Jessie Harper, Real Estate Loan Originator - NMLS #515912

Jessie Harper, Real Estate Loan Originator - NMLS #515912 Jessie has been with Altra since 2006. You can contact her with all your mortgage needs!

Are you wondering when the best time to buy a house is? While there is no one-size fits all answer, it is important to s...
01/11/2024

Are you wondering when the best time to buy a house is? While there is no one-size fits all answer, it is important to stay flexible and open to opportunities throughout the year. The best time to buy a house ultimately depends on your personal goals and circumstances. Whether you're a first-time homebuyer or looking to upgrade, the Mortgage team at Altra can help guide you through the process and find the perfect home for you. Contact me today to start your home buying journey!
https://myoc.io/fk1MDRlHBKR

Myth: You should always choose a 30-year fixed rate mortgageFact: A 30-year fixed rate mortgage is a popular option; how...
01/08/2024

Myth: You should always choose a 30-year fixed rate mortgage

Fact: A 30-year fixed rate mortgage is a popular option; however, it may not be the right choice for everyone. There are many other mortgage options to consider such as an adjustable-rate mortgage, 15-year fixed-rate mortgage and more!

Which mortgage option will be best for you depends on your financial circumstances and goals. At Altra, we have a variety of mortgage options to meet your individual needs. I can help you explore all your options and find the mortgage that's the best fit for you! Contact me today to learn more about what mortgage option is right for you.
https://myoc.io/fk1MDRlHBKR

Mortgage Fun Fact: The majority of us need a mortgage. Although it would be nice to have the money to pay your mortgage ...
01/04/2024

Mortgage Fun Fact: The majority of us need a mortgage.

Although it would be nice to have the money to pay your mortgage upfront in cash, for a lot of us that is not the reality. In fact, only 12% of home buyers pay cash for a home and the other 88% must take out a mortgage. A lot of the time having a mortgage is the better option for many, giving you more financial flexibility. Mortgages also allow you to increase your credit score and leverage a higher return if your property value rises. Have more mortgage related questions? Contact me today!
https://myoc.io/fk1MDRlHBKR

Owning your home means that you will build equity with each Mortgage payment that you make. But what is equity? Equity i...
01/01/2024

Owning your home means that you will build equity with each Mortgage payment that you make. But what is equity?

Equity is the portion of the home or property that you, the homeowner owns. It is the difference between how much your home is worth and how much is left on the outstanding balance on your mortgage or loans. Equity can be increased by two separate ways: when the property value increases or when the homeowner pays down the mortgage or loan principal.

Start building your equity today with your home purchase at Altra! Contact me with any questions you have about the home buying process.
https://myoc.io/fk1MDRlHBKR

A down payment is the part of what you pay to buy a house that is not included in your loan amount. However, it is what ...
12/25/2023

A down payment is the part of what you pay to buy a house that is not included in your loan amount. However, it is what you owe at the time of purchase. You may not need 20% down to purchase a home, but saving for a down payment will likely cause you to pay off your mortgage sooner. You will also save yourself some interest and build equity quicker when you put down a solid down payment!

Determine which loan options we have here at Altra that are right for you: https://www.altra.org/personal/mortgage/home-loan-choices
https://myoc.io/fk1MDRlHBKR

Before you apply for a mortgage, it's important to check your credit reports and scores. Lenders use these reports to de...
12/21/2023

Before you apply for a mortgage, it's important to check your credit reports and scores. Lenders use these reports to determine if they will loan you money, and at what interest rate.
https://myoc.io/fk1MDRlHBKR

Ready to put down that down payment and commit to buying a home? Here are some of the homebuying basics that you should ...
12/18/2023

Ready to put down that down payment and commit to buying a home? Here are some of the homebuying basics that you should know.

π’π­πžπ© 𝟏: Start with Pre-approval: When you and your lender have discovered how much you are comfortable borrowing, they will issue a pre-approval letter. A preapproval letter will provide you with a competitive advantage over other potential buyers who are not yet pre-approved.
π’π­πžπ© 𝟐: House Hunting: Start looking for homes that will fit your approved loan amount, and your wants and needs. We suggest working with a realtor to find your dream home!
π’π­πžπ© πŸ‘: Make an offer: When you have found your perfect home you will make your offer to purchase.
π’π­πžπ© πŸ’: Underwriting: Your loan request will be reviewed by our underwriting department for final approval.
π’π­πžπ© πŸ“: Closing: Once approval is received, there will be a closing date and time with all parties.

Click here for more information about the home buying process:https://www.altra.org/media/e2qfussq/ht_basicsofhomebuying.pdf
https://myoc.io/fk1MDRlHBKR

Before shopping for a home, it’s important to figure out how much house you can comfortably afford. A good rule of thumb...
12/14/2023

Before shopping for a home, it’s important to figure out how much house you can comfortably afford. A good rule of thumb is to spend no more than 28% of your gross monthly income on housing-related costs and 36% on total debts, including your mortgage, credit cards and other loans.
https://myoc.io/fk1MDRlHBKR

When in the home buying process, skipping the preapproval process may seem like a time saver, but it could cost you in t...
12/11/2023

When in the home buying process, skipping the preapproval process may seem like a time saver, but it could cost you in the long run. One of the most important steps in the home buying process is getting preapproved for a mortgage. It helps you understand how much you can afford, so you don't waste your time looking at homes outside of your budget. Without preapproval, you risk missing out on your dream home or getting caught in a bidding war.

Don't skip this crucial step in the home buying process! Contact me today to get preapproved and to start your home search with confidence.
https://myoc.io/fk1MDRlHBKR

You made your down payment, but don't forget about closing costs! Closing costs are an essential aspect of the home buyi...
12/07/2023

You made your down payment, but don't forget about closing costs! Closing costs are an essential aspect of the home buying process that you should be aware of.

So what are closing costs? Closing costs can be extra fees or expenses associated with finalizing your mortgage that can add up quickly. These can include origination fees, appraisal fees, title search fees, and more.

Do not let closing costs catch you by surprise! Get an estimate of what your closing costs are going to be early on in the home buying process. Contact me today to learn more about the home buying process and to learn how I can help you navigate closing costs.
https://myoc.io/fk1MDRlHBKR

Your debt-to-income (DTI) ratio is used by lenders to assess your creditworthiness. Paying down your debts will lower yo...
12/04/2023

Your debt-to-income (DTI) ratio is used by lenders to assess your creditworthiness. Paying down your debts will lower your DTI and could help raise your credit score.
https://myoc.io/fk1MDRlHBKR

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Onalaska, WI
54650

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+16088815335

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