Aaron J. Schaeffer -Silverton Mortgage

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United States
Louisville, KY
Aaron J. Schaeffer -Silverton Mortgage

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NMLS 1963421
Silverton Mortgage NMLS 1561
Licensing: https://silvertonmortgage.com/licensing/
Apply here: https://silvertonmortgage.com/aaronschaeffer/

Silverton Mortgage is authorized to originate FHA, VA, and USDA loans, but it is not an agent of, or affiliated with, the U.S.

08/27/2026

This one's a little trickier!

PITI stands for:

• Principal – Pays down the loan balance.
• Interest – The cost of borrowing money.
• Taxes – Property taxes that may be included in the monthly payment.
• Insurance – Homeowners insurance, and sometimes other required insurance.

When people talk about a monthly mortgage payment, they're often referring to the full PITI payment, not just the principal and interest.

www.silvertonmortgage.com

08/24/2026

Coffee. Calls. Contracts. Closings. Repeat. ☕📞📄🔑

Take a peek at what a day in the life of a Mortgage Loan Originator looks like... one emoji at a time! Swipe through and let me know what slide is relatable to you.

www.silvertonmortgage.com

08/20/2026

Did you know this one?

PMI stands for Private Mortgage Insurance.

PMI is typically required on many conventional loans when the down payment is less than 20%.

It helps protect the lender if the loan goes into default, allowing many buyers to purchase a home sooner without waiting to save a full 20% down payment.

Depending on the loan and payment history, PMI may be removed later once certain equity requirements are met.

If this raises any questions, let’s chat! Send me a message.

www.silvertonmortgage.com

08/17/2026

Leveling up isn't just for video games. Every great game rewards progress, and homeownership is no different.

One of the long-term rewards of homeownership is building equity. Equity is the difference between a home's value and the amount still owed on the mortgage. As mortgage payments reduce the loan balance, that ownership stake can grow over time.

It's not an instant power-up, but every payment can be another step toward building long-term value.

www.silvertonmortgage.com

08/13/2026

How'd you do?

LTV stands for Loan-to-Value Ratio.

It compares the amount being borrowed on the loan to the home's value.

For example, buying a $300,000 home with a $30,000 down payment means borrowing $270,000, resulting in a 90% LTV.

LTV helps lenders evaluate risk and can affect loan options, mortgage insurance requirements, and available financing programs.

Comment below if you got this one right!

www.silvertonmortgage.com

08/10/2026

Busy doesn't always mean productive. If you're a real estate professional constantly juggling leads, client communication, transactions, marketing, and business development, this webinar is for you.

Join Corey Knight for the next The Selling Point webinar and discover how identifying your highest-priority activity can help you eliminate distractions, improve your time management, make better decisions, and focus on the work that drives the biggest results.

Don't miss this opportunity to sharpen your focus and grow your business with intention.

📅August 18th at 10 AM

Register now to save your spot: https://bit.ly/3TdbyV1

08/06/2026

Did you guess correctly? 👏

DTI stands for Debt-to-Income Ratio.

It's a number lenders use to compare monthly debt payments to gross monthly income. This helps determine whether a buyer can comfortably take on a mortgage payment.

A lower DTI generally means more room in the budget, but ratios vary depending on the loan program. Even if DTI seems high, there may be options worth exploring. I can help identify programs that may fit.

Send me a message and let’s calculate your DTI!

www.silvertonmortgage.com

08/03/2026

The Medical Professional* Program offers exclusive financing options to eligible healthcare professionals, helping make homeownership more attainable throughout every stage of their career - from residency and relocation to practice growth and beyond. Reach out to learn more!

www.silvertonmortgage.com

*Eligible professional designations include: Medical Resident, Medical Doctor (MD), Doctor of Dental Medicine (DMD), Doctor of Ophthalmology (MD), Doctor of Osteopathy (DO), Doctor of Surgery (DCH), Medical Fellow, Doctor of Dental Surgery (DDS), Doctor of Optometry (OD), Doctor of Podiatric Medicine (DPM), Doctor of Pharmacy (PharmD), Doctor of Veterinarian Medicine (DVM), Doctor of Psychiatric Medicine (DPM), and Medical residents, fellows, or interns with one of the above degrees. Terms and conditions apply. Not all applicants may qualify.

07/30/2026

Homeownership isn’t just buying a house. It’s building a life inside it. Memories are waiting for you.

Get pre-approved today and see what’s possible. The first step to homeownership starts with understanding your options. Send me a message or visit www.silvertonmortgage.com

07/27/2026

A lower monthly mortgage payment could be possible with the right strategy. 🏡

From improving your credit score to exploring different loan options, there are several ways to help make homeownership more affordable.

Swipe through for a few tips to consider.

Have questions about what could work for your situation? Reach out and let’s talk through your options and build a plan that fits your goals.

www.silvertonmortgage.com

Address

9900 Corporate Campus Drive #3000
Louisville, KY
40223

Website

http://www.silvertonmortgage.com/aaronschaeffer/

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