Patrick Browne Omega Mortgage Group

02/05/2024

A 2-1 buydown is a great way to save money on the monthly payment right out the gate!

Call me today to see how this process works and how you can take advantage of an initial lower monthly payment on your new home purchase!

So, how does a temporary buydown work?

In a 2-1 buydown, the interest rate on a mortgage is reduced by 2% in the first year and 1% in the second year. Starting in the third year, the borrower begins making payments at the full rate of interest on the mortgage.

Have questions? 🤔

Call us today, and let us help YOU. | https://www.omglending.com/



Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org

01/08/2024

Looking to buy a home in the New Year? Call me with any questions you might have on the journey to homeownership!

🏡 Homeownership Tips from OMG Lending! 🌟💙

DO:
1️⃣ Save money on a downpayment: Building your dream home starts with saving smartly. Put aside funds for that downpayment, and watch your homeownership dreams take flight.

2️⃣ Work on your credit score: Your credit score is your key to unlocking favorable mortgage rates. Boost it by paying bills on time and managing credit responsibly. A higher score can mean lower interest rates!

3️⃣ Buy your own property: Why rent when you can invest in your future? Make the leap to homeownership with OMG Lending by your side. We're here to turn that "For Sale" sign into your dream home. 🏡

4️⃣ Talk to a mortgage broker for the best interest rate: Our expert mortgage brokers at OMG Lending can help you navigate the complex world of interest rates. Let us find the perfect rate that fits your budget and goals.

DON'T:
1️⃣ Spend all the money you make: Smart financial decisions pave the way to homeownership. Budget wisely, save diligently, and watch your home fund grow. Your dream home is worth the investment! 🏡

2️⃣ Pay your bills late: Timely bill payments are a crucial part of maintaining a healthy credit score. Keep your financial track record pristine to secure the best mortgage terms and conditions.

3️⃣ Rent: Why pay someone else's mortgage when you could be building equity in your own home? Break free from the rental cycle and embrace the joys of homeownership with OMG Lending. 🏡💙

4️⃣ Only use your current bank for a mortgage: Explore your options! OMG Lending offers a range of mortgage solutions tailored to your needs. Don't limit yourself – let us find the perfect mortgage match for you.

Ready to embark on your homeownership journey? Contact OMG Lending today, and let's turn your dream home into a reality!


Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.com

10/18/2023

Always take care of your credit! Not only will it make the home buying process easier but it will open more doors for long term investments and wealth building.

Your credit score is your financial superpower, and here are 4 amazing benefits of having a high one:

1️⃣ Unlock Better Loan Rates: A stellar credit score means lower interest rates on loans. Save big bucks in the long run on your mortgage loan!

2️⃣ Smooth Mortgage Approval: Dreaming of that cozy home? A high credit score can make mortgage approval a breeze, opening the doors to your ideal house.

3️⃣ Flexible Loan Options: With a great credit score, you'll have access to a wide range of loan options. Pick and choose what suits your financial goals!

4️⃣ Room for Negotiation: Negotiation is an art, and a high credit score gives you the upper hand. Leverage it to get the best deals on loans and interest rates!

Boost your financial freedom with a high credit score. Start building your financial future today!





Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org

10/04/2023

There are many loan options to fit your certain needs, but the most popular has been the 30-year fixed conventional mortgage. If you or your family have ever wondered what a new conventional home purchase would look like, give me a call today to go over the qualification process!

Omega Mortgage Group's conventional fixed-rate mortgage loans come in a variety of options and with excellent advantages for qualified borrowers. While FHA and other government loans can have certain property restrictions, a conventional loan can be used on nearly all property types.

Looking to purchase a new home this summer? Contact us today, and let's get you pre-approved. | https://www.omglending.com/loans/fixed-rate/






Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org

09/25/2023

Our team at Omega Mortgage Group understands the importance of finding a mortgage lender who possesses qualities such as honesty, truthfulness, and patience. We believe the most reliable way to find such a lender is by seeking recommendations from your trusted friends and family members.

We take pride in being the lender that you would confidently refer to your loved ones. Our commitment to transparency, integrity, and exceptional customer service sets us apart in the industry.

With Omega Mortgage Group, you can expect a professional and dedicated team to guide you through the mortgage process with patience and clarity. We prioritize your needs and goals, ensuring that you make informed decisions every step of the way.

Rest assured that when you choose Omega Mortgage Group, you are choosing a lender who values your trust and satisfaction above all else. Contact us today to experience the difference we can make in your mortgage journey. | https://www.omglending.com/





Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org

09/20/2023

There are many different factors to consider when shopping for a mortgage. At times it can seem overwhelming, but with the right guidance we can find the best mortgage for your situation.

Call me anytime to see what fit is best for you and your family when purchasing a new home!

Shopping for a mortgage can be overwhelming, but considering these factors can help you make the best decision for your financial future.

Interest Rate: This is the amount of interest charged on the loan; a lower rate can save you thousands of dollars over time.

Down Payment: This is the amount of money paid upfront to purchase the home. A higher down payment typically means a lower interest rate and monthly payments.

