Marty Bronfman, Mortgage Expert NMLS 69143

12/11/2024

Myth: You need a 20% down payment to buy a home.

Buster: While a 20% down payment can help you avoid private mortgage insurance (PMI), there are many loan programs available that require much less. Options like FHA loans, VA loans, and even some conventional loans allow for down payments as low as 3% to 5%. This makes homeownership more accessible than many people think!

11/28/2024

🦃 Happy Thanksgiving from our mortgage family to yours! 🏠

At this time of gratitude, we want to express our sincere thanks to all our clients who have trusted us with their homeownership dreams. Your faith in us has made this year truly special.

Whether you're gathering around your first home's dining table or dreaming of a future place to call your own, we're here to support your journey.

🍁 Today, we're grateful for:
• The families we've helped move into their dream homes
• The first-time homebuyers who took their big step with us
• Our amazing community that continues to grow
• The opportunity to serve you all

Wishing you and your loved ones a wonderful Thanksgiving filled with warmth, joy, and precious moments in the place you call home! 🏠✨

06/18/2024

🏡✨ Excited to share a new video where I dive into why I absolutely LOVE my career in the mortgage industry! 🎥💼

Helping families achieve their dreams of homeownership is incredibly rewarding. From the initial consultation to handing over the keys, every step is a journey we take together. 🗝️🏠 Seeing the smiles and joy on my clients' faces is what keeps me passionate and driven. 💖

Check out the video and learn more about why this industry is so close to my heart! ❤️📈

Join the web’s most supportive community of creators and get high-quality tools for hosting, sharing, and streaming videos in gorgeous HD and 4K with no ads.

08/21/2023

🏠📈🚀 ! 🏡💥

Did you know? The demand for new home purchases is soaring at an unprecedented rate – nearly DOUBLE the historical norm! 📈🏠✨ Get ready to ride the wave of success in the housing market. 🌊💰 🏡

🔥 Let's turn opportunities into achievements! 💪📊 🏘️🤝 Don't miss out on your chance to thrive in the world of real estate! 🌐💎

🏢🌟 Let's make dreams of home ownership come true together! 🏠❤️ 🗝️🌈

For more insights check out my book: https://amzn.to/425KNRW

💬DM me or 📞call 201.655.1571 for all of your mortgage needs!

07/18/2023

We will be elaborating on this topic further in tomorrow's video. Comment below on your thoughts or questions on why. 😊🎥🔍💭

07/11/2023

🌮🏠❤️😋

07/06/2023

📝🏠✅ 🚀✉️

📢 Hey there, future homeowners! Listen up! 🎯

⚡️💼📑 Do you want to unlock the secret to a lightning-fast mortgage approval process? 🗝️🏦

🔑✨ Here's the key: Submitting ALL your documents at once! 📂🚀

📅⏳ Time is of the essence, and the mortgage process can be quite a ride. 🎢 But fear not! 💪💨

💼📋📑 Imagine this: By gathering all your necessary documents upfront and submitting them in one go, you're turbo-charging your approval journey! ⚡️🚀

🔄⏭️ Skipping the back-and-forth game of document requests and revisions saves you precious time. ⏰✅

💪🏠 Plus, it shows your lender that you mean business! 💼📈 Demonstrating your organization and readiness helps build trust and confidence. 💯💼💪

📤📊💰 Faster approval means you can secure your dream home sooner! 🏡🎉💰

💡🗂️ So remember, folks: is all about bundling up your documents and sending them in one shot! 🚀📑

⚠️📝 Pro tip: Consult with your mortgage advisor to ensure you have all the necessary paperwork in order before making your submission. 📞👩‍💼

🌟✅ Let's make your homeownership dreams come true together! Start by submitting your documents all at once! 💪🏠🚀

🏠✨🔑📋💼

07/05/2023

🏠💰 Homebuyers Alert! 💡🔑

🌍🏠 🌍🔑

💼📈 "Real estate: the safest investment in the world. Purchased with common sense, paid for in full, and managed with reasonable care, it cannot be lost or stolen. It's about the safest investment you can make." 🔒💰

🏰🔑 Your dream home awaits! 🌟🔑

🏠💪 🏠💰

🤔💭 Invest wisely in real estate! 🏡💼 It's the safest bet for your future. 💰🔒

🏠💡 Owning a home is a tangible asset that offers security and peace of mind. 💎💼 With common sense as your guide, find the perfect home and pay for it in full to become a proud homeowner. 🔑🏡

🔑💼 Take charge of your financial future! 📈💰 Investing in real estate provides stability and growth potential. It's time to turn your homeownership dreams into reality! 🌟🔑

🔒💼 Remember, managing your new home with care is vital. 🏠💪 Create a haven for yourself, maintain your property, and watch it appreciate over time. 🔑🏡

