The Mike & Rick Team - Home Loan Advisor NMLS 54483

Home
United States
San Dimas, CA
The Mike & Rick Team - Home Loan Advisor NMLS 54483

Churchill Mortgage NMLS 1591

01/20/2025

We're so thankful to take a day to honor the life, legacy, and impact of Dr. Martin Luther King, Jr.

01/17/2025

Big news for homebuyers! The CFPB has ruled to remove medical bills from credit reports 👏

Here’s why this matters:
→ Boosted Credit Scores: On average, removing medical bills could increase credit scores by 20 points.
→ More Affordable Mortgages: The CFPB expects this change will help 22,000 more families secure affordable mortgages every year!

Higher credit scores mean better loan options, lower interest rates, and a smoother path to homeownership and we're excited for those is going to positively impact! Reach out with any questions!

01/14/2025

Did you know the average homeowner with a mortgage now has $319,000 in home equity? That’s the incredible and shows the power of homeownership in creating generational wealth!

🔑 Homeowners: Your equity is more than just a number—it’s a tool! Whether you’re looking to fund a dream project, pay off high-interest debt, or invest in your future, refinancing could help you tap into that wealth.

✨ Future Homeowners: Ready to start building your own wealth? Homeownership isn’t just a goal—it’s a path to financial security, and we’re here to guide you every step of the way.

We're here and ready to chat about how we can help you make the most of your home equity—or take the first step toward owning a home! Shoot us a DM and we'll get you connected with one of our local mortgage experts.

01/13/2025

Are You Ready to Buy a Home? Let’s Find Out!

Thinking about buying a home but not sure if you’re ready? Here are some key factors to consider:
✔️ Your credit score 📈
✔️ Your current income and job stability 💼
✔️ Debt-to-income ratio 💳
✔️ Savings for a down payment 💰
✔️ Long-term goals and lifestyle preferences 🌟

The good news? You don't need to guess! We’ve made it simple for you with our easy-to-use Homebuyer Readiness Calculator. In just a few minutes, you’ll get instant insights into where you stand.

Click the link down in the comments to fill out the form and see if now’s the time to take the leap into homeownership!

No matter the results, our team of mortgage professionals is here to guide you every step of the way.

01/10/2025

The one and only Mike Hardwick summed up this review perfectly, "Guys, I thank you all for the excellent job you did with our customer!! This survey says a couple of things that make us all proud to work with you. Namely, this customer was a “referral” from another happy CMC customer! Second, they will 'recommend Churchill Mortgage to anyone and everyone who will listen!' Outstanding job guys!!!"

Thank you for the kind words, Mike. Thank you for the great review, Denise. Great job to Kevin & our whole team! 👏

01/09/2025

Our hearts are absolutely breaking seeing all the devastation and heartache happening in our state. Please join us in praying for safety, relief, peace, and healing. If you're able, there's several organizations taking donations to directly impact those in need including Red Cross, Salvation Army, World Central Kitchen, AirBnb, and more. ❤️

01/08/2025

Do I need perfect credit to buy a home? 🤔 Myth Busted! 💥

If you’ve been holding off on homeownership because you think your credit needs to be flawless, we’ve got good news for you! The truth is, you don’t need perfect credit to qualify for a mortgage and achieve your dream of owning a home. 🙌

Here’s the deal: While your credit score plays a role in the loan approval process, there are many loan programs designed for buyers with less-than-perfect credit. FHA loans, for example, may allow approval with credit scores as low as 580 (or even lower in some cases). Plus, VA loans and USDA loans offer incredible options for eligible buyers, often with flexible credit requirements. 💡

✅ Why you don’t need perfect credit:

→ Lenders evaluate your overall financial picture, not just your score.
→ Programs are designed to help first-time buyers and those with unique credit histories.
→ You can work on improving your credit while preparing to buy.

✨ Our team of mortgage experts knows how to navigate all these opportunities! We’ll not only find the perfect loan for your unique situation but also help you create a personalized plan to boost your credit if needed. 🌟

📩 Ready to get started or have questions? Let’s chat! Send us a DM or give us a call today. Your homeownership dreams are closer than you think! 🏡

01/06/2025

💰 What’s in Your Mortgage Payment? Let’s Break it Down! 💡

Your monthly mortgage payment is more than just paying down your home loan. Here's what it typically includes:

🏠 Principal: This is the amount you borrowed to buy your home. With each payment, you’re chipping away at this balance!
💸 Interest: This is the cost of borrowing money, paid to your lender. It’s calculated based on your loan’s interest rate.
📦 Taxes: Property taxes are often included in your mortgage payment and held in an escrow account. Your lender pays these to your local government on your behalf.
🛡️ Insurance: Homeowners insurance (and possibly mortgage insurance) is also held in escrow and paid by your lender when due. This coverage protects your home and gives lenders peace of mind.

Your lender collects taxes and insurance as part of your monthly payment to ensure these critical costs are paid on time—making homeownership a little less stressful for you!

Got questions about how it all works or need help planning your budget? Send us a message—we're here to help! 🏡✨

01/01/2025

🎉✨ Happy New Year! From everyone at Churchill, we wish you a 2025 filled with happiness, prosperity, and endless opportunities. Cheers to new beginnings and a bright year ahead! 🏡💫

12/31/2024

✨ Cheers to 2025!🥂 A toast to fresh beginnings, big goals, good health, and prosperous year ahead!

12/30/2024

Whatever your hopes, dreams, or goals are for 2025… believe in them and yourself.

“Whether you think you can or your can’t, you’re right.” Henry Ford.

Address

437 S. Cataract Avenue
San Dimas, CA
91773

Telephone

+19094803869

Website

https://www.churchillmortgage.com/loan-officers/mike-hardy-and-rick-mount-team

Alerts

Be the first to know and let us send you an email when The Mike & Rick Team - Home Loan Advisor NMLS 54483 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Mike & Rick Team - Home Loan Advisor NMLS 54483:

Shortcuts

Want your business to be the top-listed Finance Company in San Dimas?