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Andrew Langley Gershman Mortgage

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United States
Springfield, MO
Andrew Langley Gershman Mortgage

Andrew Langley NMLS #1584527
Gershman Mortgage NMLS #138063
Equal Housing Lender
Office: 417-888-0320

Born and raised in southwest, Missouri, Andrew is an extremely knowledgeable and well-connected Loan Officer with Gershman Mortgage! Andrew's exceptional people skills allow him to be able to communicate effectively with each client he comes into contact with, in addition to other parties involved in a home purchase. Over the past seven years as a Loan Officer, Andrew has helped his clients achiev

e their personal, financial goals of homeownership. Specializing in assisting first time homebuyers is Andrew's favorite part about being a Loan Officer- he believes everyone should be able to enjoy the experience of being a homeowner.

02/26/2024

Credit seems to be a double edged sword - the bottom line is a healthier score can be your golden ticket to better mortgage rates and even cheaper homeowner's insurance! Here are some out of the box tips to help boost your score:

1️⃣ Become an Authorized User: Attach your credit profile to a trusted family member’s credit card account to benefit from their positive history.

2️⃣ Negotiate with Creditors: Settle any old debts or dispute inaccuracies to clean up your credit report.

3️⃣ Rapid Rescoring: Consult your lender about this fast-track method to update your credit score within days, not months.

4️⃣ Credit Limit Increase: A higher limit can improve your credit utilization ratio, but only if you maintain low balances.

Follow these tips and get closer to locking in that ideal mortgage rate!

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

02/19/2024

Let's say you already own a home and you're looking to get into real estate investing. I get questions a lot about what's available as far as financing goes, here's some different mortgage options to consider:

🔸 Look Beyond Traditional Mortgages: Investment properties open doors to different loan types. Let’s explore which one aligns with your investment goals!

🔸 Consider Interest-Only Loans: They offer lower initial payments, giving you more cash flow for renovations or other investments.

🔸 Check Out Government-Backed Loans: Some programs are investor-friendly and can offer great terms. We’ll find out if you qualify!

🔸 Think About Loan Terms: Shorter terms might have higher payments but less overall interest. It’s all about what works for your strategy.

🔸 Leverage Equity: Already own property? Using your equity can be a smart way to finance additional investments.

Investment properties can be a game-changer. If you're ready to take the leap and want more information, reach out and let's come up with a plan!

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

02/12/2024

In a world full of mortgage myths, I'm here to help you understand what truly affects you and what you can ignore. Distinguishing between pre-qualification and pre-approval will help you better understand the first step in the mortgage process.

- Pre-Qualification: Your first step – A casual chat about finances, giving an initial idea of what you could borrow.

- Pre-Approval: The deep dive into your finances, where we assess your credit, income, and more for a concrete loan offer.

Understand these key steps to navigate the home buying process. Reach out to me if you're in need of an approval or want to chat about any questions you have!

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

02/05/2024

Thinking about refinancing your home? Let's navigate this process together - here are some things to keep in mind!

✅ Understanding Rates: It’s not just about finding a lower rate, but understanding how it impacts your long-term financial goals.

✅ Timing is Key: The right time to refinance can save you more than you think. Let’s work together to find that sweet spot.

✅ Rewards Beyond Savings: Refinancing isn’t just about saving money. It’s about reshaping your financial future. At the end of the day it may not be a benefit to you!

✅ Tailored Options: One size doesn’t fit all. We’ll explore options that align with your unique needs.

Ready to dive deeper into refinancing? Comment "refi" below and let's take some time to chat about your situation.

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

01/27/2024

As we get close to the end of the first month of 2024, I have the last homebuying tip for you!

Stay educated about the market and how to buy a home in general. I'm not saying you need to go out and become a licensed realtor or loan officer, but understanding the basics of what it will take to buy a home and what the process looks like will make it that much easier when the time comes for you to buy!

I would recommend partnering with a local realtor and lender as soon as you think you're ready to buy - together you'll research neighborhoods, market trends, and the long-term implications of homeownership.

Knowledge is power, and understanding the ins and outs of buying a home will help you make informed decisions when the time comes.

Reach out to me for any more tips on how to become a homeowner in 2024 - I'm happy to help!

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

01/22/2024

New year, new home? Let's talk strategy on how to make it happen!

My second 2024 homebuying tip is to save up for down payment and closing costs. As you know, you don't need 20% down to buy a home!

There are a lot of programs that offer down payments as low as 0%, and FHA loans go as low as 3.5%. Example: on a $200,000 home, a 3.5% down payment would be $7k. My point being, you're likely going to have to come up with some cash to buy a home, so it's best to start early if a new home is your goal! Going back to that same example, if you saved roughly $584 a month, you'll have the $7k down payment in a year. Similarly, closing costs are based on the purchase price, but can be a couple thousand dollars on top of the down payment, so keep that in mind. In certain markets, buyers have negotiated withe sellers to get closing costs paid - it just depends on each specific scenario.

So, make sure you're being dedicated and disciplined to saving money if buying a home is your goal! Stay tuned for the last tip next week.

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

01/15/2024

The new year is here and I know a lot of you have been waiting for the perfect opportunity to buy a new home. If you're still waiting on the fence, I want to go over a few things over the next few weeks that can help you prepare to buy when the time is right, and hopefully you'll be able to secure that low interest rate!

My first tip is to improve your credit score. I can't stress this enough! A higher credit score can help qualify you for better mortgage rates and terms (GOALS!!!). To help improve your score, be sure to pay down debts, make all payments on time, and check your credit report for errors. Small improvements can lead to significant savings over the life of a mortgage.

Stay tuned for my next tip next week!

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

01/08/2024

These days, there are many home additions that can substantially increase the value of your home - who doesn't want that?!

If you had $50,000 to spend, would you renovate your kitchens or bathrooms in your home?

I would choose to spend the money on our kitchen! Let me know what you choose in the comments!

12/31/2023

As 2023 comes to a close, I like to reflect on the journey and cherish every step taken with my clients and referral partners. Here's to a 2024 filled with new adventures and milestones together! 🛤️

12/25/2023

May your holidays be merry and your new year bright, especially in the comfort of your dream home. 🌟🏠

Andrew Langley | Loan Officer
M: 417-209-0082 | W: alangley.gershman.com

Address

1557 E. Primrose Street Suite 100
Springfield, MO
65804

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+14172090082

Website

https://www.gershman.com/loan-officers/andrew-langley/

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