Austin Lawrence-MLO

Austin Lawrence-MLO Mountain Biking Mortgage Loan Advisor and Financial Educator-Austin! Guiding you toward good feelings and empowerment when buying your first home!

I will help you to build your wealth and protect it.

07/28/2026

Do Not Kill Your Loan!!
Helpful Tips to avoid, during the loan process.

AVOID:
* Changing job, becoming self-employed or quitting your job.
* Acquiring more debt, like cars, boats, furniture, etc.
* Using your credit card excessively.
* Allowing accounts to fall behind.
* Spending the money you have for closing costs.
* Changing bank accounts or making large or unusual deposits into your account.
* Agreeing to co-sign or become a coborrower with any new loans.

It is important that you maintain a steady credit history during the loan process;
lenders will check you credit account at least two times (beginning and end) during your loan process.

Questions:
Contact me @ [email protected]

💰HOMEOWNERS: Wipe Out Credit Card DebtHELOC / HELOAN1 -crush credit cards>> HOME OWNERS: Use your equity to crush high-i...
07/27/2026

💰HOMEOWNERS: Wipe Out Credit Card Debt

HELOC / HELOAN
1 -crush credit cards
>> HOME OWNERS: Use your equity to crush high-interest credit cards and save hundreds (even thousands) per month with a cash out refinance.

Book your free 15-minute property review on the next page to see your savings in real time.

>> HOME OWNERS: Use your equity to crush high-interest credit cards and save hundreds (even thousands) per month with a cash out refinance. Book your free 15-minute property review on the next page to see your savings in real time.

2 Flexible Spending Power
🏡 Californians🏡 Are you a homeowner looking to turn your home's equity into flexible spending power? What if I told you that accessing this financial resource could be as simple and quick as ordering your favorite coffee?

Click email below and put "Get Quote" in subject window to see what rates are available ✅

Introducing our revolutionary Home Equity Line of Credit (HELOC) application process. It's designed with you in mind - fast, straightforward, and hassle-free.

Austin Lawrence
[email protected]
NMLS #: 225079
Empire Home Loans is an Equal Housing Lender

07/21/2026

19. What should I look out for during the FINAL WALK-THROUGH?

* Examine every corner of the empty house
* Check floor to ceiling (use walk-through checklist).
* Be sure the seller fixed any problems promised.
* Make sure everything is just as you expect before closing.
* Remember, after you sign all the paper-work, it's all yours, "Home-Owner!"

When in doubt, ask Austin to check it out!
For more information Contact:
Austin (NMLS # 225079) [email protected]


07/20/2026

20. What can I expect to happen on CLOSING DAY?

* Provide evidence of Home Owner's Insurance (Active Policy) and Two Forms of ID.
* Bring a Cashiers Check or Wire the balance to Title; You will get an exact amount prior to signing.
* Come to closing on-time and be ready to sign a lot of documents.
* Depending on recording laws, get your keys and start your new journey, "Home-Owner!"

When in doubt, ask Austin to check it out!
For more information Contact:
Austin (NMLS # 225079) [email protected]


07/19/2026

18. What responsibilities do I have during the loan process?

The key to remember is to keep your financial circumstances steady during the loan process!

If you are not sure, ask Austin, and I can tell you how it may affect your loan.
For more information Contact:
Austin (NMLS # 225079) [email protected]


07/18/2026

17. What happens when I apply for a loan?

* The lender will verify all the information on your loan application.
* The lender orders and appraisal to verify the value of the property.
* Title work is ordered which reviews and clears any title issues.
* Once all this information is collected by the lender, they submit your file to underwriting for loan approval.
* Once your loan is approved, your closing is scheduled

For more information Contact:
Austin (NMLS # 225079) [email protected]


07/17/2026

16. What is an Escrow Account?

An Escrow Account is established by the lender on behalf of the borrower so that property taxes and homeowner's insurance can be paid when those bills are due.

For more Information contact Austin (NMLS # 225079):
[email protected]

07/17/2026

15. What are CLOSING COSTS?

They include a variety of expenses above the purchase price of your property,
such as fees for the lender, title company, taxes and some upfront housing expenses,
such as homeowners insurance and an appraisal.

* All mortgage loans have closing costs.
* Lenders are required to give you a detailed estimate of these fees.
* Closing costs can be paid by the buyer, seller, or a combination of both.
* Closing costs can also be "Gifted" by a relative or can be paid for by a credit from the lender.

For more information Contact:
Austin (NMLS # 225079)
[email protected]

Correction: Fees/ Costs cannot go up after you receive the Loan Estimate; They can go lower.

07/17/2026

14. What is Mortgage Insurance?

* Protects the lender, if you fail to pay your mortgage.
* Is usually required, if you put less than 20% down.
* There are many options to fit your needs.

For more information Contact:
Austin (NMLS # 225079) [email protected]


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San Francisco, CA

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