Jake Humbert, Mortgage Broker NMLS #1589045

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Jake Humbert, Mortgage Broker NMLS #1589045

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If you are looking to do a home loan (mortgage or refinance) in Texas or Colorado, then look no further! I've got great news...

I'm here to solve that for you.

I welcome the opportunity to work with you to get a low rate, no hassle mortgage. You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that's normally associated with it. It's easy to reach me - feel free to call me direct or if you prefer you can email me. Jacob Humbert, NMLS #1589045 and Edge Home Finance NMLS #891464, Equal Housing Opportunity Lender

06/05/2021

📉 A recent drop in rates (and increased equity from the rise in home prices) may mean this is 𝗔 𝗚𝗥𝗘𝗔𝗧 𝗧𝗜𝗠𝗘 𝗧𝗢 𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘! 💰 🏡

𝗪𝗵𝘆 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?
✅ to take cash out for home repairs/renovations
✅ to lower your monthly payment
✅ to take cash out for paying off credit card debt
✅ to get a lower interest rate

𝗪𝗵𝘆 𝗱𝗶𝘀𝗰𝘂𝘀𝘀 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲 (𝗶𝗻𝘀𝘁𝗲𝗮𝗱 𝗼𝗳 𝘀𝗮𝘆, 𝗮 𝗯𝗶𝗴 𝗯𝗮𝗻𝗸 𝗼𝗿 𝗼𝗻𝗹𝗶𝗻𝗲 𝗹𝗲𝗻𝗱𝗲𝗿?)
👉 I take the time to understand what you'd like to achieve by refinancing
👉 I can help you get a low rate, often with much lower closing costs than other lenders
👉 I can help take the hassle out of the conversation, showing you what to look out for and what you want to do to get a great deal

𝗪𝗵𝗮𝘁 𝗱𝗼 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗲𝘅𝘁?
Simply contact me and we can schedule some time for a free, no obligation conversation. If you choose to move forward with a refinance I can help you. If you decide it's not the right move that's fine too, at least you'll know you didn't miss an opportunity.

I'm here to help if you want to learn more.

03/05/2021

🗓️ 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟬𝟯, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Average mortgage rates ended the week largely unchanged, maintaining some of the lowest rates seen in months. Concerns about last week's Fed meeting proved unfounded, as the Fed committed to maintaining efforts to support the economic recovery.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Rates this week are not likely to move up or down much, but we could see some small day-to-day movements in rebate pricing (the credit you get towards closing costs from your lender, or the fee you pay to get a lower rate, often called 'points'). There is not a lot of risk right now in seeing rates creep up if you are house hunting, and it is a great time to talk with your trusted mortgage professional if you're considering refinancing.

🏡 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed stimulus: Last week the Fed committed to maintaining the current pace of bond buying for the foreseeable future, which is helping to keep mortgage rates low.
- Economic data: Although there is quite a bit of economic data scheduled for release this week, there is not much market moving data to be concerned about. However, Friday's jobs data could have an affect on rates near the end of the week.

28/04/2021

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!
𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

What is the difference? 🤔

👉 Getting prequalified is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A preapproval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂?

𝗚𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗰𝗮𝗹𝗹 𝗼𝗿 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁, 𝗮𝗻𝗱 𝗜'𝗹𝗹 𝗯𝗲 𝗵𝗮𝗽𝗽𝘆 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗱𝗲𝗰𝗶𝗱𝗲. 👍
I can provide either one, depending on your unique situation and where you are in the house hunting process.

The best part? The conversation is absolutely free, and there's no obligation. 🏡 😁

26/04/2021

🗓️ 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟮𝟲, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Average mortgage rates improved once again last week, despite a much higher likelihood that we were going to see rates worsen. There wasn't any particular reason for the rate improvement, it was more an effect of market trends.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Rates this week will be influenced by the Fed and some economic data, and are likely to end the week near the same levels we start at. The recent string of rate improvement makes it a great time to talk with your mortgage professional about refinancing or purchasing a home.

🏡 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low.
- Economic data: Lots of housing data this week, but that data won't affect rates. Inflation data later in the week could have some effect though.
- Fed meeting: Wednesday the Fed will release a policy statement from this month's meeting. Although the Fed won't raise policy rates, investors will be looking for signals for upcoming reductions to asset purchases which have been keeping rates low. We could see some volatility if investors find any Fed comments that cause concern.

19/04/2021

🗓️ 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟭𝟵, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Average mortgage rates improved slightly last week, after rate markets improved despite data showing inflation was rising. The increase to inflation was expected though, and fell within the range that markets have already priced in when rates rose a few weeks ago.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Rates tend to move in cycles, and we're likely to see some pullback this week that would see slightly worse rates on average after improving steadily the last few weeks. There isn't any economic data this week that will affect rates though, and market sentiment is still positive, so even if we do see rates worsen it shouldn't be much. In fact, there is a much smaller chance that we could see rates slightly improve this week, but the current technical indicators make that much less likely.

