Kristi Murphy- Caliber Home Loans, Inc.

10/25/2018

It’s not everyday you see a home with a concrete foundation in San Marcos under $180k... First time homebuyers and investors, this could be perfect for you! Call me for financing options.

Price Adjusted - Take a look at this adorable unit in San Marcos - perfect for young couple college student!

08/02/2018

Have a mortgage question I can answer? Post below!

08/01/2018

Thinking of moving to my hometown? Here’s what the school district is like in San Marcos.

As a class of 2011 alumni, I have to say it was pretty great!! I was apart of the nursing program where I got my ‘Certificated Nursing Assistant’ license at the age of 16. On top of that I was also a member inside the agriculture program and the ‘Austin Community College’ program all while being a cheerleader, graduating in the top 20% of my class, and graduating with college credits and scholarships.

My sister who graduated in 2015, was able to enter college as a sophomore and graduate from TXST a year early.

The school district is great! Which I guess makes the high property taxes worth it when you have children that are entering trades or college after graduation.

What do you say?
Are you buying in my hometown?

Reach out if you need help with financing or finding a loyal trustworthy realtor.

07/28/2018

I got to brag real fast, this realtor is always bringing in new leads and contracts. I know without a doubt she will rise to the top as one New Braunfels and Seguin’s favorable and top realtors.

Here we go again, under contract again and again we go.

Check her out here: Jolene Sutton, Realtor

07/27/2018

My friend and one of my preferred realtors picked up a new listing. Let me know if you want to take a look at it and if you need a mortgage. Could be your home sweet home listed below $240k in New Braunfels.

07/27/2018

Flashback Friday to my interview with Jolene Sutton!!!!

07/26/2018

Thank you to those of you that have trusted to do business with me. It means so much knowing that so many of you have faith in not only my company but me as your loan officer/ mortgage broker.

After being out of the business for 10 months, I did not expect this to happen. It’s been incredible building my business in the lending world back up with some of the BEST people in the industry. I didn’t know within a short period of time (4 months) that I would have a pipeline of 40 amazing clients and counting. (Pipeline: Pre-Approved, Currently shopping, Under Contract/ Building).

Life would be pretty lame if my hand was never writing thank you cards and if my phone was always charged. Thank you for keeping me busy and helping to make my dreams come true as I help make your home dreams happen too. 🏡 ❤️

If you know anyone looking to buy a home, please refer them to me and/or connect us. I would love to be apart of their home-buying journey.

Thanks A Billion Everyone!!!!

If you’re looking to get started please visit me at homedreamshappen.com

07/25/2018

Get funds back into your cash buyers' pockets fast with Delayed Financing through Caliber's Portfolio Lending suite of products.

A growing number of investors are paying cash for properties, and cash flow is often a priority for these clients. Delayed financing keeps investment buyers active.

Caliber’s Delayed Financing option available through the Portfolio Lending suite of products can help you build lucrative relationships with investors. Structured and priced as a rate/term refinance delayed financing enables cash buyers to recoup a percentage of their cash just days after finalizing a property purchase.

Refinance your cash buyers in days, not months!!!

Delayed financing provides major advantages to clients who are buying foreclosed or uninhabitable proper-ties.

For example, a cash buyer can:
1. Quickly buy a discounted foreclosure or uninhabitable property to add to their portfolio of rental properties, or add an occupied property to their rental property portfolio
2. Use delayed financing to recoup their cash up to 85% LTV
3. Use these funds to pay for renovations instead of financing them
4. Rent out the renovated property or move in

To learn more about Delayed Financing, contact me today.

07/25/2018

Yesterday I got to spend the afternoon with Amber the money multiplier consultant (that’s not her real job title but that’s what she does). After touring a beautiful newly built neighborhood and lunch we went to visit one of our favorite furniture business owners.

Go by and visit Theresa Ann at their location in New Braunfels or her children’s shop in Seguin. They have it all, at a very amazing price... I’m talking like 50% less than other furniture stores.

They care about family and making sure you have a comfy pretty home without losing all the money that it usually cost to get your average mattress and furniture.

