AJ Dennis - Branch Manager, NMLS #1242632

AJ Dennis - Branch Manager, NMLS #1242632 I specialize in first time homebuyer programs to help borrowers purchase homes for as little money a

Happy Juneteenth! Homeownership is the easiest and most affordable way to build generation wealth. With the current st...
06/19/2025

Happy Juneteenth! Homeownership is the easiest and most affordable way to build generation wealth. With the current state of the country and world it’s time to stop thinking only 5 minutes in front of your face. We have opportunities that our parents, grandparents, greats grands, and etc simply didn’t have. Take Advantage!

⭐️ ⭐️ ⭐️ ⭐️ ⭐️ Big news coming up this month. Stay tuned 😮‍💨
06/07/2025

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Big news coming up this month. Stay tuned 😮‍💨

Closing 2Day!Congratulations to the Faysons! Participating in our DPA Grant program they were awarded nearly $10k in Gr...
05/16/2025

Closing 2Day!

Congratulations to the Faysons! Participating in our DPA Grant program they were awarded nearly $10k in Grant funds. After seller concessions they received a $2k check BACK at closing.

Grant money funds used for down payment is NOT unlimited. You do not have to be a first time homebuyer to participate in the program.

FOR MY INVESTORS!Use a DSCR loan to purchase your next investment property. NO INCOME REQUIRED Credit score and estimat...
03/19/2025

FOR MY INVESTORS!

Use a DSCR loan to purchase your next investment property.

NO INCOME REQUIRED

Credit score and estimated rental income determined by the appraiser is what structures the entire loan. Get closed quick!

Ask me more about this!

**1099 ONLY **Tax Returns rarely tell the whole story. If you’re self employed or an independent contractor, your incom...
03/17/2025

**1099 ONLY **

Tax Returns rarely tell the whole story. If you’re self employed or an independent contractor, your income not only varies month to month but it often can be deducted from your taxes based on what you decide to write off. Doing a regular mortgage could lower what you realistically could qualify for.

Let’s cut out the middle man! ✂️

Don’t let what’s showing on the bottom line of your tax returns stop you from qualifying for a mortgage. We’ll collab with your CPA and get you in the dream home you can afford by Springs end! Ask me how!

Carpets is dirty. Kitchen cabinets are old. Need new plumbing. House has wallpaper. What is this the 90s?! *I love ...
03/11/2025

Carpets is dirty. Kitchen cabinets are old. Need new plumbing. House has wallpaper. What is this the 90s?! *I love the 90s but not that much* 🥴

Buying a home in a competitive market can be taxing. With limited inventory, a home renovation loan could be the route to go. It allows you to add your personal touch to a home before you even step foot in it.

Indiana certainly has its fair share of homes that need a little tender love and care. So instead of competing with another buyer purchasing a house above market value with outdated appliances and decor, you could buy that home and finance the renovations needed to make the house feel like it's yours.

Renovations can include:

Remodel kitchen and bathrooms
Update appliances
Replace flooring/carpet
Major landscaping and site improvements
Repair or replace structural damage
New window installations
Demolish and rebuilding the house (except for foundation)
And much more!!!!

This product is for primary residences only (there are other renovation loans for investment properties)

203k loan could be for a home purchase OR a refinance. So if you already own your home and looking to make some home improvements I would suggest looking at this.

This is a GAME. CHANGER. Ask me about the steps to get started!

Where do I start?Am I ready?Will my payment be high?Do I have enough saved?What's my score need to be?Is this the right ...
03/06/2025

Where do I start?
Am I ready?
Will my payment be high?
Do I have enough saved?
What's my score need to be?
Is this the right time?
What if I don't qualify?

Purchasing a home doesn't have to be a mental warfare. And there are things that you just won't know to even ask before you start your homebuying journey.
However, there are things you can do to help yourself.

Here's some additional steps to get ready...

1. Take care of derogatory credit. Try to have no collections totaling $2k.

2. Low credit card balances can improve score. So if you can, pay down credit card. 30% utilization is ideal. This can be strategically done with your loan officer.

2. Put money away. You do NOT need 20% down payment to buy a home. However, it is good to have at LEAST 1-3% of the anticipated purchase price of your home saved for when you go under contract. Check retirement accounts as well. (401k, IRA, etc.)

3. Show all your cards. Your Loan Officer wants to get the deal done just as much as you. Don't hide anything about income, assets, debt, or credit. It's their job to put the pieces together to make it work.

One best parts of my job is telling someone they qualify after being told they can't. It's your time!

Help me Help you!

If your landlord decided to kick you out their apartment or house without fair reasoning, why are you still there? Becom...
02/26/2025

If your landlord decided to kick you out their apartment or house without fair reasoning, why are you still there?

Becoming a homeowner isn’t just about buying a house, it’s about creating stability, establishing roots, becoming invested into your community, along with creating a forced savings account in your mortgage building your net worth.

In many cases I’ve seen it has been HARDER to qualify for rent than for a home loan. Don’t be so quick to pay somebody, pay yourself.

Being a homeowner is NOT easy. There are so many things you’ll need to be educated on in not only maintaining your home but understanding your mortgage, taxes, insurance, etc. But this is your year to do it!

Purchasing a home is like having a forced savings account. The equity you build from each monthly mortgage payment is p...
02/19/2025

Purchasing a home is like having a forced savings account. The equity you build from each monthly mortgage payment is part of your overall net worth that you can take with you once you sell your home or you can just allow your home to appreciate once it's paid.

The average annual appreciation rate for homes in the US is 3-5% making a home purchase one of the best assets you can have. Real Estate is the easiest route to generational wealth.

Let's discuss ways to build your net worth!

Indiana

Address

Merrillville, IN
46410

Telephone

+12194331465

Website

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