a pre-qualification letter.📃 Hav...
05/19/2026

Your Loan Originator having your documents is the difference between a pre-approval and a pre-qualification letter.📃 Having a pre-approval letter strengthens your offer and shows sellers you are prepared and ready to move forward when your offer is accepted.
https://myoc.io/financewithphil

Skip the Drive-Thru or convivence store by packing a few snacks and maybe lunch for outings at the park or road trips! 😉...
05/15/2026

Skip the Drive-Thru or convivence store by packing a few snacks and maybe lunch for outings at the park or road trips! 😉
https://myoc.io/financewithphil

We would highly recommend it, especially if you are buying a home for the first time or shopping for a home in an unfami...
05/14/2026

We would highly recommend it, especially if you are buying a home for the first time or shopping for a home in an unfamiliar area. A good real estate agent will be familiar with the available housing in each area, have experience with negotiating for the best price, and be able to help you navigate through the documentation related to a home sale.

If you do not have a real estate agent in mind, we would be happy to recommend one! Contact us today to get started 📱
https://myoc.io/financewithphil

Work with a Local Lender! In this market it is imperative to work with a local lender who know the market and can be rea...
05/12/2026

Work with a Local Lender! In this market it is imperative to work with a local lender who know the market and can be reached at any time. Here at AnnieMac Home Mortgage, we are working when you need us! Our Loan Originators work to cultivate and nurture relationships. Call today! 📲
https://myoc.io/financewithphil

Address

935 New Loudon Road, Suite 27 Office 24 & 26
Latham, NY
12110

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