Peprah The Loan Officer

Peprah The Loan Officer NMLS #2416101
👨‍🏫Personalized Mortgage Solutions
💯Trusted Mortgage Advisor
📈Equal Housing Lender My name is Peprah and I am passionate about helping people.

I just happen to be a mortgage loan originator helping homebuyers qualify for mortgages.

Closing day is always a good day! Even better when friends trust you with family!
03/10/2023

Closing day is always a good day! Even better when friends trust you with family!

Congrats to the 40 under 40 award recipients!
02/24/2023

Congrats to the 40 under 40 award recipients!

Excited to Join the Des Moines Rotary Club and make a difference in the community!
01/13/2023

Excited to Join the Des Moines Rotary Club and make a difference in the community!

01/12/2023

New data from Fannie Mae shows that while homebuyers' sentiment has slightly improved in December, it's still below pre-pandemic levels. However, there's a silver lining - consumer confidence in decreasing mortgage rates and home prices has also risen. Despite this, high home prices and unfavorable mortgage rates remain a concern for many.

I want to remind you that this market presents a unique opportunity for you to do proper due diligence before buying a home. Traditional buying practices like property inspections, accurate appraisals and sellers paying closing costs are now common again. This means you have the chance to make well-informed decisions and secure your dream home with confidence. Take advantage of these standard industry practices and make your move in the real estate market.

01/11/2023

Are you looking to buy a new home? According to a recent report from Redfin, home sellers are becoming more willing to offer concessions to buyers. In Q4 2022, a record 41.9% of home sellers gave concessions, like money for repairs and mortgage rate reductions, to buyers. This is the highest increase seen in any three-month period since Redfin started tracking this data in July 2020. Additionally, more homeowners are selling their homes below the asking price. So, it's a good time for homebuyers to take advantage of this trend and negotiate for concessions that can help reduce the overall cost of buying a home. With current mortgage rates and inflation, concessions are becoming more popular among homebuyers and sellers.

01/10/2023

Thinking about buying a home? There are a few things to consider when it comes to mortgage rates. These rates can be affected by the demand for mortgage-backed securities, the supply of mortgage-backed securities, and the overall level of risk in the financial markets. Understanding these factors can help you make informed decisions about your mortgage and take the first steps towards homeownership.

01/09/2023

"Have you ever considered transferring your mortgage to a buyer? It's called "assumption of mortgage" and it's possible with the right lender approval and requirements. Don't forget to review your mortgage terms and chat with your lender before making any moves. "

01/07/2023

There's something unusual about mortgage rates declining yesterday when reports that wage growth slowed. On one hand, you're excited about a rate relief for homebuyers. On the other, its less buying power for consumers which impacts the economy. It is possible that the Fed is hoping for a job recession in order to adjust their course of action, but it is important to find ways to improve the situation for consumers and stimulate economic growth.

One tradeoff that homeowners and homebuyers may face when it comes to mortgage rates is the choice between higher and lo...
01/06/2023

One tradeoff that homeowners and homebuyers may face when it comes to mortgage rates is the choice between higher and lower rates.

On one hand, higher mortgage rates could make it more expensive for borrowers to finance a home, which could be a disadvantage for those who are on a tight budget or who are looking to stretch their money as far as possible. Higher mortgage rates may also be accompanied by a stronger economy, which could lead to increased home values and potentially higher returns on investment for homeowners.

On the other hand, lower mortgage rates could make it more affordable for borrowers to finance a home, which could be an advantage for those who are looking to save money on their monthly mortgage payments. However, lower mortgage rates may also be accompanied by weaker economic conditions, which could be a risk for homeowners and homebuyers in the long term. Additionally, lower mortgage rates may be accompanied by higher demand for homes, which could make it more difficult for buyers to find the types of homes they are looking for or to negotiate a favorable purchase price.

Ultimately, homeowners and homebuyers must carefully consider the pros and cons of both higher and lower mortgage rates and decide which option is the best fit for their financial situation and long-term goals.

In your mind which is riskier?

Merry Christmas to you all!
12/25/2022

Merry Christmas to you all!

Address

5000 Westown Parkway, Suite 420
West Des Moines, IA
50266

Telephone

+15159929680

Website

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