Go Mortgage - Ron Meyer

Go Mortgage - Ron Meyer I'm a Wisconsin licensed Home Loan Advisor NMLS #222688 with Go Mortgage NMLS 1018 in L How can I help you with your home purchase or refinance?

Give me a call or apply online today. Phone 920.213.0428
[email protected]
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Attention real estate agents! Ensuring your buyers are confident in their preapproval is key. Maybe they are questioning...
11/20/2023

Attention real estate agents! Ensuring your buyers are confident in their preapproval is key. Maybe they are questioning the loan program, the amount, or something else. If they need a second opinion to feel fully satisfied, I'm here to help! Let's work together to ensure a smooth and successful home buying journey. 🏡💼

11/20/2023

Market Update for Monday, November 20, 2023: Understanding the Current Mortgage Market: A Guide for Homebuyers

Recent Trends in the Mortgage-Backed Securities (MBS) Market
• Impressive Growth: In the past three weeks, there's been a notable increase in the MBS market. This is the highest growth we've seen since early September.
• What's Driving This? This change is mainly due to new expectations about the Federal Funds rate, which influences mortgage rates.
Changing Expectations: Rate Hikes vs. Rate Cuts
• Earlier Predictions: A few weeks ago, there was a 30% chance of an increase in rates.
• Current Situation: Now, the chances of a rate hike are almost none. In fact, by March 2024, experts are starting to think rates might even be cut.
Why Is This Happening?
• Federal Reserve's Stance: Despite the Federal Reserve's intention to keep rates high, other factors are influencing the market.
• Key Factors:
• Cooling Inflation: Inflation is not as high as expected.
• Strong Job Market: Usually, high rates don't go hand-in-hand with a robust job market.
Fed's Role in the MBS Market
• Increase in Holdings: Since COVID began, the Fed nearly doubled its MBS holdings, reaching around $2.7 trillion.
• Current Status: They've started selling some of these, with holdings now at about $2.46 trillion.
• Future Outlook: The Fed is likely to continue selling, which might impact the market.
Holiday Market Schedule
• Thanksgiving Week: Expect early closure at 1pm on both Wednesday and Friday EST; expect a fully closed market on Thanksgiving Day.
• Market Impact: This could lead to less trading and potentially more unpredictability in the market.
What Does This Mean for You as a Homebuyer?
• Mortgage Rates: The current trends suggest that mortgage rates might not increase as previously expected, and there's even a possibility of them decreasing by 2024.
• Market Stability: The market is currently in a unique position with low inflation and a strong job market, which could favor homebuyers.
• Fed's Actions: Keep an eye on the Federal Reserve's moves, as their decisions on MBS holdings can influence mortgage rates.
• Holiday Considerations: The Thanksgiving holiday might cause some short-term fluctuations in the market, but these are likely temporary.
Bottom Line: If you're considering buying a home, these developments could be favorable. It's a good time to stay informed and possibly consult with a mortgage advisor to understand how these changes might benefit your home-buying journey.
Casey Delinsky, SVP Capital Markets
The author is not a financial advisor and nothing stated above should be viewed as financial advice. Consult a professional investment advisor before making any investment decisions. The information provided above does not, and is not intended to, constitute legal advice, investment advice, or the opinion of GO Mortgage, LLC. Instead, all information, content, and materials are for general informational purposes only.

🔑🏠 Elevate Your Listings with Savvy Seller Concessions Strategies! 🏠🔑 Attention Real Estate Pros! Are you leveraging the...
11/15/2023

🔑🏠 Elevate Your Listings with Savvy Seller Concessions Strategies! 🏠🔑 Attention Real Estate Pros! Are you leveraging the full potential of seller concessions to make your listings stand out? From 2/1 buydowns to permanent rate buydowns, these tools can be game-changers in closing deals. 🌟

📉 2/1 Buydowns: Offer buyers a breath of financial relief with an initial interest rate that's lower for the first two years. It's a compelling incentive for buyers who plan to grow into their mortgage payments.

💸 Permanent Buydowns: For buyers looking for long-term stability, suggest a permanent buydown. It's the gift that keeps on giving, reducing the interest rate for the life of the loan.

🤝 Custom Concessions: Don't stop there! Tailor concessions to address buyer needs, from closing costs to home warranties. It's about creating a personalized package that turns interest into action.

Remember, concessions are more than just closing cost cover-ups; they're strategic tools that can enhance your negotiation power and showcase your commitment to finding creative solutions.

Let's connect and master the art of concessions to close more deals and delight our clients!

