The Mitchell Team, Manager, Kristen McConnell

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The Mitchell Team, Manager, Kristen McConnell

Hello I’m Kristen McConnell NMLS #2226369, the team manager for The Mitchell Team. Government. All trademarks are property of their respective owners.

Please like and follow "The Mitchell Team, Larry Mitchell & Kristen McConnell" as we've moved to a team page. NMLS # 2226369

Silverton Mortgage NMLS 1516
Licensing: https://silvertonmortgage.com/licensing/
Apply here: https://silvertonmortgage.com/kristenmcconnell/

Silverton Mortgage is authorized to originate FHA, VA, and USDA loans, but it is not an agent of, or affiliated with, the U.S.

12/25/2024

✨ This holiday season, take a moment to soak in all the warmth, laughter, and love with your family and communities. 💙

It’s the little moments that mean the most—the shared stories, the smiles around the table, and the simple joy of being together. 🏡 Let this season remind you of the magic in connection and the beauty of building memories with those who matter most.

12/24/2024

✨ Hosting season is here! Ready to welcome family and friends into your home? 🏡 Use this simple checklist to make your space cozy, inviting, and stress-free for your guests.

From decluttering to setting the vibe, it’s all about creating an atmosphere where memories are made and connections grow. 💙

If making a house a home is on your 2025 goals, let’s chat about your mortgage questions! We’re here to help you take that next big step. 🗝️

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12/23/2024

✨ True magic is found in the warmth of the people around us—our families, our communities, and the places we call home. 🏡

This week and this season, take a moment to reflect on how much growth has come from the love and support surrounding you.

As we prepare for a new chapter, pause to enjoy everything you’ve worked for and accomplished this year. 💛 Celebrate the moments, the connections, and the journey. You’ve earned it. 🌟

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12/19/2024

Want to make 2025 your year??✨

Let’s start here:

💰Put your savings into an account that helps it GROW! Do some research on different accounts and talk to a pro about to how to make your savings work harder for you!!

⏳Timing… Experts aren’t predicting mortgage rates making any huge moves next year, but home prices are expected to rise. Waiting for the “perfect” conditions could mean missing out on opportunities in front of you today.

🏡 Homeownership could be closer than you think! Mortgage programs today make it more attainable, like putting less than 20% down thanks to the help of mortgage insurance or getting down payment assistance. If you’re almost there but not quite, consider asking for a gift that keeps giving this year, like, help with the down payment! Just remember, work with a professional before making any transactions and to create a budget SOONER rather than later to make it all happen!

If you have any questions, I’m here to help!🫶🏼

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12/18/2024

December Market Update 🏡

Interest rates have been moving up and down this month, reacting to new economic data. The November Consumer Price Index (CPI) report, which measures changes in the price of goods and services, showed overall inflation rose 0.3%—just slightly above expectations. Year-over-year inflation ticked up from 2.6% to 2.7%, with food prices being a key driver behind this increase.
It was very optimistic to see rent and owner’s equivalent rent come in at lower figures. If this trend continues, it will make it much easier to make progress on inflation. As we’ve said before, we’ll see more on this in January and February as we head into the new year—coming up fast!
🤩

Inventory & Home Prices🏘️💸

Inventory is improving, but recent reports suggest the national average for home prices is expected to rise in 2025, driven by more buyers than available homes. With demand outpacing supply, now is the time to strategize and stay ahead of the market—especially if rates take any drastic turns.

Homebuyers✨

Rates aren’t expected to change much in 2025, and with home prices still rising, now is the time to explore your homeownership options. At Silverton, we’re always looking for ways to make homeownership more attainable, whether you’re ready to buy now or need a plan to get there. Creating a budget is key, and there’s no better time to start than now.

➡️Let’s talk about your goals and create a strategy to make them happen. Send me a message to get started!💌

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12/17/2024

🎁 The Gift That Keeps on Giving

Helping a loved one attain homeownership this season also means giving them the chance to start building equity and investing in their future. It’s a lasting gift they’ll thank you for forever!

Gift funds, which are contributions from family or close friends to help with down payments or closing costs, can make homeownership more attainable without the burden of repayment. However, everything about gift funds—who can give them, how much can be gifted, and how they need to be documented—depends on your specific loan program and personal scenario. That’s why it’s so important to connect with a lender before making any transactions. We’re here to answer all your questions because we’re passionate about helping you and your loved ones achieve the dream of homeownership! 🏡

📩 Questions about gift funds or other ways to make homeownership attainable? Let’s talk and get you started today!

