Olivia Ort Mortgage Broker NMLS #2399930

06/19/2024

🌟 Exciting News for Future Homeowners! 🌟

We are thrilled to announce that we will be accepting Florida Hometown Heroes applications ahead of the July 1st funding date! 🏠✨

Here's what you need to know to qualify:

🔹 FICO Score: Minimum 640
🔹 Employment: Full-time (35+ hours) in the state of Florida (Self-employed borrowers are eligible too!)
🔹 Income Limits: Vary by county

The program offers up to $35,000 in down payment and closing cost assistance! 💰

Don't miss this fantastic opportunity to achieve your dream of homeownership. Contact us today to get started on your application!

📞 941-465-0939
📧 [email protected]



Feel free to share this post with anyone who might benefit from this amazing program! 🌟

05/12/2024

Floridas Hometown Heroes program frequently runs out of funds and FAST! Thats why you have me to remind you to get ready because this comes back IN JULY!

Its the middle of May which means you have the rest of May and all of June to prepare yourself for this opportunity. INCLUDING getting that FICO score to 640 if you aren't quite there yet!

So book an appointment with me, 100% free, to discuss your potential eligibility and what you need to do to prepare!

https://calendly.com/loanswitholivia-vcwz/15min

Olivia Ort
Mortgage Broker
NMLS #2399930

04/02/2024

Attention to all my Facebook friends looking for today's FICO score wisdom: NEVER... yes, I mean NEVER miss a payment. But wait, let's not rush off just yet! It's crucial to understand the nuances behind this advice, so don't scroll away before absorbing these key points!

1. **Impact of Payment History**: Did you know your payment history accounts for 35% of your credit score? Yes, you read that right. It's the most significant factor influencing your FICO score and, unfortunately, the toughest to rectify once damaged.

Why is it so challenging? The reality is, convincing a company to remove a late payment mark from your record is exceedingly difficult. So, what's the remedy for late payments? The answer is TIME. It takes patience and consistent on-time payments to heal your credit history.

2. **The Golden Nugget of Knowledge**: Here's a crucial piece of information - a payment isn't officially considered "late" for credit reporting purposes until it's 30 days past the due date.

What exactly does this mean? Let's say your payment is due on the 1st of the month. The creditor will not mark it as "30 days late" until the 31st day after your due date. However, be aware, this doesn't protect you from potential late fees.

So, what's the takeaway? In today's challenging economic climate, I know many are living paycheck to paycheck. But with essentially a 30-day "grace period," it's vital to at least make the minimum payments on your debts to prevent the negative impact of a late payment on your credit score.

Wishing you all a productive and savvy Tuesday!

02/20/2024

Considering buying a new build and wondering, "Do I need a realtor?" 🏠✨ Here's why the answer is a resounding YES:

🔑 Why Do I Need a Realtor for a New Build Purchase?

- Expert Negotiation Skills: Your realtor can negotiate on your behalf for upgrades, closing costs, and more, potentially saving you thousands.

- Invaluable Market Knowledge: They'll ensure you're paying a fair price by comparing the home to current market conditions.

- Seamless Guidance: From understanding complex contracts to navigating the closing process, your realtor is there to simplify things.

- Your Advocate with the Builder: Having someone to address any issues directly with the builder can be a lifesaver, ensuring your voice is heard.

- Costs You Nothing: Typically, the builder covers the buyer's agent commission, meaning you get professional advice and peace of mind for free.

Remember, the builder's sales agents look out for the builder's interests. Having your own realtor means someone's got your back! 🛡️👍

02/15/2024

Closed and funded with success! 🌟 Chris Yambo discovered an incredible home for our first-time buyers, and they've officially closed today! Thanks to their superstar agent, who secured a 2-1 buydown, they're kicking off their homeownership journey with an attractive rate in the high 4s for the first year!! Truly, taking advantage of temporary buydowns is a smart move in this market, helping you land the home of your dreams! 🏡✨

02/12/2024

Its a good day for a CTC!!

01/05/2024

Who is going to come see us this weekend?

OPEN HOUSE TOMORROW 12-3PM

01/05/2024

🎓 Class is in session, and today's lesson is all about the FICO Score! 📚✨

1. **Payment History (35%):** Think of it as your financial report card – pay those bills on time for an A+! ⏰🅰️

2. **Credit Utilization (30%):** It's a delicate dance! Keep those credit card balances under 30% for a stellar performance. 💳💃

3. **Length of Credit History (15%):** The longer, the better! Showcasing your credit journey earns extra credit. 📆🌟

4. **New Credit (10%):** Easy does it! Opening lots of new credit can be a detour. Slow and steady wins the race. 🐢🛑

5. **Credit Mix (10%):** Diversify for success! A mix of credit types adds richness to your financial portfolio. 🌈💼

Consider this your crash course in FICO excellence! Take notes, ask questions, and let's ace that credit game! 🎒💯

01/04/2024

Shameless plug alert! 🌟 If you're in the market for a home loan this year, hit up ya girl – because, you know, I might just have a prank involving plastic roaches waiting for your car if you don't. 😉 Just kidding, but seriously, let's make your homeownership dreams a reality together! 🏡

01/03/2024