Lori Moore Mortgages

01/24/2024

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

12/21/2023

Unforeseen repairs and maintenance can catch new homeowners off guard and hit them hard financially. While a thorough home inspection can reveal some of these potential issues, others might not surface until you’ve settled into the home for months or even years. That’s why it’s wise to have a dedicated home savings fund that you contribute to monthly. This ensures you’re financially prepared for any unexpected costs that come your way.

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

12/15/2023

It’s National Ugly Christmas Sweater Day, folks! 🎄 You know what’s uglier than Grandma’s festive knit? Missing out on your dream home! 🏠

If your holiday sweater can survive Aunt Linda’s critique, then surely you can brave the home-buying market with flair. Just like that ugly sweater, sometimes it takes a pro to see the potential. 🌟

1️⃣ Sweater = Comfort: Find a home that’s as cozy as your hideous yet heartwarming holiday knit. 🛋️

2️⃣ All About the Details: Sequins, tassels, bells? Your home should have unique features, too! 🚪🔔

3️⃣ One Size Doesn’t Fit All: Just like sweaters, homes come in all shapes and sizes. Make sure yours is a perfect fit! 🏘️



Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

12/08/2023

Are you revved up and ready to dive into the world of home buying?

Before you take that plunge, let’s lay down some ground rules. Trust me, these Home Buying Do’s & Don’ts aren’t just tips—they’re lifelines for navigating the sea of dream homes and budgets!

So let’s get into it 🔑

✅ DO Stick to Your Budget: Keep your wallet safe and sound by staying within your means. Your future self will thank you!

❌ DON’T Forget Your Future: A two-bedroom might be cute now, but will it still be if you decide to expand your family?

Your quick and easy guide to not just surviving but thriving in the homebuying jungle. Happy house-hunting, and may the odds of finding your dream home be ever in your favor! 🏡🔑

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

11/29/2023

Dreaming of owning your own home but worried about the down payment? Fear not, because down payment assistance programs are here to save the day!

Let’s dive into everything you should know about these incredible programs that can make homeownership a reality. 🚀🔑

1️⃣ Financial Boost: Down payment assistance programs offer financial support to eligible homebuyers, helping them bridge the gap between savings and the down payment required.

2️⃣ Variety of Options: These programs come in various forms, including grants, forgivable loans, and low-interest loans. It’s essential to explore the options available in your area to find the best fit for your needs.

3️⃣ Eligibility Criteria: Each program has specific eligibility requirements, such as income limits, credit scores, and home purchase price limits. Understanding the criteria will help you determine if you qualify for assistance.

4️⃣ Homebuyer Education: Many down payment assistance programs require completion of homebuyer education courses. These courses provide valuable knowledge and insights to empower you throughout the homebuying journey.

It’s time to unlock the door to your future home with a little help from these incredible programs. Let’s get started on the path to homeownership! 🗝️💛

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

11/28/2023

If you hope to get the best mortgage rate possible, you’ll need to make sure that you are well-qualified. Below are some of the key criteria that lenders evaluate, as well as some tips you can use to improve your current standing.

🔸Credit Scores
The higher your credit score, the lower your mortgage rate

🔸Employment and Income Stability
Mortgage lenders prefer candidates that can prove steady employment for at least the past two years

🔸Debt-to-Income Ratio
Measures the total of all of your monthly minimum debt payments, plus your proposed new housing payment, divided by your stable monthly gross income.

🔸Down Payment
Since mortgages are price adjusted based on risk factors, a loan with 5% down is considered higher risk than one with 20% down, and will carry a higher interest rate.

🔸Cash Reserves
The standard requirement for cash reserves on a mortgage is two months – You must have enough liquid cash after closing to cover your new mortgage payment (principal, interest, taxes, and insurance) for at least the next 60 days

Once you’ve positioned yourself for the best mortgage rate, it’s time to comparison shop. Don’t know where to begin? Contact me and I will connect you with a few good lenders

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

11/27/2023

Ready to embark on the thrilling adventure of home buying? Buckle up and let’s dive into the exciting world of long-term goals and smart investments! 🌟💰

As you take this leap, it’s time to put on your visionary glasses and envision the future you desire. Consider not just the here and now, but also your career aspirations, family plans, and the vibrant tapestry of your lifestyle.

So, let’s break it down and offer a thoughtful perspective:

1️⃣ Career Goals: Will this home align with your professional aspirations? Consider the proximity to job opportunities and the potential for growth in the area.

2️⃣ Family Plans: Are you planning to expand your tribe? Think about the space and amenities you’ll need to accommodate a growing family.

3️⃣ Lifestyle: What activities and hobbies bring you joy? Look for a neighborhood that supports your preferred lifestyle, whether it’s proximity to parks, cultural attractions, or a vibrant community.

Remember, buying a home is more than a transaction—it’s an investment in your future and a reflection of your dreams. So, let’s put on our visionary hats, consider the long game, and find that perfect home that aligns with your aspirations! 🏡✨

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

11/26/2023

The property i’m buying does not appraise.�So…What can be done after a low appraisal?
☑️ A copy of the appraisal�☑️ challenge the appraisal�☑️ Renegotiate the sale price�☑️ Try putting more money down�☑️ Consider an alternative all-cash offer

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

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11/26/2023

Just like anything in life — relationships, career, health — you get out of it what you put in. Dreams are no different.

Whether it’s landing your dream job or buying your dream home, you need to put in the effort to achieve it.

If finding your dream home is your number one priority, reach out to me and see how I can help you get pre-approved!

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

11/23/2023

This Thanksgiving be thankful for a new home with new memories!

Sending you my warm wishes from home to home and from heart to heart to wish you a very Happy Thanksgiving.

May this day be a beautiful reminder of the wonderful things in life!

11/19/2023

The best thing in life are the people we love, the places we’ve been, and the memories we’ve made along the way!

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡

11/16/2023

Did you know? The median existing single-family sales price soared at an annual pace of 16.2%, a record since 1989! 🚀 While the market has its challenges, getting pre-approved for a mortgage with us is your first step to navigating it like a pro.

Your dream home is out there, and we’re here to help you grab the keys! 🏠🔑

Call me, email me, text me, or slide into my DMs…anyway you want, but help me help you! 😁 🏡