Jennifer Lyman NMLS # 1898451

05/05/2023

Hey realtor friends! Our brokerage just helped win an offer for a east side Lehi condo against 5 other offers (including beating the cash offer) because we can do a financing and appraisal deadline 10 days from now. Speed matters! Especially in this current market. Reach out if you want to know more!!

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04/18/2023

Calling all licensed Real Estate friends!
You’re invited to a Partner Mindset event that our company is co-sponsoring. The event is FREE with a lunch provided and with opportunity to network with like minded industry people.
We all need to help each other in this very different market, and it all starts with mindset! We can’t wait to share these incredible strategies and tools to help you grow this year. Registration is below, and space is limited. We hope to see you there!

04/18/2023

Hi friends! I am so excited to announce that I have switched brokerages and I am now working for Revere Home Loans. This new company has the lowest margins of any brokerage I know about, which means I am confident I can get you (or your clients) the best rate out there! Revere Home Loans is also super streamlined with its processes and you will have me there to help every step of the way!

03/30/2021

I was able to help these two get a mortgage to fit their needs as they bought their first home! Such a momentous day for them! Congratulations, Mark and Erin!!

11/06/2020

Are you hesitant about refinancing because you don't want to go back to a 30 year mortgage, but can't quite swing a 15 year? One of the companies I work with that has a flex term - you can set the term of your loan! If you've been paying for 3 years and don't want to lose that time, you can do a 27 year flex term, lower your rate and payment and still be paid off in the same amount of time! (I would recommend continuing to pay the same amount and get that mortgage retired even earlier, but that's just me😉) Rates are at historic lows right now, so if you've been throwing around the idea of refinancing, give me a call and let's see what we can do! It never hurts to check!

07/07/2020

Right now is a fabulous time to refinance! Rates are at record lows, and I would love to crunch some numbers for you to see if refinancing is right for you. Really, I love making spreadsheets, so give me a call. If you are concerned about "losing" the time you've already paid your mortgage, I can quote you the new payment for any amount of time with a flex term. You can choose how many years you would like - 25, 23, 18. You can reduce your monthly payment and pay your loan off faster. Win-win!

03/17/2020

Here is a good article explaing why mortgage rates aren't at record lows despite the cut the Fed recently made. There are so many factors with mortgage rates, including your own situation. If you are curious about how rates would look for your individual situation, contact me and I'll be happy to run the numbers. Rates were at an all-time low last Monday, but jumped up by the end of the week. If you are serious about purchasing or refinancing, let's get your basic information in the system so we can jump quickly when the time (and rate) are right.

Lots of words recently and lots to do for all of us, so let's make this simple. No, you can't get a that new 0% mortgage rate you heard about! It doesn't exist. That's the Fed Funds Rate. It applies to overnight loans between the biggest financial institutions...

02/25/2020

Rates are looking pretty great right now! If you have a loan over 4% or are paying monthly mortge insurance, it could be a great time to refinance. Contact me and I will run some numbers to see what refinancing could do for you. Because of the increasing home values in Utah, if you have owned your home for more than a year, chances are you have built enough equity to refinance without mortgage insurance.

01/28/2020

Your credit score can impact the pricing you can get on your mortgage. For a lot of lenders, 740 and above is required to receive the best deals. It will be interesting to see how scores change this summer.
The best way to improve your score is to pay your bills on time and do it for a long time. The longer you have an account open, the better. So, don't be quick to close out credit cards that you may not be using regularly if you have had them for a long time - that could hurt your score. Don't carry a balance on your cards if you can help it - use them as a tool to manage your cash flow and help build your credit. I love talking about this stuff, so if you want other ideas on how to up that score, give me a call!

FICO announced this week its latest version of the FICO score, a three-digit number that assesses a person's credit risk. The new scoring model will take consumers' debt levels into account and will more closely track personal loans.

01/06/2020

I'm having so much fun helping friends and family with their home finance needs! I've been able to use some of my mad spreadsheet skills to help them figure out a situation that will help meet their needs and help them reach their goals. Rates are great right now, so if you have been thinking about refinancing in order to get a better rate, get rid of mortgage insurance or shorten your term, contact me and I will run some numbers for you!