The Ross Group, Inc.

10/15/2022

Bán lỗ giày da nam DA BÒ đẳng cấp , giảm tới 65% chỉ còn ,Đặc biệt mua 2 đôi chỉ có ,MIỄN SHIP CHO TẤT CẢ ĐƠN HÀNG
Đền ngay 2 triệu nếu phát hiện hàng giả da
Giày đc làm từ da bò đế cao su khâu đế
Bảo hành 2 năm
Nhận hàng kiểm tra đi thử ưng ý mới thanh toán
0827.995.999

10/15/2022

09/13/2022

Self Employed and "gig economy" borrowers can use their bank statements, as income, to qualify for a mortgage to buy a primary residence or an investment home.

Let's discuss your situation.

NMLS #391121 #234036

09/08/2022

This may not be sound marital advice, yet it should be considered when looking to buy a home with current high interest rates.

07/30/2022

From different loan types to different lender guidelines, figuring out all the options for your purchase or refinance takes a lot of legwork. Let us do it for you! Reach out today to get started.

Let's review your situation, message us to set a time best for YOU!

NMLS #391121

07/28/2022

Should you give up that 2.5% fixed rate mortgage for a higher rate cash out loan, or perhaps get a line of credit to pay off debt, or to create your own Airbnb ? Maybe, here’s some of my thoughts….

NMLS #391121 Todd Ross

05/01/2022

Preparation is the best defense and a great place to be for when opportunity presents itself, here’s my suggestions on what to do, today;

1. Inflation proof your housing, buy a home to fix that large monthly cost, rents will continue to 🧗‍♀️
2. Control your variable expenses 🍔🥗☕️🍿🏝🛳
3. Pay off debt or refinance to lower rates and then payoff quickly 🚗💳🏦
4. Secure your employment, maximize income opportunities with a side hustle
5. Save your 💰 (this is for those with less than 12 months living expenses saved) all others, diversify as the market fluctuates

Sure, there’s many ways to handle inflation and recessions, maybe my suggestions are to 🍦for you, ok, but at least have the above 5 handled before you get to 🏝(closest emoji to exotic that I could find 🤪)

Have Mortgage questions, I’m here for you, all others, happy to help in any way I can.

03/14/2022

Should you buy a home with a high-interest rate?

Yes, no, it depends!

Only you can make this decision, even if your Aunt Sally, Realtor Tom, or lender Todd thinks it is best, read on to see which is right for you:

Yes, buy a home with a higher interest rate if you can… if you have a responsible down payment, can manage the payments with the higher interest cost, and your income source(s) are not under imminent threat. You will most likely be paying a premium on the house price due to limited housing supplies and still large demand. Yet securing your housing costs with a fixed-rate loan and beginning the amortization, wealth creation will benefit you down the road.

No, do not buy a home if you are straddled with monthly debt you are struggling to pay, if you hardly have enough for the down payment, and your employment is questionable. Hold off until you are on a more solid footing. True, your rent money is not helping you build wealth, but there is nothing worse than ultimately losing your home because you can not sustain the monthly costs, (this coming from my first-hand experience). Don't fret, l can help you get a plan to make your home buying dream a reality.

It depends, let’s discuss this one a little further. Perhaps you are renting now, or have outgrown your current home, and a new home is just outside your current reach. There are a couple of reasons you should consider buying now. Higher interest rates will reduce some of the qualified buyers and give some sellers the jitters to sell quickly, yet home prices are expected to continue on the upward trajectory due to the high demand of home buyers and the limited supply.

If the new home is in the location you want, meets your needs and the only thing affecting your decision is the interest rate, remember you can most likely refinance the mortgage later, to lower your payment and the interest paid.

Most important, this is your decision, and you alone will need to decide if now is the time or not.

I am here to help whatever path you are on.

nmls # 391121 #234036