Heather Carroll Wilbur

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United States
Santa Cruz, CA
Heather Carroll Wilbur

Helping Real Estate Agents successfully close to get their clients in their dream home!

Senior Loan Advisor - NMLS ID: 247788 at CrossCountry Mortgage Company NMLS S3029. As a lending professional, I am dedicated to helping you with all of your home mortgage needs.

11/29/2022

Loan limit increases will be announced on November 30th. So what does this mean to you? This may allow qualifying opportunities for homes that previously were unattainable. Stay tuned!

Do you have additional questions or would like to speak to me? Give me a call so that I can help you.

11/24/2022

What’s not to love about a long Autumn weekend focused on gratitude? I’m always down for another slice of pumpkin pie or repeat viewing of the Macy’s Parade. 🦃

What’s your favorite part of Thanksgiving? 🥧 🍁

11/23/2022

If you are concerned with mortgage rates affecting the affordability of your dream home, you are not alone. With interest rates up from their historic lows, some tools are at our disposal to help you get into a new home. One of those tools is a Temporary Rate Buydown.

So, what is a Temporary Rate Buydown?

In a Temporary Buydown, the effective interest rate that a borrower pays during the first couple of years of their mortgage is reduced.

Have questions? 🤔

Call today and let me help YOU.

11/17/2022

Here’s your Thursday reminder that you can do hard things, like avoiding the refrigerator until lunchtime, even though the yogurt parfait is calling your name, or wearing any other type of pants besides your leggings. 😝 You’ve got this! Tag someone below who needs to hear this pick-me-up today!

11/15/2022

If you are concerned with mortgage rates affecting the affordability of your dream home, you are not alone. With interest rates up from their historic lows, some tools are at our disposal to help you get into a new home. One of those tools is a Temporary Rate Buydown.

So, what is the main benefit of a buydown?

Affordability is at the forefront of a buydown scenario. It allows a borrower to have more funds for renovations, furniture, or other upgrades in the first couple of years of a new home purchase.

Have questions? 🤔

Call me today, and let me help YOU.

11/11/2022

We are eternally grateful to all of those men and women who have fought and served for our country. Wishing you and your family a happy, safe, and peaceful Veterans Day! 🇺🇸

11/08/2022

After two years of price increases and bidding wars, the tides have started to shift in favor of the buyer. We are now seeing regular price reductions, free amenities, and upgrades from builders and sellers, along with rate reductions and buydowns being paid for by sellers.

What does this mean for you? Lower monthly payments. Additional cash at closing. Lower interest rates. More homes to choose from. More added amenities at the time of closing.

Have questions? 🤔

Call me today, and let me help YOU.

11/03/2022

might be higher than you would like, but the interest rate on renting is 100%! 🤔

Wondering if you could qualify for a ? Give me a call and find out.

10/31/2022

🧙‍♀️ Witch's House Rules:

(1) No 🧹 riding inside the house.
(2) If you open a portal, 🕳️ please close it.
(3) All 🧪 making must be supervised.
(4) The only spirits allowed are the ones in bottles. 👻
(5) Guests may NOT be turned into 🐸 ...(Please play nice).

Wishing you all a happy and safe . 🎃

10/29/2022

If you are concerned with mortgage rates affecting the affordability of your dream home, you are not alone. With interest rates up from their historic lows, some tools are at our disposal to help you get into a new home. One of those tools is a Temporary Rate Buydown.

So, how does a temporary buydown work?

In a 2-1 buydown, the interest rate on a mortgage is reduced by 2% in the first year and 1% in the second year. Starting in the third year, the borrower begins making payments at the full rate of interest on the mortgage.

Have questions? 🤔

Call me and let me help YOU.

10/21/2022

Are you following me on all platforms? And am I following you? Comment below if I should be following you. 😊

Get mortgage tips and the latest news on the housing market by following me on , , and .

10/18/2022

Unpopular truth: You’ll never be able to stop life’s waves from coming at you. It can be difficult, but the secret, friend, is to move with the waves, go with the flow, and make peace with the storm. I promise, in the end, we’re all okay. Tag a friend below who could use some encouragement!

Address

133 Mission Street, Suite 210
Santa Cruz, CA
95060

Telephone

+18312342345

Website

https://app.crosscountrymortgage.com/#/milestones?referrerId=heather.wilbur%40myccmortgage.com&app_source=EmailSig

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