The Kyle Baker Mortgage Team NMLS 1428322

06/04/2025

🔥Throwback to some serious fire from Nike’s internal playbook.

This isn’t just about shoes. It’s about mindset. Business. Grit. Growth.

Every line hits. A reminder to stay sharp, stay bold, and stretch the possible. 💪

09/05/2024

🎤1. WHAT IS IT?
➡️Insurance that protects the lender if you stop making payments on your home loan.

🎤2. WHO IS REQUIRED TO HAVE PMI?
➡️Typically, on a conventional loan, if your down payment is less than 20% of the VALUE of the home, lenders will require you carry PMI.

🎤3. WHAT'S IN IT FOR ME?
➡️You get to buy a home for less than 20% down.

🎤4. CAN PMI BE CANCELLED?
➡️Conventional Loans--YES
➡️FHA Loans--NO

Contact me for more information and options!
📲407.969.8383

08/27/2024

🙌There is a lot of doom and gloom in the headlines about the real estate market but let’s get one thing straight: Buying a home in today’s housing market will get you ahead of the curve before rates drip and competition increase!🏡

08/26/2024

🤔If you've been waiting for interest rates to drop to save a few dollars or tap into your equity, now may be the right time to refinance! Refinancing in the next few months will likely mean:

📍1. You can lock in a lower rate because interest rates are decreasing

📍2. You can cash out on the equity you’ve built in your home

📍3. You can switch mortgage types

Feel free to shoot me a message with your current mortgage statement and we will see if now is the right time for you!

08/19/2024

📚AGENT FRIENDS🏡

Join us tomorrow for a FREE Open Webinar with Skye.Michiels! We will be deep diving into how to Navigate the NAR Settlement! We will be discussing the impacts of the settlement, share strategies for effectively selling yourself, and provide essential tactical tips for communicating with your buyers!

Don’t miss this chance to gain valuable insights from a top industry expert. Register now!

https://www.umortgage.com/rea-training

08/07/2024

Did you know that there are an estimated 1.8 million Purple Heart recipients? Today, we honor those individuals who were wounded and lost while serving our nation.🇺🇸💜

08/06/2024

Real estate agents, do you know what the NAR settlement means for both buyers and sellers? Is it possible to save money with commission while also staying competitive in the market? If you’re unsure the answer to these questions, join Skye Michiels today for a game-changing session on how to sell yourself to buyers during the ongoing NAR Settlement. Register here to save your spot:

Did you know that VA loans are the most misunderstood loan type? There are many myths floating around about the VA loan that we will debunk in our Serving Those Who Serve training with National Director of Military Lending, Patton Gade, and National Sales Leader, Jimmy Hobson, so that you can provid...

08/06/2024

📣We are Finally seeing some positive movement in mortgage rates! 🙌

12/28/2023

📣FOLLOW UP POST📣

📈National home prices have risen for the ninth straight month, with October’s 0.6% rise representing a new all-time high per Case-Shiller. October’s YoY increase of 4.8% was the fastest rate of the year, with appreciation around the country “broad based.” Case-Shiller noted that the report “reflects a rising tide across nearly all markets.” This is a positive news for all current homeowners and buyers in the market. As a follow up to yesterday's "Bold Prediction" if interest rates continue to come down, this will drive more buyer's to the market quickly with prices increasing as the market demands. If you are at all interested in buying or selling, reach out and lets run some numbers to see what makes sense!

🏡The future looks good for home appreciation!

12/27/2023

🔔 Bold prediction! 🔔

The upcoming 90 days present an excellent opportunity for buyers to take action. I foresee a noteworthy appreciation in real estate nationwide during 2024 📈.

Reflect on those who acquired homes in the quiet market of April/May/June 2020; their property values surged significantly, ranging from 20% to 100% by the end of 2021 🤑.

While history may not precisely repeat itself, I'm confident that the next few years will witness a resurgence in buying demand. As interest rates decline, a buying frenzy is likely to ensue, propelling home prices upward in numerous areas.

Consider this: if home prices remained resilient despite high rates, imagine the impact when rates drop in the coming year 🤷‍♂️. Spoiler: Home values won't be decreasing 🚫📉.

If you've been on the sidelines, now could be the opportune moment to make a move!

NMLS 1428322