The Von Hoven Mortgage Team, 1400 Buford Highway SteJ3, Sugar Hill, GA (2026)

08/16/2023

✨THE VON HOVEN MORTGAGE TEAM’S WEDNESDAY WISDOM✨

Looking for a mortgage can be a bit like looking for a needle in a haystack🧐But, one myth you can toss out of that haystack is the idea that you should always go for the lowest interest rate.

🔸While a low interest rate is certainly attractive, it’s not the only factor to consider when choosing a mortgage.
🔸Other factors like loan term, closing costs, and lender fees can also impact the overall cost of your mortgage.🧮

So, don’t let that low interest rate blind you like the sun on a hot summer day. 😎Take a step back, do your research, and make sure you’re choosing the best mortgage for your financial situation. Your wallet will thank you later.🏡🔑💰

Want to explore your options?? Give us a call today!☎️ We’ll walk you through the mortgage process from Loan Consultation to Closing!🫶

Chad VonHoven & Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

08/09/2023

The Von Hoven Mortgage Team wants you to have the best homebuying experience possible! By choosing us as your lender, we’ll walk you through the mortgage process from Loan Consultation to Closing. You’ll receive the best mortgage advise, consistent communication, and unbeatable rates. Now who doesn’t want that?!?

Chad VonHoven & Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

08/07/2023

✨THE VON HOVEN MORTGAGE TEAM’S MONDAY MORTGAGE MINUTE✨

Buckle up, first-time homebuyers! We’ve got a Quick Guide to get you ready for your dream home! 🏠🔑

Here are 4 tips to get you started:

🔸 Budget like a boss: Know your spending limits and stick to them!
🔸 Get pre-approved, not just pre-qualified: Show those sellers you’re the real deal!
🔸 Location, location, location: Find the perfect neighborhood for you and your family.
🔸 Don’t be shy, ask questions: Keep communication open with your mortgage lender ( Hello 👋 ) and your real estate agent.

Ready, Set, Home Sweet Home! 🏡💕

Chad VonHoven & Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

07/27/2023

✨THANKFUL THURSDAY✨

Helping a buyer turn their dream home into an actual address is always a joy that’s beyond words for me. ❤️❤️❤️
To each of my clients – I raise a toast to new beginnings in your happy homes, and to every adventure life rolls out your welcome mat to!
Remember, your new set of house keys is not just a metal piece, but a key to new stories, laughter, and memories. As your mortgage lender, I’m thrilled to have been part of this journey! 🫶
Cheers!!🍾🥂🏡🔑🎉

Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
NMLS 1869842
Office: 770-923-6570
Cell: 770-777-4938
[email protected]
❤️

07/25/2023

Ah, the age-old question: is my credit good enough to buy a home? Well, my friend, the answer is…it depends!

Your credit score is just one piece of the puzzle when it comes to buying a home, but it’s an important one. So, let’s dive into some key factors that lenders consider when determining whether you’re a good candidate for a home loan.

☑️ Credit score: Generally, a credit score of 620 or higher is considered “good” when it comes to buying a home.

☑️ Debt-to-income ratio: Lenders will also look at your debt-to-income ratio, which is the amount of debt you have compared to your income. A lower ratio is generally more favorable to lenders.

☑️ Employment history: Lenders want to see that you have a stable employment history, as this can indicate that you’ll be able to make your mortgage payments on time.

☑️ Down payment: While a good credit score is important, a larger down payment can also help offset any potential credit issues.

So…While your credit score is important, it’s just one piece of the puzzle. if you’re not quite there yet, don’t worry! Work on improving your debt-to-income ratio and maintaining stable employment, and you’ll be well on your way to achieving your dream of homeownership. 🏡💰💪

Ready to start your journey of homeownership? Give us a call and we’ll walk you through the mortgage process from Loan Consultation to Closing!🏡🔑🫶

Chad VonHoven
Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🏡🛩️ ❤️

07/10/2023

Ready to start your journey as a homebuyer? Then listen up, because we’ve got a tip that can make all the difference: Maintain your credit!

