Home Loans By Zach

08/02/2024

If you bought a house in the last year and have a rate in the mid to high 7's it's time to start chatting with ME about saving some money.

08/03/2022

https://vid.us/b3xsk5

Here's a new marketing email I made. Lets get some feedback. Don't be afraid to be critical!!

Cinq

07/07/2022

Avellana is 4 months old today! She loves sleeping in with Mom. She recently got to meet her Uncle Walmsley. She is loving standing up in her new bouncer. And although she prefers milk straight from the source; she is getting used to the ocassional bottle. She's progressing every single day and we are loving every minute.

06/13/2022

Buyers, since Thursday rates have climb up to .5%. If you haven't spoken to your lender yet. Get ahold of them asap.

Sellers, that offering you're reviewing, may no longer qualify.

I was able to do something I've never been able to do at any company before, and that not many companies do. I locked a rate over the weekend. It was huge. I saved my clients $3500 and 100/month.

Historically, its never a bad time to secure homeownership. The loan you secure the home with, however, will likely need to be modified in the future. Buy now and refi later.

The US govt has 23 trillion in debt. Rates are technically still historically low, but our debt is also historically high. So, their dent payments are getting far worse than ours, as tough as that is to imagine. Rising rates aren't compatible with this system. They can weather storms longer than we expect most times. They always have a little more punching power than we think, but the inevitable always comes to be. And I hope for mercy on those who don't know, but before they fall on the sword, they will turn it on us everytime. So long as we have a growth economy, the economy has to feed on anything and everything, even itself. It's rates or inflation. Got to be one.

It's always a good time to secure a home with the right plan and the right people helping you make your plan. Utilizing 60 day locks, weekend locks, and other strategies, but mostly following the mantra "lock it if you got it" I have navigated these rising rates for my clients with great precision. Each loan I've done the last 6 months has had worse rates than the one before, but everything I've closed has been locked at a better rate than market rates at close. Playing it safe in tough times is the smart choice.

01/07/2022

‼️HOME BUYERS and HOME OWNERS‼️

Fannie and Freddie have announced they will be adding their own rate increases to a couple of their popular products starting April 1st, this is not an april fools joke, as much as I wish it were. Interest rates were/are and will continue to be on the rise.

If you are thinking of buying a home in 2022 the market is working against you. You missed out on the best rates of all time, but you haven't missed out on historically low rates just yet. ACT NOW!

If you bought a house using a FHA loan in the last couple years and haven't refinanced. DO IT NOW!

Lastly, I cannot give financial advice but the Billionaires, CEOs, and other Elites are all selling massive amounts of their positions, and holding historic levels of cash. Warren Buffet is holding the largest liquid position in history. This should be an indication to us to be liquid. Money is historically cheap. If you do not have a nest egg, I seriously urge you to consider tapping into your equity.

If you have questions don't hesitate to reach out.

02/26/2021

As you might have heard, rates are have been trending up, if you're curious about how that affects your buying power, I have attached a chart that shows (principal and interest only)

02/26/2021

Are you curious about the Real Estate market in Pierce County? Or Anywhere for that matter? Realtors, Buyers, and Looky Loos I have tools that can give you the leg up in this ultra competitive market

08/08/2020

https://socialsurvey.me/pages/zachary-stover/5f2e80e4e4b0f5c25c234245?fbclid=IwAR2gJvDWNISTs4DTTCwU634Htc6Pg8TP8YChVim3q8dAngtK6_RfbJBhZMI

Click to see all 4 reviews of Zachary Stover, Loan Officer | NMLS # 1687707