Edwin Rivera Loans

05/31/2019

Thanks everyone for looking at page. Remember if you need a loan or are just curious about the home buying processing or your credit. Please let me know send me an email at.....[email protected]

For now enjoy this latest info about the home buying process.....https://edwinriveraloans.com/paperwork-needed-for-your-loan/

Thank you

When applying for a home loan, you will need more than just an application. With today’s mortgage regulations, the paperwork listed below is required to verify all the information you provided on the loan application about you, your income, assets, credit and other real estate you may own. Deliver...

05/19/2019

Hello All,
I just wanted to give you guys some info for all you garden lovers: https://edwinriveraloans.com/mosquito-repelling-plants/

05/16/2019

05/16/2019

With over 321 million active users per month, Twitter is a top social platform for business. Its dynamic and easy-to-use format makes it a great tool to build your real estate business by engaging and strengthening your relationships with clients, prospective customers and business partners. Best

05/16/2019

Hello here is one for all you Realtors out there.....

https://edwinriveraloans.com/how-to-use-twitter-to-promote-your-real-estate-business/😀

With over 321 million active users per month, Twitter is a top social platform for business. Its dynamic and easy-to-use format makes it a great tool to build your real estate business by engaging and strengthening your relationships with clients, prospective customers and business partners. Best

05/16/2019

Hello All, for those of you wanting to buy a home. The first thing is know were you stand when it comes to credit. I will pull your credit no charge and go over your options with you. The next thing is to see how much money you can qualify for when it comes to down payment assistance. The state of Texas has a few options i think you will like. Follow this link and learn all about them and let me know how I can assist you in getting your first home. https://woodgroupmortgage.com/tx-down-payment-assistance/

04/17/2019

Pre-Approval Letters for First-Time Homebuyers

When purchasing your first home, one of the first steps in the homebuying process should be obtaining a pre-approval* letter from your mortgage planner. This step should come before any house hunting takes place, be it in person or online. A mortgage pre-approval letter is a written statement saying that you should qualify for a particular mortgage program up to a certain loan amount. While a pre-approval does not guarantee your loan, it does provide several benefits to your home search. Here is a breakdown of those benefits:

Along with giving you the certainty that you are financially capable of purchasing a home, going through the pre-approval process lets you know how much home you are capable of purchasing. For first-time homebuyers, this can be extremely valuable information.
Pre-approval letters make you a stronger buyer. Sellers are more likely to accept offers from buyers who have been pre-approved, because they know that they are serious offers coming from someone who has proven capable of purchasing a home.
Because obtaining a pre-approval letter requires you to submit your verification documents, your mortgage planner will already have those things on file once you make an offer on a home. This should help speed up the process since fewer documents will need to be submitted.
In today’s competitive housing market, an increasing number of sellers and listing agents is requiring that home offers be accompanied by a mortgage pre-approval letter. Keep in mind that pre-approval letters are only good for a certain amount of time, so you should plan your home search accordingly. I would be happy to meet with you soon to plan the next steps toward your first home purchase. Call me today.

*May not be applicable in the state of Texas. Please check with your mortgage planner for more details about programs that are available for homebuyers.

04/17/2019

Spring Lawn Care Tips
April 16, 2019 1:09 pm
Warmer weather is moving across the country! It’s time to dust off that lawn mower, roll up your sleeves and prepare to have the lawn that will be the envy of golf courses everywhere. Since you want the grass to always be greener on your side of the fence, follow these simple tips to keep your lawn looking great all season!

Mow lawns high and frequently – It may be tempting to mow your lawn short in an effort to mow less frequently, but this can damage your grass and allow weeds to take root. To keep your lawn in the best health, try to never cut off more than one-third of the grass blade.

Keep your lawn mower blade sharp – If the blade on your lawn mower is too dull, it will tear the grass, resulting in a lawn that looks brown. Sharpen or replace your lawn mower blade once each mowing season.

Stop weeds early – By using a pre-emergent herbicide, you can stop weeds before they even germinate. The herbicide will eliminate crabgrass and other weeds by preventing their seeds from sprouting on your lawn. For best results, apply early in the spring.

Water your lawn in the morning – The best time of day to water your lawn is in the morning. This will allow time for the sun to help dry the grass. If you water your lawn at night, this could result in prolonged moisture, making your lawn susceptible to diseases.

Water for prolonged periods – It is better to water your lawn less frequently but for prolonged periods. Soak the lawn so the soil moisture goes down several inches. To determine if you are watering long enough, try setting a soup can next to your sprinkler. Once the can is filled to half an inch of water, it is time to turn off the sprinkler.

Fertilize your lawn – Nitrogen is the most important fertilizer component. When shopping for fertilizers, look for a mixture of fast and slow releases that will quickly boost the color in your lawn but also feed it over time. In the northern areas of the country, fertilizing is best done in the fall and spring. In southern areas, it is best to fertilize in the spring and summer. For a simple fertilizer buying guide, click here.

04/07/2019

Federal Reserve Expects No Mortgage Rate Increases for 2019
April 3, 2019 3:59 pm
The Federal Reserve has left interest rates unchanged while trimming the number of this year’s predicted rate increases from two to zero. The decision to keep interest rates the same — based on a unanimous vote by the U.S. central bank in late March — was somewhat expected, despite earlier projections for rates to increase in Q1. The U.S. central bank chose to keep the benchmark rate in the 2.25 to 2.5 percent range. Since 2015, the Federal Reserve has raised rates nine times, with four of those hikes coming in 2018 alone.

Along with the decision to leave interest rates intact, the benchmark 30-year mortgage rate recently made its largest weekly drop in nearly a decade, creating a large affordability window for homebuyers as well as homeowners interested in refinancing.

All these changes have occurred just as the spring homebuying season has kicked off, making now an excellent time to purchase a new home or refinance your current home and save on monthly payments. If you would like to discuss your options, call me today!