🏡 AGENTS: Expand Your Clients Horizons: Guide Your Clients to Multi-Family Investment with Low Down Payments! 🌟 Frustrat...
11/13/2023

🏡 AGENTS: Expand Your Clients Horizons: Guide Your Clients to Multi-Family Investment with Low Down Payments! 🌟 Frustrated with lack of inventory? Clients can't find the house they want? Don't fret! It's time to think differently about new opportunities.
🎯 The Opportunity: A two to four-unit multi-family home can be more accessible than you think. With an FHA loan, clients only need a 3.5% down payment to get started!
Why It’s a Game-Changer
🚀 Rental Income: Extra units can be rented out, providing your clients with a secondary income stream. Affordable Entry: A low down payment makes this a great first investment.
🥰 Client Satisfaction: You solve their housing dilemma and help them invest in their future. Extra Info
📘 FHA requires the buyer to occupy one of the units as their primary residence. Alternatively, Freddie Mac Home Possible offers a 5% down payment option.
Time to step out of the single-family box and guide your clients towards a more diversified real estate portfolio. Have a client that this might work for? Let's talk! 📲

Hey there, mortgage seekers! 🌟 Ever wondered about the difference between a "soft" and a "hard" credit pull when it come...
11/08/2023

Hey there, mortgage seekers! 🌟 Ever wondered about the difference between a "soft" and a "hard" credit pull when it comes to checking your eligibility for a mortgage? Let's break it down in simple terms:

🔵 Soft Pull:
✅ No Impact: A soft pull doesn't affect your credit score.
✅ Initial Screening: Some lenders may use it for pre-qualification.
✅ No Commitment: You can have multiple soft pulls without worry.

🔴 Hard Pull:
✅ Detailed Review: Lenders use it for the actual mortgage application and approval.
❌ Credit Impact: It can lower your credit score slightly.
❌ Commitment: A hard pull shows up on your credit report.

💡 What You Need to Know:
1️⃣ Soft pulls can be a good option for initial shopping that won't harm your credit.
2️⃣ Hard pulls are essential for the mortgage application and a true pre-aproval.
3️⃣ Be cautious about multiple hard pulls, as they can lower your credit score.

Remember, understanding credit checks is key to a smooth mortgage journey. Feel free to ask any questions! 🤓

🇺🇸 Proud to Serve Those Who Serve! 🏡✨ Veterans, active duty military, and qualifying spouses, we've got you covered with...
11/07/2023

🇺🇸 Proud to Serve Those Who Serve! 🏡✨ Veterans, active duty military, and qualifying spouses, we've got you covered with a range of tailored loan options. Whether it's purchasing your dream home, refinancing, or more – we're here to make it happen. 🏠🎖️

11/03/2023

Most people are shocked to learn how accessible it can be to build your own home. If this surprised you, drop me a house emoji in the comments!

11/01/2023

From tassel to keys, your next chapter starts now 🎓🔑. College grads, discover how easy it is to make your first home a reality. (Hint: Way easier that that physics lab!) DM me to learn more!

🎃 Don't Let Mortgages Haunt You: Tricks and Treats for Homebuyers 🏠 Ghosts and goblins may spook you, but mortgages shou...
10/31/2023

🎃 Don't Let Mortgages Haunt You: Tricks and Treats for Homebuyers 🏠 Ghosts and goblins may spook you, but mortgages shouldn’t! This Halloween season, we've got some tips that take the fear out of the homebuying process.

Tricks for a Smooth Homebuying Journey 🎭
1️⃣ Pre-Approval Potion: Get pre-approved to know exactly how much "house" you can afford.
2️⃣ Rate Radar: Sure, you can keep an eye on mortgage rates, but just remember, rates aren’t forever but that house is! Keep your eye on the prize.
3️⃣ Credit Cauldron: Mix up a strong credit score by paying bills on time and keeping credit balances low.

Treats for a Sweet Deal 🍭
1️⃣ Down Payment Delight: Ask me about down payment options! It’s a only a ghost story that you must put 20% down!
2️⃣ Inspection Intel: Get a home inspection to uncover any hidden "skeletons."
3️⃣ Closing Confections: Celebrate the closing date but be prepared for last-minute paperwork.

This Halloween, let’s cast away the fears and uncertainties around mortgages and homebuying. 👻

10/30/2023

From starter to dream homes, I've got you covered! 🏠 Call me and let's make your homeownership dreams come true!

🏡 Introducing: Rate Drop Listing! 🏡 Attention agents: Looking for an edge to help your client sell faster? We've got you...
10/26/2023

🏡 Introducing: Rate Drop Listing! 🏡 Attention agents: Looking for an edge to help your client sell faster? We've got you covered with new marketing materials!
🌟 What's the Deal? If your client is motivated, savvy, and eager to sell, this program is a game-changer. The seller can offer a permanent buy down that provides the buyer with a rate below the current market rate. It's not just a monthly savings—this is lifetime value! 📉💰
👉 Why This Matters? This unique offer sets the listing apart, attracting serious buyers and getting the house sold swiftly and may be more impactful than dropping the listing price. Just might be a win-win for everyone involved.
📞 Don't miss out on this opportunity to add value to your listings and wow your clients. Contact me today to get started!
Let's get that house sold—fast! 💥

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Little Chute, WI
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