Janie Shrader, Mortgage Lender NMLS #39052

01/31/2025

09/24/2024

07/25/2024

Credit tip for the day:

What recurring payment, if you miss even just one, can hurt you and potentially cost you well over 100 points on your credit score as well as remain on your report for up to 7 years?

CREDIT CARD MINIMUM PAYMENT

One missed credit card payment (even if it’s just a $25 min, by even a few days) can potentially cause a 30 day late and drop you as much as 150 points... AND be on your credit report for up to 7 years.
Accordingly to the Fed, credit card delinquency increased from 3.08%(Q4 2023) to 3.16%(Q1 2024). With school starting in the next couple of months, and holidays around the corner, credit card usage is expected to increase.

Statistics from Uqual.com

02/15/2024

BUYING A HOME IN THIS MARKET?
In a time of uncertainty as to where and when rates are going, this is a great time to buy a home with a 30-year fixed rate pre-payable mortgage. This is a heads you win, tails you win, financial strategy. If you buy a house today with a fixed rate mortgage, you have capped the majority of your future housing costs for the rest of your life. This by itself will create significant future wealth for a homeowner, meaning future rising rents do not strip away your future income. If rates trend higher this year for any reason, you are nicely protected. If rates do go down, you can do a rate term refinance and lock in lower rates every time they drop. We are the only country in the world that allows a homebuyer to lock in a 30-year fixed rate and have 100% protection from higher interest rates for the rest of your life, and at the same time allow a person to get a lower rate every time rates drop. This is a powerful tool to create wealth for a homeowner, that you cannot use if you are sitting on the sidelines and renting a home.

Call me today to discuss your options, I'm here to help!

01/16/2024

Don't let that perfect home pass you by over interest rates, let me help with our Payment Advantage program. Call me for more information.

11/14/2023

Hey Family and Friends, I am now a Licensed Mortgage Originator in Idaho! I am ready and willing to help you or someone you know Purchase or refinance a home. I can also help with Home Equity loans, construction loans and Reverse Mortgage Loans.

Don't hesitate to give me a call, I'm happy to answer any questions!

09/22/2023

It looks comfortable and quiet. 😌