Aaron Beard, CMPS - Flat Branch Home Loans

04/03/2023

💡 While both are generally the responsibility of the homebuyer, a down payment and closing costs are separate from each other.

😮 Closing costs cover fees, taxes, and administrative expenses required to finalize your home purchase.

📝 In addition to your down payment, you will need to have funds available to pay for closing costs at closing time.

03/30/2023

🤔 Looking for a new home?

💡 You may want to consider factors beyond the home itself!

Learn more here ⬇️

Buying a new home? Check out this list of external factors to look for in a property when purchasing!

03/28/2023

💚 There are so many benefits to working with a Flat Branch lender!

🙏 We would be happy to work with you.

☎️ Contact us today to get started.

03/27/2023

💡 While you may have heard you need to save for a down payment, you may not know about your ZERO down payment options!

🙌 You may often be told that you need 20% for a down payment, but there are options where ZERO down payment is required.

🎉 We can explore zero and low down payment loan options with you!

03/23/2023

🙏 Whether you're a homeowner or renter, remember to maintain an emergency fund.

🤯 Emergency funds help when the "anything can happen" happens, such as an exploding tire or emergency room visit.

💡 Keeping an emergency fund available can help you stay on track with your bills even during an emergency.

03/21/2023

💡 Homeowner's insurance is an important and necessary part of owning a home!

🔎 Your lender or real estate agent can provide you with a list of local insurance companies, or you can utilize your own local insurance company to obtain homeowner's insurance.

📝 This type of insurance covers you if damage occurs to your home. Be sure to check any requirements when learning about insurance, such as flood insurance in certain areas. You will need to show proof of homeowner's insurance at closing.

03/20/2023

🌱 Today is the first day of spring!

🌼 Enjoy the warmer weather and blooming flowers this season.

03/16/2023

🤔 Ready for a summer DIY project, but not sure where to start?

This week's blog has some ideas! Learn more here ⬇️

Ways to improve your home on your own.

03/14/2023

😮 When you are going through the home loan process, you may hear the word "escrow".

💡 As you are closing, your lender may set up an account called escrow where some of your monthly loan payment is deposited to cover parts of your mortgage payment. These costs may include real estate taxes, insurance premiums, or private mortgage insurance.

☎️ If you have questions, give us a call today to learn more!

03/13/2023

🤔 At times, the different loan types can seem confusing, and there is a misconception that the VA loan specifically is difficult.

💡 However, that is not true. The VA loan is a great way to show appreciation to our military members and veterans, and many of our lenders specialize in this loan type.

☎️ Never hesitate to contact us today to learn more about this loan type!
https://flatbranchhomeloans.com/loan-programs/va-loans

03/09/2023

💡 Find out what you're pre-qualified for before starting your house search!

💪 This shows home sellers you're a legitimate buyer and helps you budget for your new home.

03/07/2023

💡 If you've recently bought a new home, it's important to change your address!

👍 While this list is not all-encompassing, it is a good place to start.

🔎 Review this list to verify the entities you need to change your address with https://moversguide.usps.com/mgo/disclaimer