Adam Cooper Central Bank Mortgage Loan Officer nmls# 1963175

04/01/2024

🏠 Hey there, current and future homeowners! Let's chat about something super important: APR (Annual Percentage Rate) for mortgage loans. It's not just about the interest rate – there's more to it!

🔍 So, here's the deal: Many folks overlook APR when comparing loans, which can lead to some serious surprises later on. But fear not, because understanding APR is your secret weapon! It gives you the full picture of what you'll actually be paying back.

💡 Picture this: You find a loan with a super low-interest rate, but then BAM! You realize the fees are through the roof. That's where APR comes in handy. It combines both the interest rate and fees, so you know exactly what you're getting into.

🚀 The best part? By comparing APRs from different lenders, you can find the sweet spot – the loan that gives you the most bang for your buck.

🔍 Plus, considering APR helps you avoid any sneaky surprises with fees down the road. Trust me, your future self will thank you for it!

🏠 So, let's make sure you're not just focusing on that flashy interest rate. Dive into APR, understand your options, and get ready to rock your home buying journey! 🚀🔑

03/27/2024

🏡 Ready to find your perfect neighborhood? Here's why it's crucial to choose wisely:

🔍 Problem: Without thorough research, buyers risk ending up in the wrong neighborhood, leading to discontentment and limited community engagement.

💡 Solutions:

1. Define your priorities
2. Research extensively
3. Work with a local realtor
4. Visit multiple times
5. Consider future needs

Take the time to explore and discover the neighborhood that feels like home sweet home! 🌳🏠

03/26/2024

🏠 Dreaming of owning your first home? Don't let budgeting woes hold you back! Here's how to tackle the financial hurdles of home buying:

💡 Problem: Budgeting can overwhelm first-time buyers, leading to financial strain, foreclosure risks, and limited housing options.

🔍 Solutions:

1. Create a Comprehensive Budget
2. Consult with a Financial Advisor
3. Research and Plan Ahead
4. Save for a Down Payment/learn about down payment assistance
5. Get Pre-Approved for a Mortgage
6. Consult with Real Estate Professional

Empower yourself with financial savvy and pave the way to your dream home!
🏡💰

03/25/2024

There is a lot of news right now around realtors and specifically buyer representation. Here are a few good reasons why you MUST have buyer representation. If you are considering homeownership this year, feel free to reach out to get prequalified and connected to the best realtors Sioux Falls has to offer!

02/02/2024

Unfortunately rates jumped back up today…. HOWEVER!!!!! We are keeping are promo at 5.99% for 30 year fixed mortgage! Conventional financing up to 95%. If your shopping or didn’t get locked in yesterday, give me a call!

01/30/2023

Where is your mortgage serviced? We service ALL of our mortgages right here in Sioux Falls!

01/23/2023

For any item, big or small, it takes ACTION to “move the needle forward”. Do you dream of “one day” accomplishing your goals, or is today “DAY ONE” of the journey?

09/27/2022

Secondary market mortgage rates hit 20 year highs yesterday! give me a call to see how I can save you hundreds per month with Central Bank in house mortgage products!

02/03/2022

Stop by and say hi at the upcoming home show! February 25-27th! I have some advanced tickets available on a first come, first serve basis!

If your interested in new construction, definitely stop out and see Ashton Larsen with 360 builders!

01/19/2022

Rates are going up and going up quick!!!

01/11/2022

Homebot is a monthly financial dashboard that enables you to maximize the wealth from the single largest asset you will ever own.

01/11/2022

With how quickly homes have been appreciating over the past 2 years, it's a good idea to get an idea of what your home is worth today!

Homebot is a monthly financial dashboard that enables you to maximize the wealth from the single largest asset you will ever own.