Steven Insuasti Mortgage Broker

Steven Insuasti Mortgage Broker My main goal is to help every American get a fair deal on a mortgage.

🏡🎉 Just closed on a loan that came with some unique challenges, but we made it to the finish line right on time! Huge th...
10/25/2024

🏡🎉 Just closed on a loan that came with some unique challenges, but we made it to the finish line right on time! Huge thanks to both the buyer’s agent Gus Fonseca and listing agent Juno for their incredible dedication—working late nights, navigating a language barrier, and even overcoming a hurricane! It’s all about teamwork and commitment to make homeownership dreams come true. Congratulations to the new homeowners! 🌪️🏠🥂

🏡🎉 Just closed a loan for a first-time homebuyer who’s been on an incredible journey! Six months ago, he wasn’t quite re...
10/25/2024

🏡🎉 Just closed a loan for a first-time homebuyer who’s been on an incredible journey! Six months ago, he wasn’t quite ready to qualify, but with some determination and a plan to improve his credit and income, today we finally made it to the finish line.

Huge shoutout to cobia and hayes for being a rockstar throughout the entire process—working late nights and going above and beyond to support the client. This kind of teamwork and dedication is what makes these moments so rewarding. Congratulations to the new homeowner! 🥂🏠

With rising inflation, it can be more difficult than ever to meet those mortgage payments on time. And unfortunately, th...
10/04/2024

With rising inflation, it can be more difficult than ever to meet those mortgage payments on time.

And unfortunately, the bank won't accept an IOU…

So that's why we here at [insert custom variable] are committed to providing the mortgage assistance you need to keep the ball rolling, and move forward with owning the house of your dreams.

Unsure about mortgage assistance? Interested in learning more about the finer details? Leave us a comment down below and we’ll be happy to shed some light on all the ways that we can help you :)

FRM’s vs. ARM’s?No, it's not a wrestling match you can catch on pay-per-view. It's the difference between Fixed-rate mor...
10/03/2024

FRM’s vs. ARM’s?

No, it's not a wrestling match you can catch on pay-per-view.

It's the difference between Fixed-rate mortgages and Adjustable-rate mortgages.

Alright then… So what's the difference?

A fixed-rate mortgage is set in place and cannot change over the whole life of a loan. When you consider that most loans are split into 15 or 30 year plans, that's a pretty big commitment!

An adjustable-rate mortgage can have its interest rate go up or down during specific adjustment periods.

Maybe you get in at the right time, lock in the FRM right before inflation drives the rates up… or maybe you are getting a mortgage in a time of economic struggle, and you like the idea of the rate getting better over time.

The choice is yours… Choose wisely!

Incoming – a hot mortgage tip to save you big in the long run!Try making payments every two weeks instead of once per mo...
09/30/2024

Incoming – a hot mortgage tip to save you big in the long run!

Try making payments every two weeks instead of once per month.

So a normal 30-year loan will come with 360 payments – 12 per year. But check this out:

If you take your monthly payment, divide it in half, and pay that amount bi-weekly, you will end up making the equivalent of one extra monthly payment each year, while saving big on interest over the long run!

For example, a 30-year, $200,000 mortgage at 4% will translate to about $11,460 a year. With a biweekly payment schedule, you’ll be paying $12,400 per year. Yes, it's a bit more. But here's why it's a good idea…

Over the lifetime of the loan, you would save $23,000 in interest – holy mortgage, Batman!

I can think of a couple things I would do with an extra $23,000…

So give it a shot!

We all get by with a little help from our friends :)That's why we are here for you when you need a bit of extra cash to ...
09/27/2024

We all get by with a little help from our friends :)

That's why we are here for you when you need a bit of extra cash to make your dreams come true.

The last time you took out a loan, what was it for, and was it worth it?

We proudly offer mortgage assistance to those who need it most. We love that we can make a difference within our beloved...
09/25/2024

We proudly offer mortgage assistance to those who need it most.

We love that we can make a difference within our beloved community, and the loving feedback we receive continues to fuel our passion and put a smile on our faces!

To every one of our clients, we thank you from the bottom of our hearts ❤️

Closing costs? You’ve gotta be kidding me…So you've been paying your mortgage for years and years, and finally the end i...
09/23/2024

Closing costs? You’ve gotta be kidding me…

So you've been paying your mortgage for years and years, and finally the end is in sight.

Then BOOM! It hits you – you’re reminded that you need to pay closing costs as you finish up your loan.

What a bummer.

Here’s what may be taken into account when the closing costs are being decided:

-A survey fee paid to verify property boundaries
-A flood certification fee to ensure the property is not in a flood zone
-The title search fee to check the history of the property, ensuring there are no legal claims on it
-Attorney costs associated with closing the loan
-Recording and transfer costs—a fee paid for recording the purchase of your home
-Loan preparation fees, being a percentage of the overall loan amount
-Escrow accounts, including private mortgage insurance (PMI), homeowner’s insurance, and property taxes

A lot goes into buying a house, so make sure you do your research and prepare yourself – with enough planning, you too can own the home of your dreams!

Don’t let the banks hide their secrets!
09/20/2024

Don’t let the banks hide their secrets!

Everybody has that one thing that they wish they could buy, but can’t afford… If you could be instantly approved for a 0...
09/18/2024

Everybody has that one thing that they wish they could buy, but can’t afford…

If you could be instantly approved for a 0% interest loan, what would you use it for?

Looking to borrow some cash to make that life changing purchase? Could be a car, a pizza oven, a workspace, a fancy tool...
09/16/2024

Looking to borrow some cash to make that life changing purchase?

Could be a car, a pizza oven, a workspace, a fancy toolkit, or even a house…

Before you go rushing into the lenders office pen in hand, have a look at these tips for responsible borrowing:

-Spend time looking at your options, researching what offers are available and getting advice. Perhaps you need the loan quickly and you feel like there is no time – but the wrong decision can have you paying for years in the future.
-Always find out the total amount you will have to repay when borrowing. A shorter repayment period may beat a slightly lower Annual Percentage Rate (APR) amount.
-Know the difference between secured and unsecured loans. With a secured loan you can lose your home if you don't consistently make payments
-Make a budget to ensure you will be able to afford making payments
-Watch out for interest free deals. They seem great, but are only interest free if you pay them off within a certain time period. If you don't pay them off in time, the interest rate goes through the roof!

It's a dog eat dog world out there, so avoid the loan sharks and come out to see us. We will give you the assistance you need, without the shady hidden fees :)

Address

167 Dunlap Loop
Statesville, NC
28625

Telephone

+17723614323

Website

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