Jim Potts VA Home Loan Specialist #227144 & 1907235

01/15/2024

On this Martin Luther King Jr. Day, we reflect on the profound impact of a true champion for equality. At Synergy One Lending, we are steadfast in our mission to offer equitable and accessible mortgage solutions for everyone. Let's continue striving for a world where opportunities for homeownership are abundant for all.

01/01/2024

Wishing everyone a year ahead filled with countless reasons to smile. Happy New Year! 🎉✨

12/25/2023

Wishing everyone a very Merry Christmas! 🎁🎄

12/20/2023

This year has seen high interest rates and low inventory levels in the real estate & mortgage market, compelling lenders to become more innovative with home financing solutions. As a result, we saw the high-rate mortgage market of 2023 breath new life into the BUYDOWN phenomenon!

The resurgence of the buydown strategy has offered a financial advantage for first time homebuyers who are looking to secure lower rate payments on their first home. By paying upfront points to reduce the interest rate for the initial years of the mortgage, this not only results in immediate monthly savings, but also provides financial cushion during the critical early years of homeownership for first time homeowners. In effect, the buydown has put buyers on the fast track to homeownership, as they're no longer forced to wait endlessly on the sidelines for rates to come back down to a more affordable level.

Message me today if you'd like to learn more about this effective financing strategy! 🏡🔑

12/13/2023

12/05/2023

A 2-1 buydown provides the opportunity for reduced mortgage payments in the first two years, making it ideal for buyers whose income is anticipated to rise over the next few years. Other benefits include:

🏡 Ease into your mortgage payments
🏡 More affordable mortgage payment before buydown payment rate expires
🏡 More time to pay down bills, buy new appliances, or make upgrades to your home
🏡 Time to add to your savings account

Message me to learn how the strategic 2-1 Buydown could work for you!

12/04/2023

From elf names to strange holiday gifts – here are some festive facts about me that I bet you didn’t know! 🎁🔥✨

11/23/2023

Happy Thanksgiving! 🦃 Wishing everyone a safe & happy holiday weekend!

11/09/2023

You’ve been diligently paying rent for months — and now you’re finally ready to buy a home. 🏠😊 However, with most lenders, your rental history will NOT be included in the loan process.

So Synergy One Lending created the Renters Advantage program with you in mind. Our program considers your on-time rent payments to help boost your homebuying power. 🥂

Message me to learn more about how I can help create a home financing plan for you using your rent payment history!

11/07/2023

✨ Have you heard about the NEW Fixed Rate Second Mortgage? ✨ If you’re looking for ways to leverage your home's equity while maintaining a great rate on your first mortgage, this program offers QUICK access to funds, fixed interest rates, and predictable payments - making them an ideal solution for homeowners! Message me today to learn more!