Craig Mortgage Mcintosh

01/23/2023

Buying a house, I well try the utmost best to find you the best rate but will guarantee you the best service!!!

The mortgage place

01/09/2023

01/03/2023

🚨General PSA on options for home loan financing. Hit me up in the DM’s if you have questions on anything.🚨
📑 If you have good credit and good income, you’re probably looking at conventional loan
📉If your credit is less than perfect, you can use an FHA loan, I’ve closed loans with sub 580 FICO’s.
🏬If you’re a business owner and your tax returns don’t show enough income, you can use a bank statement loan.
🪖 If you or your spouse served in the military, you might be eligible for VA loan, which are the BEST home loans
✅ If you want to buy an investment property, there’s no income documentation necessary on DSCR (Debt Service Coverage Ratio) or using market rent.
💰If your income just doesn’t qualify, you can use the no ratio loan with a 20% down payment or equity for refinance.
⛱️ If you want to buy a vacation home, you only need 10% down.
🏚️ If a Home need some work you can do a renovation loan, or a fix and flip
👴 If you’re 62 years or older, you can use a reverse loan and you don’t have any mortgage payments, just taxes/insurance.
🎁 If you’re buying a home from a family member, you can use a gift of equity for the down payment and closing costs
💰If you don’t have enough money for a down payment, there are down payment assistance programs.
🏞️ If you look for homes in more rural areas, you might have access to USDA loan, which doesn’t have any down payment requirements, 100% financing.
🏬 If your buying multi-unit properties, more than 4 units, you’ll use a commercial loan.
🏘️If your selling one investment, to buy two others and defer capital gains tax, you’d use a 1031 Exchange.

10/23/2022

🎙️ 𝐀𝐧𝐝𝐫𝐞𝐬 𝐈𝐧𝐢𝐞𝐬𝐭𝐚 – "When I was struggling with depression, my most enjoyable part of the day was when I took my pill and went to sleep at night. You lose joy from life, from everything. I hugged my wife, but it felt like hugging a pillow. You feel nothing.

I am still going to therapy, as I need to be at peace with myself. I like to listen to professionals talk about mental health and depression. You tell yourself: This is not me. It's your body, but you have no life, no joy, and no energy.

Eventually, life teaches you that depression and mental health can affect anyone. It's not about material things. I could have had all the cars in the world and everything I wanted, and it still hard to face life's problems. You need to train your brain! 😔💔

10/10/2022

Condominiums offer convenience and flexibility but come with different mortgage requirements than traditional homes. Call us today and let’s talk about your options!

The mortgage place

10/02/2022

Looking for a safe, quiet neighborhood with room to grow? Take advantage of a $0 down payment and the low monthly mortgage insurance with a USDA loan!

09/28/2022

Realtors, are you working with a borrower that has or wants to buy a property with any of the following attributes?
More than 5 acres
Multiple structures
Unpermitted structures
Non-warrantable condos or condos in Litigation
5-8 units, TIC’s, Condo-tels and more!

Call me 850 238 9945