Jerry Scheel - Flat Branch Home Loans NMLS #187087

08/06/2026

Before you start house hunting, there's one number every homebuyer should know: your DTI ratio. 🏡

Your DTI (Debt-to-Income) ratio compares your monthly debt payments to your monthly income. It's used to help determine how much mortgage you may qualify for! 💡

Common debts included in DTI:
🚗 Car loans
🎓 Student loans
💳 Credit card payments

Wondering where your DTI stands? Check out our DTI calculator here: https://flatbranchhomeloans.com/resources/dti-calculator

08/04/2026

Wondering if now is the right time to buy? 🏡

✅ Buy now if:
Your income is stable
You have savings for upfront costs
You're ready to settle into a home

⏳ Wait if:
You're working on your credit
You're building your savings
A big life change is around the corner

The best time to buy is when you're financially ready, not when you're trying to time the market. Let's talk about your options! 📲

08/02/2026

5.0 star review received on Experience.com for Jerry Scheel by Jonathan W N - Jerry was nothing but a pleasure to work with . Very attentive to all my needs.

Click to see all 48 reviews of Jerry Scheel, Senior Mortgage Banker

07/30/2026

A confident homebuying journey starts with the right preparation. 💚

Here are a few ways to set yourself up for success:
✅ Get pre-approved before you start shopping
✅ Know your budget and monthly payment comfort level
✅ Avoid making major purchases during the loan process

Ready to take the next step? Let's connect! 📱

07/28/2026

Want to stand out in a competitive market? Being offer ready starts with getting pre-approved before you begin house hunting. 🏡

A pre-approval helps you:
💰 Understand your buying power
⚡ Move quickly when you find the right home
🤝 Show sellers you're a serious buyer

The reality is that homes can move fast. Having a pre-approval in hand can help you submit a stronger offer and avoid unnecessary delays.

Reach out today and let's get you offer ready!

07/23/2026

Not sure what you can afford? 🤔🏡

Here's what matters most:
💰 Income and monthly debts
📉 Credit score
🏦 Interest rates
💵 Down payment

Want a clear number? Let's talk through it together! ✅

07/21/2026

Lower your monthly payment without putting your home goals on hold! 🙌🏡

Small changes can make a big difference. Improving your credit score or increasing your down payment can help you secure a better rate, while exploring different loan programs or choosing a longer term can lower your monthly cost.

Let's talk through what makes the most sense for your situation!

07/16/2026

How long does it really take to close on a home? 🏡

Most home closings take 30 to 45 days, though some move faster depending on how quickly documents are submitted and the loan type. During that time, your loan goes through processing, appraisal, and final underwriting.

Before you know it, you'll be signing your final paperwork and getting the keys to your new home! 🔑

Have questions about your timeline? Reach out today! 💚

07/14/2026

Thinking about buying a home? Start with these first steps!

📊 Get pre-approved - Know your price range and show sellers you are serious
💰 Review your finances - Income, savings, and expenses all matter
🧾 Gather documents - Pay stubs, W2s, and bank statements help speed things up
🏠 Start house hunting - Shop with confidence once you know your numbers

Ready to take your first steps? Let's talk!

07/09/2026

Warm weather is the perfect time to take care of your home! ☀️🏡

Here's a few tips:
🌧️ Clean gutters and downspouts
🔍 Inspect roof and siding
💦 Power wash patios and driveways
🌳 Trim trees and refresh landscaping

Whether you're planning ahead or just staying on track, we're here to help!