Hristina Trajkovska Ivanovic - Mortgage Loan Officer

Hristina Trajkovska Ivanovic - Mortgage Loan Officer Mortgage Loan Officer (NMLS #2300841) at Brighton Bank (NMLS #892951)

Licensed in all 50 states.

Debt to Income Ratio is the consumer's monthly gross income that goes towards paying all debts (including ).You can u...
04/07/2023

Debt to Income Ratio is the consumer's monthly gross income that goes towards paying all debts (including ).

You can use this formula to calculate your DTI:

DTI = Total mortgage payment + All other debts / Monthly gross income

You should consider your car loan, student loan or minimum credit card payment when you calculate your debt.

The optimal DTI considered when looking for a is 45%.

Depending on your unique scenario your DTI can go as high as 50%.

Remember that you can always improve your DTI with these methods:

- lower your monthly payment on a debt,
- lower your on some of your debts,
- look into a loan forgiveness,
- control your non-essential spending,
- find another stream of side .

Contact me for a free consultation and find out what's your DTI and how much you can qualify for a mortgage.

NMLS #2300841

Licensed in all 50 states.

Brighton Bank. NMLS 892951 FIDC Member - Equal Housing Opportunity Lender Disclaimer: The views expressed are those of the author and do not necessarily reflect the views of Brighton Bank.

I'm excited to announce that I am now part of Brighton Bank - a financial institution dedicated to providing our clients...
01/20/2023

I'm excited to announce that I am now part of Brighton Bank - a financial institution dedicated to providing our clients with the highest quality services, competitive prices, and innovative banking solutions! We are thrilled to have the opportynity to extend our passion and dedication to the banking world and look forward to helping you on your financial journey.

Looking forward to offering a mortgage loan services in all 50 states.

Contact me in any Balkan language, English or Spanish.

Brighton Bank. NMLS 892951 FIDC Member - Equal Housing Opportynity Lender Disclaimer: The views expressed are those of the author and do not necessarily reflect the views of Brighton Bank.

You don't necessarily need a down payment of 20% to buy a home.See the chart below and contact me for more info.NMLS 230...
12/06/2022

You don't necessarily need a down payment of 20% to buy a home.

See the chart below and contact me for more info.

NMLS 2300841

Don't wait for or to save big. Instead use this tip to make a strategy that will bring you a lots of plus .Call ...
11/28/2022

Don't wait for or to save big.

Instead use this tip to make a strategy that will bring you a lots of plus .

Call me for a different options and more

NMLS | 2300841

THANK YOU!
11/24/2022

THANK YOU!

REMEMBER: When you're buying a 🏡 you're buying a not a things!Call me to get and start your !NMLS | 2300841
11/18/2022

REMEMBER: When you're buying a 🏡 you're buying a not a things!

Call me to get and start your !

NMLS | 2300841

People usually don't think a lot about the interest rate associated to the credit card before they use the credit card t...
11/16/2022

People usually don't think a lot about the interest rate associated to the credit card before they use the credit card to buy their coffee, or dine in a restaurant, fill up the oil tank, shop their groceries.

If you need a car that's not a luxury but an essential good these days to be able to easily commute to your work place, gym, favorite bar or park, interest rate is the least concern you have when buying the car.

OWNING A HOME is one of the biggest dreams people have and very often it's once in a life time event. If you have this dream and at least some savings don't hold back to that dream. It's always a good time to become a HOMEOWNER.

It's all about PRIORITIES in life. You have to measure your needs and your capabilities.

Don't pay your landlord's mortgage, pay your own instead.

NMLS 2300841

Thank you VETERANS for keeping us free and safe! 🇺🇸NMLS | 2300841
11/11/2022

Thank you VETERANS for keeping us free and safe! 🇺🇸

NMLS | 2300841

of this year's Event where was a sponsor.I'm proud to be 🇲🇰 and to help our NJ comunity to build up stronger.I'm...
10/26/2022

of this year's Event where was a sponsor.

I'm proud to be 🇲🇰 and to help our NJ comunity to build up stronger.

I'm proud to be part of the Get A Rate team where , and are the top three driving forces.

"What's the difference between CONVENTIONAL and FHA loan?"Clients are asking this question all the time. Here is a break...
10/12/2022

"What's the difference between CONVENTIONAL and FHA loan?"

Clients are asking this question all the time.

Here is a breakdown to see the difference between these two most popular Mortgage Loans.

CONVENTIONAL are the loans that conform to standards set by Fannie Mae and Freddie Mac .

FHA loan could be a great option for buyers with lower credit scores and financial issues such as bankruptcies, short sales or foreclosures.

To determine which option is right for you I can create a COMPARISON of the MONTHLY PAYMENT and the TOTAL PAYMENTS over the life of the loan using your financial.

Contact me to get more information.

NMLS | 2300841

Address

6489 Quail Road , Suite 106
Memphis, TN
38120

Telephone

+12012337855

Website

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