Ray Cela, NMLS #899576

03/31/2024

Happy Easter!!!

02/20/2024

Awesome Program for First-time Home Buyers, featuring a $7500 gift towards down payment and closing costs. Reach out to me with any questions!
Licensed in all 50 States
NMLS ID 899576

02/01/2024

https://www.facebook.com/share/p/ZdzX843R7nkqoDAg/?mibextid=WC7FNe

The Fed left policy rates unchanged again at their January meeting. Mortgage rates can move in anticipation of future Fed action, though, so you may be able to access lower rates before the Fed makes cuts. If you are ready to make a move now, there's no need to wait. We have programs that can work in the framework of today's market and prepare you for the future. Please let me know if I can help.

01/31/2024

The Fed left policy rates unchanged again at their January meeting. Mortgage rates can move in anticipation of future Fed action, though, so you may be able to access lower rates before the Fed makes cuts. If you are ready to make a move now, there's no need to wait. We have programs that can work in the framework of today's market and prepare you for the future. Please let me know if I can help.

12/25/2023

12/12/2023

Even if the weather outside is frightening, the housing market is inviting! Recent rate drops make homes more affordable, and less competition makes it a great time to negotiate a deal for buyers or sellers. Let me know if I can help you get started today!

10/31/2023

Happy Halloween! I hope yours is the spookiest, sweetest and most fun around. Have a safe and Happy Halloween.

09/26/2023

The Fed left policy rates unchanged at their September meeting. They will continue to monitor economic conditions to see if further adjustments are required to bring inflation to their 2% goal, and a majority of members expect another rate increase this year. If you are in need of home financing, we have programs that can work in the framework of today's market. Please let me know if I can help.

09/05/2023

Stop renting and start building equity. Our gift program for first-time makes purchasing more attainable by offering qualifying individuals 3% of the purchase price or up to $7,500 toward a down payment or closing costs with no obligation to repay. With lower out-of-pocket expenses and flexible qualifying criteria, this is an opportunity to move into your first home with a minimal down payment. Some program and area restrictions apply, so contact me to learn more or visit: https://bit.ly/3zcEvmk

09/05/2023

We offer crafted mortgage solutions with the self-employed borrower in mind. Since tax returns are not required, this could be a great option for credit-worthy self-employed borrowers purchasing or refinancing a home. Contact me today to learn more.

09/05/2023

Are you Team Renting or Team Owning? There's more to your choice than just the money. Here's a quick video to show the pros and cons of each. If you see a purchase in your future, even if it's down the road, please reach out. It's never too early to start preparing. You may even get into a home of your own sooner than you expect!

Which will you choose?