Loan Term: The length of time it takes to repay the loan.

Lender Reputation: The lender's reputation is essential to consider researching the lender's reputation, customer reviews, and complaints before choosing a lender.

Type of Mortgage: There are several types of mortgages. Each type has pros and cons, and it is essential to understand which type of mortgage is best for your financial situation and long-term goals.

Credit Score: Your credit score is a significant factor in determining your eligibility for a mortgage and the interest rate you will receive. It is essential to check your credit score and take steps to improve it before applying for a mortgage.

Considering these factors, you'll be better equipped to find a mortgage that fits your needs and budget. Visit our website for more information on our loan types. | https://www.omglending.com/loans






Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. ba
Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and MLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org.

09/06/2023

Planning is everything! Knowing what you and your family are going to do step-by-step will help you succeed in buying your dream home.

Call me today with any questions you might have to get on the right path to homeownership!

When it comes to buying your , first things first...

✔️ Prepare. Prepare. Prepare.
✔️ Plan Everything Out, Step-By-Step.
✔️ Do Your Research.
✔️ Seek A Professional's Help ( ).
✔️ Ask Lots of Questions.

If you're interested in refinancing or buying a new home, don't just wait...call us today and let us help YOU. | https://www.omglending.com/






Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org.

08/30/2023

One of the best ways to see a return on your investment is to purchase your own home! As you pay your mortgage over time you are actively gaining equity and building your net worth.

If you ever are thinking rent vs. buy, give me call as we can discus your current situation and see if buying is right for you.

If you’re considering buying a home this year, be sure to factor in the long-term benefits of homeownership. Over time, homeownership allows you to build equity. On average, nationwide home prices appreciated by 290.2% over the last 32 years. That means your net worth can grow significantly in the long term when you own a home.

Call us today, and let us help YOU. | https://www.omglending.com/





Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org

08/28/2023

Both an inspection and a appraisal are two very important steps of the home buying process. Make sure you know the differences and how they can help you decide which home is right for you!

What’s the difference between a home inspection and an appraisal?

If you’re planning to buy a home, an inspection is an important step in the process. It assesses the condition of the home before you finalize the transaction. It’s also a different step in the process from an appraisal, which is a professional evaluation of the market value of the home you’d like to buy.

>>Home Inspection

Here’s the key difference between an inspection and an appraisal. Bankrate says, “In short, while an appraisal helps you understand a home’s value, inspections help you understand a home’s condition.” The home inspection is a way to determine the current state, safety, and condition of the home before you finalize the sale. If anything is questionable in the inspection process – like the age of the roof, the state of the HVAC system, or just about anything else – you as a buyer have the option to discuss and negotiate any potential issues or repairs with the seller before the transaction is final.

>>Home Appraisal

NAR explains, “A home purchase is typically the largest investment someone will make. Protect yourself by getting your investment appraised! An appraiser will observe the property, analyze the data, and report their findings to their client. For the typical home purchase transaction, the lender usually orders the appraisal to assist in the lender’s decision to provide funds for a mortgage.” When you apply for a mortgage, an unbiased appraisal (which is required by the lender) is the best way to confirm the value of the home based on the sale price.

Contact us today. | https://www.omglending.com/loans/




Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org.

08/21/2023

Even in an unpredictable market I can always discover the best fit for you when buying your first home or looking to invest into another property.

Call me today with any questions you may have!

When buying a home, several factors can determine your interest rate.

Here are the top four:

➡️ Loan Type - Different loan types come with varying interest rates, depending on the lender's risk level.
➡️Credit Score - A higher credit score generally means a lower interest rate, showing that you are a responsible borrower.
➡️Down Payment - Putting a larger down payment on your home can potentially lower your interest rate, as it shows the lender that you have a lower risk of default.
➡️Loan Amount - Larger loan amounts can mean higher interest rates, as they present a greater risk to the lender.

Understanding these factors can help you get the best rate possible!

Contact us today, and let us help you get into the home of your dreams. | https://www.omglending.com/your-mortgage-rate/



Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 | Arizona Mortgage Banker-BK-1007664, California DBO-60DBO54772, California DRE-01473863, Idaho-MBL-9351, Nevada-4482, Oregon-ML-5506, Texas-SML, Washington-CL1253874

08/18/2023

Minimum down payment on your future home can be as little as 3% for some qualified borrowers!

Call me today with any questions on qualifying and your home buying process!

Thinking about purchasing a home and becoming a homeowner? Don't let the thought of a large down payment scare you away. You may be eligible for a home loan that offers a lower down payment.

Contact us today, and let us help you get into the home of your dreams. | https://www.omglending.com/




Infinity Equity Group, LLC f/k/a Infinity Equity Group, Inc. dba Omega Mortgage Group. | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act -106851 and NMLS #1253874 AZ license #1007664 | CA 41DBO-106851 | CO none | FL MLD2263 | ID MBL9351 | NV 4482 | OR ML-5506 | TN 1253874 | TX none | WA CL-1253784 | www.nmlsconsumeraccess.org