Love 'N Real Estate

06/27/2024

It's that time of the year. Need to sell your home? Or are you looking for your dream home? Let me help make your dreams come true!

05/01/2024

So excited for my client on the purchase of her new home in a lovely community in South Augusta! This , goes where you go! 😉

04/19/2024

My client had to quickly relocated for work. It was a pleasure helping another client's dreams come true!

03/27/2024

🚨Home buying season has begun. If you’re thinking about buying a home, Spring can be a great time to purchase because it allows for a closing date in late spring or early summer, aligning with the optimal moving period for families. !🏡 If you are ready to buy, pick up the phone and call me or send me a DM! I would love to help make your home buying dreams come true!
☎️(404) 454-1179
[email protected]

12/22/2023

Happy Holidays!🌲❄️☃️🎁

12/21/2023

12/18/2023

‘Tis the season of home buying! If you’re seriously thinking about buying a home, December can be a great month to purchase!🏡Prices are statically a little lower and with fewer buyers in the market, now can be a GREAT time to negotiate!You may be able to take advantage of year-end tax benefits and you might actually close sooner! If you’re interested in buying a home, pick up the phonenand callbme or send me a DM! I would love to help make your home buying dreams come true!
☎️404-454-1179
[email protected]

home

12/17/2023

Check out these rates! I'm just a ☎️ call away!

09/09/2023

Check out these rates!

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.

07/04/2023

Just what the Dr. Ordered: Know Your Loans🩺

When it comes to securing a home loan, your credit score plays a crucial role. Lenders use credit scores to assess your creditworthiness and determine the interest rate and terms of your loan. Your EXPERIAN score is most favored by lenders so keep a close eye out on this one. Here is some information on credit score requirements for various types of home loans:

1️⃣ CONVENTIONAL LOANS: These loans are not backed by any government agency and typically have stricter credit score requirements. A minimum credit score of 620 is generally necessary to qualify for a conventional loan. However, a higher credit score can help you secure more favorable terms and lower interest rates.

2️⃣ FHA LOANS: Backed by the Federal Housing Administration, FHA loans are popular among first-time homebuyers due to their more relaxed requirements. You may be eligible for an FHA loan with a credit score as low as 500, but a minimum score of 580 is typically required to qualify for a 3.5% down payment. Keep in mind that a lower credit score may result in a higher interest rate.

3️⃣ VA LOANS: Designed for active-duty military personnel, veterans, and eligible surviving spouses, VA loans offer attractive benefits, including no down payment and competitive interest rates. While the Department of Veterans Affairs does not set a minimum credit score requirement, most lenders prefer a score of 620 or higher to approve a VA loan.

4️⃣ USDA LOANS: Aimed at rural and suburban homebuyers, USDA loans provide 100% financing and low-interest rates. To qualify, you'll typically need a minimum credit score of 640. However, some lenders may consider lower scores on a case-by-case basis if you have compensating factors, such as a stable income or a solid payment history.

Remember, credit scores are just one aspect lenders consider when evaluating your loan application. Other factors, such as your income, debt-to-income ratio, and employment history, also play a significant role. It's always a good idea to consult with a trusted mortgage professional who can guide you through the loan process and help determine the best loan option based on your unique situation.

If you want more information or if you are ready to get the process started and find your dream home, send me a message or Call me! I'm here to help!
☎️404-454-1179
-- The Dream Keeper!