Mauricio Martinez - NMLS: 2334323

03/16/2024

Fort Bragg 10k Whale Run ✅

02/02/2024

Avoid losing your chance at homeownership by just getting Pre qualified.

Consider getting 𝗣𝗿𝗲 𝗔𝗽𝗽𝗿𝗼𝘃𝗲𝗱 instead!

What is the difference? 🤔

👉 Getting 𝗣𝗿𝗲 𝗤𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱, is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A 𝗣𝗿𝗲 𝗔𝗽𝗽𝗿𝗼𝘃𝗮𝗹, however, means you’ve provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

I can provide either one, depending on your unique situation and where you are in the process. The best part? It is completely free and with no obligation 🏡😁
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09/13/2023

Thinking about buying a new home? 🏡

Don’t let misinformation cloud your decision-making process. It’s time to debunk a few common mortgage myths and give you the facts to help you make smart decisions!
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08/11/2023

Home Buying Made Simple! 🏡

This simplified checklist gives you a quick overview of the essentials steps involved in the home buying process.

Remember to seek professional advice and assistance to ensure a smooth & successful home purchase!
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08/10/2023

I'm excited to announce that l've joined Intention Financial Group! 🏡

I'm looking forward to continuing to serve my community. Whether you're looking to purchase a new home or refinance your existing one, our wide range of loan products ensures we have the perfect solution for you!

If you have any questions, please reach out I am always here to help!

06/07/2023

Date the Rate, Marry the house, Divorce the landlord 🏡

Should you wait to buy?

⏳ If you're hoping for rates to drop further, that's understandable.
But here's the catch: When rates do drop, expect more buyers to enter the market. This means buyers will face more competition, which often results in buyers paying above the asking price.

💡 Why not act now and gain an advantage? Buying your home today at a price point that is comfortable and refinancing when rates drop makes financial sense. The small cost of refinancing later will be far outweighed by the appreciation you'll receive.

🏠 Invest wisely. Buy now, refinance later, and watch your investment grow!
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04/27/2023

New Homebuyer Seminar 🏡

Join us for a New Homebuyer Seminar designed to educate and empower you on the journey to homeownership.

We will cover topics such as the home buying process, obtaining financing, and understanding the current market. You'll also have the opportunity to ask questions.

Don't miss this chance to gain the knowledge and confidence needed to make your dream of homeownership a reality. Register now!
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Join us for a New Homebuyer Event designed to educate and empower you on the journey to homeownership.

04/07/2023

What makes up your Credit Score 🏡

From payment history to credit utilization, find out what factors impact your score and how to take control of your financial future.

If you're interested in learning some useful tips and tricks to improve your credit score, send me a DM!
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03/17/2023

The DTI Cheat Sheet!

Your Debt-to-income ratio (DTI) is a measure of how well an individual can manage their monthly payments and debts.

DTI is calculated by taking all of the monthly debts that a person has to pay (such as credit card bills, car loans, and mortgages) and dividing that by their gross monthly income. The result is expressed as a percentage.

There are two types of Debt-to-income ratios that can be calculated:
The first is called the (Front-end ratio), which looks at how much of your income is going toward housing expenses like mortgage payments and mortgage insurance.

The second is called the (Back-end ratio), which looks at how much of your income is going toward other types of debt, such as credit card debt or car loans.

Your debt-to-income ratio is a key measure of your financial health and is a significant factor that lenders consider when you apply for a mortgage. Knowing how to calculate your DTI is a great way to figure out your mortgage payment budget!

03/10/2023

Curious about what goes into calculating your interest rate? 🏡

From credit scores to loan types, there’s more to your interest rate than meets the eye. Rates are not a one size fits all, here are some of the key factors that contribute to determining your interest rate!
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02/27/2023

Headlines do more to 𝙏𝙚𝙧𝙧𝙞𝙛𝙮 than 𝘾𝙡𝙖𝙧𝙞𝙛𝙮.

When people hear about a market crash, they recall the 2008 housing collapse. However, things are different in today’s market. Let’s take a look at some of the key differences.

Swipe to learn more!
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02/13/2023

What credit score gets you the best deal? 🏡

Swipe to learn more!