Loans by Gary Saggu

10/27/2024

When it comes to buying a home, you'll need to budget for costs beyond your mortgage payment. Visit My Home for a full breakdown of the one-time costs you'll pay after your offer is accepted. https://bit.ly/4hm82PO

10/27/2024

Real estate agents: How does a transparent process, same-day closings and no waiting at the closing table sound to you? Let's work together to give your homebuyers the no-hassle, no drama experience they deserve!

10/26/2024

Just like tossing out the old and bringing in the new, refinancing can help you declutter your financial life. Ready to make the switch? DM me!

03/07/2024

02/07/2024

New loan program:

HomeReady has always provided both first-time and repeat homebuyers an affordable path to homeownership with low down payments and flexible financing options.

But now, in addition to a low, 3% down payment, HomeReady is now offering lower income homebuyers a $2,500 credit toward down payment and closing costs!

Contact me today to learn more about this program!

(317) 987-6837
[email protected]

01/13/2024

🗣️LOUDER FOR THE PEOPLE IN THE BACK🗣️ Self Employed ❓❓

Adding expenses to your qualifying income can hurt your income to qualify for a home.
Below are some homebuying self employed ways you can still qualify ⬇️

Where should you put your expenses on your taxes this year so you can still qualify to buy a home in 2024? 👏🏼👏🏼👏🏼

• 🤑 Depreciation- anything you depreciate through your business we can add back to your qualifying income. This can be a huge way to decrease your taxable income but still qualify for a regular mortgage.

• 🚗 Mileage- So many times, I see mileage not being used. Add your mileage up and put that on your taxes! We can add those back to your qualifying income up to $.67 cents per mile for 2024!!!

• 👀 Depletion- Any items depleted through the business can also be added back to qualifying income.

When you go to file your taxes this year, use these 3 catagories to lower your taxable income! This way you can give less to Uncle Sam and still buy a home! 🏡🏡🏡

-Gary Saggu

11/28/2023

Live in a rural area? Considering financing options for a new home?
The USDA loan program could be just the answer!

With benefits such as these👇 it's no wonder why this is a popular loan program.
➕ No Down Payment
➕ Flexible Credit Guidelines
➕ Lower Monthly PMI

I'd love to help you understand your options. Give me a call or send me a message, today! ☎️

11/27/2023

Purchase mortgage applications have been on the rise for three consecutive weeks, reaching a six-week high. And it's not just purchases seeing an increase, refinance applications are up too. Stay informed with our weekly updates. 💰

11/27/2023

If you, or anyone you know is looking to buy home, Shoot me a text or give me call!
317-987-6837

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