🏡 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low.
- Bond technicals: Lenders set mortgage rates based on the pricing of mortgage bonds, and we could see bonds lose some ground this week pushing rates slightly higher.
- Market sentiment: Investors are comfortable investing in bonds at these yields, helping keep rates low.

14/04/2021

"𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝘁𝗵𝗲 𝗔𝗣𝗥 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲?" 🤔

👉 Answer: One of the most confusing aspects of a mortgage is trying to compare interest rates and APRs. Here is a simple explanation to make it easy for you to get a low rate mortgage without the hassle.

The interest rate is only the interest that you will pay on the mortgage. Mortgage interest rates are often quoted in .125% increments.

The APR is a calculation designed to more easily compare mortgage offers. It includes the interest rate above, PLUS other fees and costs such as: lender fees, origination fees, discount points, and some closing costs. Some banks and lenders will change what they call certain fees to avoid having to include them in the APR calculation, making it even harder to compare. An APR is required anytime a bank or lender advertises an interest rate, to help get a more accurate comparison. The interest rate and the APR should never be exactly the same unless there are no fees on the loan.

🏡 𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗴𝗲𝘁 𝗮 𝗹𝗼𝘄 𝗿𝗮𝘁𝗲 𝗮𝗻𝗱 𝘁𝗮𝗸𝗲 𝘁𝗵𝗲 𝗵𝗮𝘀𝘀𝗹𝗲 𝗼𝘂𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗰𝗲𝘀𝘀, 𝗜 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽. A quick and easy conversation can help make sense of it all, and I can show you how to make sure you're getting a good mortgage offer.

Getting a mortgage doesn't have to be a hassle. Let me make it easy.

12/04/2021

🗓️ 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟭𝟮, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Average mortgage rates improved slightly last week, continuing to rebound after rising for seven weeks from February into March.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗲𝗶𝘁𝗵𝗲𝗿 𝘄𝗮𝘆 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸 ⚠️
Average mortgage rates this week are hard to forecast and could go in either direction. There is a possibility that rates could improve slightly, depending on how investors react to this week's economic data and talk of inflation. However, if we see a negative reaction to any of the data, we could see rates lose a little bit of ground this week. Rates should remain steady though in the mid-term, meaning we shouldn't see any large rate increases and rates could get slightly better by the end of April.

🏡 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low.
- Economic data: There is a full calendar of data this week, including inflation data on Tuesday and retail sales data on Thursday that could have an effect on rates and possibly cause some day-to-day volatility.
- Bond pricing: Lenders set mortgage rates based on the pricing of mortgage bonds, and we could see bonds lose some ground this week, pushing rates slightly higher.

08/04/2021

𝗪𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲 𝗼𝗿 𝘁𝗼 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲, 𝘁𝗵𝗲𝘀𝗲 𝗮𝗿𝗲 𝟰 𝘁𝗵𝗶𝗻𝗴𝘀 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗡𝗢𝗧 𝗱𝗼...

✅ 𝗠𝗮𝗸𝗲 𝗮𝗻𝘆 𝗹𝗮𝗿𝗴𝗲 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀 𝗹𝗶𝗸𝗲 𝗮 𝗻𝗲𝘄 𝗰𝗮𝗿 🚗 𝗼𝗿 𝗳𝘂𝗿𝗻𝗶𝘁𝘂𝗿𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗻𝗲𝘄 𝗵𝗼𝗺𝗲 🏡
Even if you don't have to pay any interest or make any payments for awhile, new purchases come with new debt that will have to be factored in and can affect qualifying for your loan.

✅ 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗰𝗮𝘀𝗵 𝗶𝗻𝘁𝗼 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 💰
All money into and out of your accounts has be be accounted for during the mortgage process, even if not being used for the mortgage or a down payment. Talk with me about how to document unexpected or large deposits, especially cash deposits.

✅ 𝗤𝘂𝗶𝘁 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗷𝗼𝗯𝘀. 👋
Now isn't the time to make a move, even for a better opportunity... at least not without talking to me first about how it can impact your loan.

✅ 𝗢𝗽𝗲𝗻 (𝗼𝗿 𝗲𝘃𝗲𝗻 𝗰𝗹𝗼𝘀𝗲) 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 ⚠️
Don't take that new store card to save 10% on your purchase, don't pay off old debts or collections, and don't close or pay off any other accounts. Some of these actions can have unexpected consequences to your credit score, so be sure to talk with me first.

𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿, 𝗜'𝗺 𝗮𝗹𝘄𝗮𝘆𝘀 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽. If any of these situations comes up and you're thinking of buying or refinancing soon, be sure to reach out to me for guidance.

Address

Opening Hours

Monday	08:00 - 20:00
Tuesday	08:00 - 20:00
Wednesday	08:00 - 20:00
Thursday	08:00 - 20:00
Friday	08:00 - 20:00
Saturday	10:00 - 18:00
Sunday	10:00 - 18:00

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https://www.edgehomefinance.com/jhumbert/

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