Not to mention they even have a program that when you buy a mattress they give a mattress to a member in the community that needs a bed. ❤️❤️❤️

Go check them out and mention my name for the special hook up!!!

P.S. Every new mattress and furniture set needs a new mortgage right? Let’s get you in your new home!!! 🏡

07/24/2018

Let's get you pre-approved so when you find your dream home in your dream location... in your price range... you can have this exciting moment and easily go under contract.

Then BOOM move in within the next 30 days!

07/24/2018

Buying a home is one of the most exciting—and complex—transactions of your life. At Caliber Home Loans, Inc., we’re dedicated to explaining each step of the process in detail to every single one of our borrowers. While there are some individuals who will have a different process due to individual circumstances, the typical home buying
process includes about 13 steps:

1. I’ll provide a fast loan pre-qualification so you’ll know how much home you can afford.
2. You may select a real estate agent to help you find the right home.
3. Find your home and negotiate the purchase price with the seller.
4. Send a copy of your purchase contract to me.
5. I’ll help you complete a loan application.
6. Your loan application will be sent to Underwriting.
7. You’ll receive an itemized Loan Estimate to review, sign and return.
8. I’ll order an appraisal, title, and tax certification for your new home.
9. I’ll keep you updated on your application’s status, and inform you if additional documents are required.
10. You’ll obtain homeowner’s insurance and send me premium details.
11. You’ll receive an itemized Closing Disclosure including the closing cost and other details to review while your
Closing Documents are prepared.
12. Your loan’s closing is scheduled. You’ll then attend closing and receive the keys to your home.
13. Congratulations, you’re a homeowner!

* The steps outlined above are provided for a general understanding of the loan application process. The list is not intended to be construed as an exhaustive list of all steps in the loan application process. Some loan applications may require additional steps not outlined

07/23/2018

Homeownership not only brings joy and a place to create new memories, but also new responsibilities. As a first-time
homebuyer, one of the many questions you might have is “How does an escrow account work, and why do I need it?”

WHAT — An escrow account (also known as an “impound account”) is a separate account set up by your lender to collect the funds needed to pay property taxes and insurance premiums on your behalf. These amounts are typically paid in a lump sum to your taxing authority and insurance company once or twice a year. With an escrow account, instead of you
making a large payment at that time, your lender divides the annual cost into a monthly amount that is collected along
with your mortgage payment. Since taxes and insurance premiums often change annually, your lender will collect an
additional amount of money each month to cover any temporary shortfall when the premiums are due.

When the tax or insurance bill is due, your lender will make this payment on your behalf from the escrow account funds
that were collected each month. Most homeowners appreciate the convenience of an escrow account, as its monthly
premiums can be easily incorporated into a monthly budget.

WHEN — An escrow account is necessary for most first-time homebuyers. This is a common requirement when a
loan’s down payment amount is less than 20% of the home’s appraised value. An escrow account may also be a legal
requirement for certain types of home loans, or if your home requires flood insurance.

WHY — Most lenders charge an additional 0.25 point fee for borrowers who opt out of an escrow account. Having an
escrow account ensures that a sufficient reserve has been built up to pay the amounts due for taxes and insurance.
Because they realize that making large tax and insurance payments once or twice a year can be a substantial burden
on homeowners, lenders are concerned about the additional risks assumed by both homeowner and lender when the
homeowner opts out of an escrow account.

WHO — Although your lender is collecting the funds to pay the taxes and insurance on your behalf and is obligated to
make the payments on time, you are still legally responsible for these payments. For this reason, you should ensure that
your lender is aware of any changes to your property tax obligations or insurance premiums so that your escrow account can be effectively managed.

In addition, federal law requires that your lender review your escrow account each year and provide you with a detailed
analysis. This helps to ensure that your taxes and insurance premiums are being paid correctly. If required, your monthly
escrow payments will be adjusted, based on changes to your taxes and/or insurance premium.
■ If your annual escrow statement reflects overpayments made during the year, you will receive a refund for these.
■ If your annual escrow statement reflects any shortages, your lender may add an additional payment amount to cover
any shortfalls caused by unanticipated increases in the tax or insurance premium amount due.

Please contact me for further information about the benefits of an escrow account and for assistance with your home lending needs.