Sam Guerrier Mortgage Loan Orginator

08/03/2024

New on the Market

07/20/2024

New on the Market

07/17/2024

Price Reduction

06/28/2024

Just Sold!

06/28/2024

Just Sold!

06/28/2024

Discover your dream home at Windsor Palms, just minutes from Disney World, Margaritaville, SeaWorld, and Universal Studios. This prime location in Kissimmee offers quick access to major highways, renowned restaurants, premium shopping outlets, and world-class golf clubs. Situated in a secure, guard-gated community, enjoy top-notch amenities such as a hot tub, game room, and fitness center. This beautifully furnished 3-bedroom, 3-bathroom townhouse features tile floors in the common areas and carpeted bedrooms for added comfort. Enjoy a private screened pool, accessible from a spacious open living room, perfect for relaxation and entertaining. The modern kitchen comes fully equipped with essential appliances, ample countertop space, and a convenient breakfast bar. Additionally, the townhouse is equipped with a washer and dryer, ensuring convenience for everyday living. Ideal for families and professionals, this luxurious resort-style rental promises comfort and convenience. Schedule your showing today and make this beautiful home yours!

06/28/2024

11/20/2023

Although renting will offer nothing tangible to show after years of rental payments, it can be a great option while you prepare to buy. If you’re ready to start having your monthly payments benefit you instead of your landlord, let’s get together and create an action plan to get you into homeownership.

11/17/2023

🚫Denied for a Home Loan? Know the Reasons! 📉❌

📌Credit Issues: Low credit score or history of missed payments.

💰Income Shortfall: Insufficient income to cover the loan.

📥Employment Changes: Frequent job changes or instability.

📊 High Debt-to-Income: Too much-existing debt compared to income.

📝Incomplete Documentation: Missing or incorrect paperwork.

🏦 Property Appraisal: Issues with the property's value or condition.

Understanding these factors can help you address concerns and work toward securing your dream home.

Need guidance? I’m here to help! 🙃🙃

11/15/2023

A monthly mortgage payment typically consists of several components, often abbreviated as PITI:

1. Principal (P): This is the amount of money that goes toward paying down the actual loan amount. Each mortgage payment reduces the outstanding loan balance.
2. Interest (I): This is the cost of borrowing money and is the fee charged by the lender for providing the loan. The interest amount is based on the remaining loan balance and the interest rate.
3. Taxes (T): Property taxes are usually collected as part of the monthly mortgage payment. The lender may hold this money in an escrow account and then pay the property taxes on your behalf when they become due.
4. Insurance (I): Homeowner insurance is typically required by the lender to protect against damage to the property. Like property taxes, insurance premiums are often paid through an escrow account.

11/13/2023

I believe one of the most significant responsibilities before a closing, is avoiding big purchases. Here’s why:

💰 Maintain Financial Stability: During the loan approval process, your financial stability is checked. Big changes in your money situation can hurt your loan approval or change your interest rate.

💰 Preserve Your Debt-to-Income Ratio (DTI): Your DTI shows if you can handle mortgage payments. Big purchases can raise your monthly debts, possibly making your DTI too high.

💰 Minimize Credit Score Impact: Big purchases often involve getting loans or new credit accounts. These can lead to credit checks and lower your credit score temporarily.