🌅💰 Begin your journey to homeownership and secure your financial future. 🚀🏠 It's time to find your dream home and invest in a brighter tomorrow! 💼🔑

🔑🏠

06/29/2023

🏠💸 Understanding the cost of is crucial! It's more than just the down payment.💰🔑

Educate yourself🎓, be prepared, and tackle home buying like a pro!👊🏡💪🎯

06/27/2023

🏠🔎 Homebuying Process: The Power of Asking Questions! 💭🔍

Are you considering buying a new home? 🏡🤔 It's an exciting journey, but it's essential to ask the right questions to make an informed decision! 📝💡 Let's dive into why asking questions during the homebuying process is crucial!🌟📣

💸🔌 How much do the utilities cost?
Knowing the average monthly utility expenses helps you plan your budget better and avoid any surprises later on. 💰💡 Don't forget to inquire about energy-efficient features to save money in the long run! 💡🌿

💦🚧 Is the home in a flood zone?
Flooding can cause significant damage and inconvenience. ☔🌊 Ask about the property's flood zone status to ensure you're aware of any potential risks and can take appropriate precautions. Safety first! 🛡️❤️

🏘️🔐 Is the home in an HOA?
Some neighborhoods have Homeowners Associations (HOAs) that regulate certain aspects of living. It's important to understand their rules, fees, and restrictions before making your decision. Community vibes, here we come! 🤝🏡

🏠🔋 How old is the roof?
A well-maintained roof is crucial for a secure and cozy home. 🏠🛡️ Inquire about the roof's age to evaluate its condition and estimate any potential repair or replacement costs. Let's protect our castle! 🏰💪

🌳🌼 Where is the nearest park?
If you enjoy spending time outdoors, knowing the proximity of parks and green spaces is a must! 🌲🏞️ Check out the local recreational options and envision your leisurely strolls and picnics. Nature is calling! 🌿📞

🚰🔧 Have there been any plumbing issues?
Plumbing problems can be messy and expensive to fix. 💦🔧 Ask about the plumbing system's condition, previous issues, and any recent repairs to ensure you're not left dealing with unexpected leaks. Keep things flowing smoothly! 🚿🔝

🔌📆 How old are the appliances?
Up-to-date appliances can enhance your daily living experience and minimize future expenses. 📅⚡ Inquire about the age of appliances like the fridge, dishwasher, and HVAC system to gauge their lifespan and potential replacement needs. Embrace modern living! 📲🌟

Remember, asking questions is your superpower during the homebuying process! 🦸‍♀️🔎 By seeking the right information, you can make an informed decision and ensure your future home meets your needs and expectations. Good luck on your journey to finding your dream home! 🗝️🌈

Send a message to learn more

06/26/2023

📢💸📊 🧮🔎

Hey everyone! Ever wondered how lenders decide how much money you can borrow? 🤔 Let's dive into the world of debt-to-income ratio! 💼💰

📈 The debt-to-income ratio (DTI) is a vital factor used by lenders to assess your financial capabilities and repayment capacity. 🧮 It's like a key 🔑 that unlocks the door to your borrowing potential. So, let's break it down! 🚀

💼💵 DTI Ratio: Your debt-to-income ratio is simply a comparison between your total monthly debt payments and your monthly income. It helps lenders evaluate whether you can comfortably handle additional debt.

💪💰 Why does it matter? Well, lenders need to ensure that you can afford the payments for the loan amount you desire. 🏦📉 By understanding your DTI, they can gauge the risk associated with lending you a certain amount of money.

📊💸 The Calculation: To calculate your DTI ratio, divide your total monthly debt payments (such as credit card bills, loan installments, and mortgage payments) by your gross monthly income. Multiply the result by 100 to get a percentage.

📈🏠 Impact on Loan Amount: Your DTI ratio directly affects the loan amount you qualify for. If your ratio is too high, it may limit the loan amount lenders are willing to extend to you. On the other hand, a lower DTI ratio can increase your borrowing power! 💪💵

📣🔑 Take Control: If you're planning a big purchase, keep your DTI ratio in mind. Make sure to manage your debts wisely, maintain a steady income, and keep an eye on your financial health. Remember, a healthy DTI ratio opens doors to financial opportunities! 🚪💼

✅💡 Pro tip: Aim for a DTI ratio below 43%, as this is generally considered a healthy range for most lenders. However, different lenders may have their own specific requirements, so it's always wise to do your research! 🕵️‍♀️📚

🔓💰 So, friends, understanding your debt-to-income ratio is crucial when it comes to borrowing money. Keep your DTI ratio in check, and unlock a world of financial possibilities! 💪💸💼

06/16/2023

📈💰📉 Your income, credit history, and interest rate may undergo changes even after you receive your pre-approval letter, which could influence your approved amount. That's why a mortgage pre-approval typically has a lifespan of 60-90 days. ⏳✉️ Stay updated and prepared on your homebuying journey!

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