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12/16/2024

Everything shifts when you realize that the best version of yourself isn’t something to wait for—it’s a daily choice you make. 🌟

2025 is around the corner, and now’s the time to make daily choices that bring you closer to your goals. Whether it’s learning about your options, saving strategically, or just taking that first step, now is the time to start. Make this be YOUR week!

We’re here to help you feel confident and empowered every step of the way. 💪

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12/12/2024

As the year winds down, it’s the perfect time to reflect on what we’ve accomplished and set our sights on 2025. 🌟

At Silverton, we’re dedicated to helping homebuyers achieve their dreams through smart budgeting, savings, and credit improvement—laying the groundwork for success in the new year. 🏡

We’re also proud to reflect on our own journey, like enriching 63,200 lives this year—homebuyers, agents, title companies, attorneys, appraisers, and everyone involved in a closing. Your trust and partnership have been invaluable.

As we plan for 2025, let’s remember the difference we’re making every single day. Together, we can reach new heights and create even more opportunities in the year ahead. Let’s stay motivated and start building the foundation for success now! 💪

✨ 🎯 🏡 💼 💙 🏠 🚀 💖 🌟

12/11/2024

5 Things to Take With You Into 2025 if You Want to Buy a Home 🏡✨

1️⃣ Save smart 💰
In a consumer-driven economy, saving is key. Consider putting your money into a high-yield savings account to grow what you already have. Small steps today lead to big gains tomorrow!

2️⃣ Tidy up your credit 📈
Pay bills on time, lower balances, and avoid new lines of credit. Strong credit is crucial for qualifying for the best loan programs.

3️⃣ Work with a mortgage professional 🏦
Don’t wait—we can help you:
• Create a budget.
• Break big goals into smaller, actionable steps.
• Find out how much you can afford and what steps to take.

4️⃣ Research where you want to live 🌍
This is where you’ll invest, make friends, and grow. Spend time getting to know the area to make sure it’s the right fit for your long-term goals.

5️⃣ Visualize and stay positive 🌟
Believe it’s already yours! Don’t let the media noise hold you back—there are loan programs to make homeownership more attainable:

• Bank statement loans for entrepreneurs.
• Future income programs for those changing jobs.
• Down payment assistance for upfront costs.

2025 is your year to make it happen! Start laying the foundation now, and let’s work together to make homeownership a reality.

📩 Ready to get started? Send me a message, and let’s chat!

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12/10/2024

🏡✨ Your Path to Homeownership Starts Here ✨🏡

Lately, I’ve been passionate about sharing options that make homeownership more attainable, and the Future Income Program is one of my favorites! It’s a game-changer for buyers who are starting a new job or expecting a pay increase.

Here’s why this program is so powerful:
✅ Flexibility: Begin your homeownership journey before your new job even starts.
✅ Confidence: Rest easy knowing your future earnings are factored into the process.
✅ Opportunity: Seize the market now without waiting for months of pay stubs.

With the Future Income Program, buyers can qualify for a mortgage based on a signed offer letter or contract, bypassing the traditional requirement of showing 2-4 months of pay stubs upfront. Within 30 days after closing, all you’ll need is a pay stub to confirm the income used to qualify.

If this doesn’t sound like the right fit for you, don’t worry—there are plenty of other options to explore. Let’s find the one that’s perfect for your journey to homeownership!

📩 Ready to learn more? Let’s connect and make your dreams a reality!

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12/09/2024

Why wait for the new year to start working toward your goals? The time is NOW to take action! 💪 Whether it’s crushing your career, improving your mindset, or even buying a home in 2025, planning and strategizing today will set you up for success tomorrow.

🏡 If homeownership is on your vision board, let’s create a strategy to get you there! There are options, resources, and ways to make it happen—no matter where you are starting from.

Don’t wait. Just start. Just do it. This week! 🙌

If you need someone to talk about those bold plans with this week, we’re here to help!

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✨ 🏡 📈 🚀 💡 🏠 💼 💪 🌟 🏆

12/04/2024

Bank statement loans make homeownership more attainable for self-employed individuals or those with non-traditional income. Instead of W-2s or tax returns, lenders review 12-24 months of bank statements to determine income.

✨ Benefits?

- No traditional income docs needed.
- A tailored approach for unique financial situations.
- A great option for self-employed buyers.

If this option doesn’t sound like you, don’t worry—there are plenty of other paths to explore! Let’s find the one that works best for you. 🏡

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Address

1140 Kildaire Farm Road Suite #205
Raleigh, NC
27511

Telephone

+19193964373

Website

http://www.ApplywithKristenMcConnell.com/

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