TrustyLenders

TrustyLenders Theoni Rapo / Mortgage Banker

05/29/2024

The Loft Podcast with and .loft
Lisa Miriam, CEO of Trusty Lenders
Starting out in the vast world of social media can feel like navigating a labyrinth—where do you begin? 🌐 On this podcast episode, we dive into the overwhelming sea of information that greets newcomers. Unlike the few select books at a library, the internet is a torrent of endless data. How much of it is credible? And with AI now in the mix, discerning real from fabricated becomes even trickier.

Join us as we explore how to cut through the noise and find your path in the digital landscape. Don't miss the full episode of this insightful podcast on our YouTube channel. Subscribe for more engaging conversations with influential people of Delaware. Here's the link to the full video: https://youtu.be/89wr-xFNVkc?si=9G1lznPewC4-88Qp

We'd also love for you to share your thoughts in the comments below.

And of course all my presentations, even to the youth, is on brand with not ur daddy’s lender style 💅🏻 Lisa Miriam, CEO ...
05/25/2024

And of course all my presentations, even to the youth, is on brand with not ur daddy’s lender style 💅🏻 Lisa Miriam, CEO of Trusty Lenders

05/21/2024

Listing agents, you need to hear about this 👇

But first, if you just want my cute little fact sheet on this program, comment “rate relief” and I’ll send it over to you 🕺

This works for any seller, whether they have a mortgage or their house is totally paid off:

👉 seller goes into an agreement with Lisa Miriam loan service (company that’s offering this) to lock in an interest rate for their potential buyer

👉 the rate is locked in for 60 days, it’s a permanent buy down, so the rate is usually lower than any other rate in the market right now

👉 then you can advertise the monthly payment + interest rate that the next buyer will actually be able to get (if they work with me as their lender since we locked in that rate 😉)

👉 this beats giving out “seller credit” because people want to see affordability, and what better way than to secure a low rate for them?

👉 now your sellers have a greater pool of buyers who can afford that list price without needing to do a “price improvement” to capture those buyers!

So many agents add this in their listing presentation! Even if you’re in a competitive market, would it be so bad to get even more eligible buyers putting in offers for your sellers to look through? 👀

05/14/2024

Just saying….. don’t not buy a house because you don’t have the 20% down 🤡

05/12/2024

I already know what some people will say:

“Idc about service I just need the lower rate”

“Who cares about loyalty if someone is going to give me a better rate”

“Sorry but it’s just business, service and quality don’t matter when all lenders do the same thing”

And I’m not saying all those statements are totallllly wrong, but if you were to shop around for the lowest rate - you will find it.

You just need to know you’re also sacrificing some things that come along with that “low rate”

And also- rates don’t matter until you go under contract since you can’t lock em in until then anyway!

Have questions? DM me 🕺

05/10/2024

Ah, the silver bullet of home loans. 🏆

Comment CASH to get my free guide on this program sent in your DM’s! 💬

Let’s break it down:

WHO QUALIFIES FOR THIS LOAN?
👉🏼Anyone who’s been approved with a conventional or VA loan (shoutout to those who have served or are serving 🇺🇸🫡)

DOES THIS LOAN HAVE A HIGHER INTEREST RATE?
👉🏼 Nope, they’re the same as conventional or VA loan rates!

WHATS THE CATCH?
👉🏼 No catch, however you do need to have anywhere between 2-4% of the sales price (depending on where you’re located, my guide has a matrix on the upfront fee!) of a deposit that’s 100% refundable once we close.

SO HOW DOES IT WORK?
👉🏼 You fill out a pre-approval application
👉🏼 I send your loan to my bomb team of underwriters
👉🏼 It takes 48-72 hours to review and get approved by underwriting
👉🏼 Then it gets sent to our Cash2Keys team
👉🏼 Your realtor, me, and you will hop on a call with our Cash2keys team and make sure everyone is on the same page with the program

AFTER APPROVAL:
👉🏼 You can submit essentially a cash offer for the next property that you love!
👉🏼 Waive your finance contingency since you’re already approved!
👉🏼 That upfront cash offer fee deposit is NOT due until we go under contract for a house! 🏡

As the spring / summer markets get here, we’re only going to see more competition.

So let’s position your next offer to have a seat at the table because that cute little pre approval letter with a finance contingency from 🚀 mortgage isn’t going to work 😉

05/10/2024

I’m all for informed consumers…

And that’s all this NAR settlement did!

All in all, I don’t think anything is really going to change in realtor commissions.

When you’re buying or selling such a large investment like real estate, you want to make sure you’re working with the best.

And a good agent (and lender 😉) is priceless.

P.S - none of this is going into effect until July. So we’ll see what happens between now and then 👀

Congratulations ! Congratulations !! Congratulations !!! Another my client payment confirmation🥳😀A Big Congratulations🎉 ...
05/10/2024

Congratulations ! Congratulations !! Congratulations !!! Another my client payment confirmation🥳😀
A Big Congratulations🎉 to you, More successful Achievements Ahead. it is a great pleasure that I am a part of this Success, No Joy like seeing my clients winning and Happy!
Been Nice Working with you, I am glad to be a part of this, thank you for giving me the opportunity to prove myself.
DM To Get Your loan 💸 ☺️

05/09/2024

ITS A TERRIBLE TIME TO BUY 👇🏼

….. unless you’re looking for a deal. Which happens when rates get to this level. 🤯

Don’t buy a house right now unless you want:

👉🏼 sellers to cover some closing costs / negotiate pricing

👉🏼 use the 1-0 buydown so you can get a lower monthly payment for the first year while you wait for rates to drop

👉🏼 get to negotiate terms since you won’t be up against a million other people that can afford that house if rates dip under 7 again

With how crazy real estate is getting, one thing is certain about it - it is an appreciating asset.

So if you CAN buy but you’re hesitant because you’re not working with the best lender to discuss your options, head to my link in bio to schedule a consult or just DM me 😉 Lisa Miriam loan service

05/09/2024

But in all seriousness…. 👇🏼

I really couldn’t help anyway at that point😅

When shopping for a lender, most people think it’s the interest rate that’s the most important.

But really, it’s trust.

How much do you trust that person who is helping you take out a seriously large loan, to get to closing without any surprises or extra costs at the very end of the transaction?

That’s why I’m all about underpromising and overdelivering 🕺

I’m constantly overestimating so if there ARE any surprises, they’re good ones that make the costs lower!

Make sure you follow for more mortgage tips Lisa Miriam loan service

05/09/2024

Have you ever wondered about why you couldn’t get approved for a mortgage that’s the same as your rent?

Here’s why 😉

Hello everyone, please follow my new page. My old page was hacked with 100k followers. Like and share my page, let's get...
05/09/2024

Hello everyone, please follow my new page. My old page was hacked with 100k followers. Like and share my page, let's get to 100k followers again!🙏🤍🕊️

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