Your credit score plays a big role in your ability to obtain a mortgage. So, let’s dive into some key points on how to keep your credit in tip-top shape.

🗝 Keep your credit card balances low: Try to keep your credit card balances at or below 30% of your credit limit. This can help improve your credit score and make you more attractive to lenders.
🗝 Pay your bills on time: Late payments can have a negative impact on your credit score, so be sure to pay your bills on time every month.
🗝 Check your credit report: Regularly checking your credit report can help you catch errors or discrepancies that could be negatively affecting your credit score.
🗝 Avoid new credit inquiries: Opening new lines of credit or taking out new loans can temporarily lower your credit score, so try to avoid new credit inquiries when possible.
So, let’s make this home buying journey a success by taking care of that credit! Give us a call and we’ll walk you through the mortgage process from Loan Consultation to Closing!🏡🔑❤️

Chad VonHoven
Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

06/20/2023

✨THE VON HOVEN MORTGAGE TEAM’S TUESDAY TIP✨

“By failing to plan, you are planning to fail” ~ Benjamin Franklin

Understanding the fees associated with home buying allows for you to enter into one of the biggest transactions of your life fully prepared. Closing costs are broken down into fees that are paid outside of closing as well as fees that are paid at the closing table. If you’re wanting to become a homeowner but don’t know where to start…give us a call! 📲 We’ll make sure you are fully prepared and will walk you through the mortgage process from Loan Consultation to Closing!🏡🔑🎉❤️

Chad VonHoven
Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

06/15/2023

✨THE VON HOVEN MORTGAGE TEAM’S THURSDAY THOUGHTS✨

Ever wondered why real estate agents want you to have a pre-approval before looking at homes?🤔 It’s because they want you to avoid house heartbreak.💔 If you find that perfect home but aren’t pre-approved, chances are that seller won’t consider your offer. It’s risky for them to move forward with a buyer without secure financing. On top of that, a pre-approval has super important information for you as a buyer. You need a pre-approval to know how much of a mortgage you can afford…

That’s where we come in!💪🏼 As your trusted mortgage advisors, we’re happy to explain not just the “what’s” but the “whys” as well. Give us a call 📲 and we’ll walk you through the entire process…from the early stages of pre-approval ~ all the way to the closing table! We can have you pre-approved in less than an hour and ready to start looking for the home of your dreams!🏡🔑🍾🥂

Chad VonHoven
Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

06/12/2023

✨THE VON HOVEN MORTGAGE TEAM’S MONDAY MORTGAGE MINUTE✨

Let’s set the record straight by debunking yet another Home-Buying Myth once and for all.💪💪

⛔ Myth: If you owe a lot of student loan debt, there is no way you can get a mortgage.
✔️Reality: Having a lot of student loan debt doesn’t automatically disqualify you from getting a mortgage. The key factor is not necessarily the size of your loan, but the amount of your total monthly debt payments compared to your monthly income. This is called DTI. 🧑‍🎓
The bottom line? Strategy! 📈📈 Explore your home financing options early with a personal team of experts on your side. Give us a call and we’ll walk you through the mortgage process from Loan Consultation to Closing!🏡🔑❤️

Chad VonHoven
Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]
🛩️🏡 ❤️

06/08/2023

✨THE VON HOVEN MORTGAGE TEAM’S THURSDAY THOUGHTS✨

There seems to be a lot of water cooler chatter about rates and the current market…and while you may feel that today’s rates seem high in relation to what we saw during the pandemic, do you know what your interest rate is if you’re renting?🤔 100%...yes, 100%!! Well we can help you change that!!

If you’re interested in becoming a homeowner, give us a call! ☎️ We’ll walk you through the mortgage process, from Loan Consultation to Closing!🏡🔑🎉❤️

Chad VonHoven
Karen Von Hoven
The Von Hoven Mortgage Team
Real Estate Financial Services
Licensed in GA, FL, & SC
Office: 770-923-6570
NMLS 220413 |1869842
[email protected]

The Von Hoven Mortgage Team

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