Joe Strub Mortgage Advisor nmls709703

Joe Strub Mortgage Advisor nmls709703 Joe Strub is a Mortgage Loan Advisor at CharterWest Bank Mortgage Center.

Your closing date can affect how much cash you need at closing. Close earlier in the month?You’ll usually pay more prepa...
06/06/2026

Your closing date can affect how much cash you need at closing.

Close earlier in the month?
You’ll usually pay more prepaid interest upfront.

Close later in the month?
You may need less cash upfront because there are fewer days left in the month to cover.

That doesn’t mean one option is always better.
Seller timing, moving plans, lender deadlines, and month-end delays all matter too.

The big takeaway?
Don’t pick a closing date just because it sounds good.

Ask how it affects your cash to close. A few days can make a bigger difference than most buyers realize.

You don’t have to live in the middle of nowhere to qualify for this 👀 USDA loans offer $0 down and lower monthly costs, ...
06/02/2026

You don’t have to live in the middle of nowhere to qualify for this 👀

USDA loans offer $0 down and lower monthly costs, and a lot of areas just outside city limits still qualify.

It’s one of the most overlooked options out there.

Think you might be in an eligible area? Let’s chat!

If you’ve served, this is one of the best loan options out there. $0 down.No monthly mortgage insurance.And often better...
05/29/2026

If you’ve served, this is one of the best loan options out there.

$0 down.
No monthly mortgage insurance.
And often better rates.

It’s a benefit that’s earned—and a lot of people don’t realize just how strong it is.

Want to see how it works for you? I am just a phone call away!

Sign up for property fraud alerts to stay informed of any activity tied to your property. If your county isn’t listed, y...
05/25/2026

Sign up for property fraud alerts to stay informed of any activity tied to your property. If your county isn’t listed, you can nominate it. A simple way to stay proactive and help protect yourself from property fraud.

Start here: https://vist.ly/55eb8

Today we honor and remember the brave men and women who gave their lives in service to our country.This Memorial Day, we...
05/25/2026

Today we honor and remember the brave men and women who gave their lives in service to our country.

This Memorial Day, we pause to reflect on their sacrifice and express our gratitude for the freedoms we enjoy because of them. 🇺🇸

Lower credit? Smaller down payment?This is where FHA shines. With as little as 3.5% down and more flexible guidelines, t...
05/21/2026

Lower credit? Smaller down payment?
This is where FHA shines.

With as little as 3.5% down and more flexible guidelines, this loan helps a lot of buyers get in sooner than they thought possible.

It’s not perfect for everyone… but for the right person, it’s a game changer.

Curious if it fits your situation? Reach out to chat!

05/18/2026

VA Loans series: Part 4

Save on monthly costs!

🎓 Big congratulations to all the graduates—and the parents who helped make it happen 👏This is a huge milestone and the s...
05/17/2026

🎓 Big congratulations to all the graduates—and the parents who helped make it happen 👏
This is a huge milestone and the start of a brand new chapter.
One thing that doesn’t get talked about enough: graduation is also the start of building your financial future. If owning a home is a goal someday, what happens next matters.
A few smart moves now can help future homeowner you later:
🏡 Start building credit early
💳 Be mindful of debt, especially large car payments
💰 Save consistently, even small amounts
📊 Keep job history steady
👀 Learn budgeting and how credit works
Parents—this is a great time to guide, not just give.
Graduates—you don’t need it all figured out today. Just start smart and stay consistent.
That future version of you holding the keys to your first home will be glad you did. 🔑🏡

Online mortgage calculators be like…“Congrats! Your payment is $1,850!” Reality:“…plus taxes, insurance, possibly PMI (P...
05/13/2026

Online mortgage calculators be like…
“Congrats! Your payment is $1,850!”
Reality:
“…plus taxes, insurance, possibly PMI (Private Mortgage Insurance), and your actual rate”
They’re great for a quick guess—but they don’t know your:
💳 Credit
💼 Income
📊 Debt
🏡 Loan type
👥 Full situation
So the number you see? It’s usually… optimistic
Want real numbers based on your real life?
That’s where I come in.
No guessing. No surprises. Just a clear plan. 🏡

05/11/2026

VA Loans series: Part 3

What does zero down mean?

Address

103 Virginia Street , STE 200
Sioux City, IA
51101

Telephone

+17122535475

Website

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