Anesha Wright, Mortgage Loan Originator, NMLS# 2508826

08/14/2025

🔥 3 Homes Under $170K – Price Cuts Just Announced! 🔥
These homes have recent price drops and will NOT last long. All have estimated mortgage payments between $1,200–$1,300/month (with taxes & insurance) at only 6.125%.

If you can check these off…
✅ Credit score 580+
✅ Consistent work history
✅ Serious about buying?

Let's work! I’m ready to help you every step of the way 😊

📍 2144 Reedale Ave – $165,000 | 1,450 sqft | $1,275/mo
📍 3589 Jonathan Cir – $169,900 | 1,315 sqft | $1,320/mo
📍 2676 Crosscreek Rd – $170,000 | 1,404 sqft | $1,321/mo

💬 Comment “Ready” or Text “Ready” to (803) 599-8532
📲 Same-day response – Let’s get you pre-approved TODAY

08/08/2025

Collections & Charge-Offs - Should you pay them?!

Before you start paying off old collections, it’s important to know your rights. Here’s a quick breakdown of how long creditors have to sue you in Georgia:

📝 Written Contracts – 6 years
– Includes signed agreements like installment loans or leases
– Time starts from last payment or when you defaulted

🗣 Oral Agreements – 4 years
– Verbal promises without written proof
– Time starts from the last payment or when the agreement was broken

📄 Promissory Notes – 6 years
– Includes car loans, private loans, etc.
– Clock starts from the due date or last payment

💳 Open-Ended Accounts – 4 years
– Credit cards, lines of credit, etc.
– Time starts from your last payment or charge

💥 Now, let’s talk about Collections & Charge-Offs

Here’s what you need to know:

🔹 Old debts (6-7 years) may be close to falling off your credit report. Paying them doesn’t always improve your score—it can actually re-age the account and hurt you.

🔹 Focus on newer collections first. These have the biggest impact on your score.

🔹 Negotiate no more than 30% of what you owe

🔹 Ask for a “Pay-for-Deletion” letter – this is when a collection agency agrees to delete the account from your credit report once you pay. Get it in writing before sending money! If they suggest a payment plan, do not accept and DO NOT give them your credit card information.

If they won’t delete it — don’t pay it. It’ll still show up on your report as “paid collection,” which doesn’t help much.

You can then write a letter to dispute, if you want. But if it's your debt, then it's your debt. It will not be deleted off of your report unless it is inaccurate. It’ll stay unless it’s past 7 years. Plus, if you are looking to buy a home soon, you would have to get the "Dispute" label off of your credit report on items more than $1,000.

✅ But before touching collections... focus here first:

🔸 Are you below 30% on your credit card balances?
🔸 Are you paying all your bills on time?
🔸 Are you avoiding new credit applications?

Let’s clean up the present before we deal with the past. 😊

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 Aneshawright.morty.com
📅 Schedule a call with me 👉🏾https://bit.ly/44qm7Hv

07/25/2025

Hey! This home is for sale and it could be yours.

It is back on the market. Take a look!

If you love what you see, let’s talk about getting you preapproved. 😊
I can help you understand how much you can qualify for and guide you through the process.

Message me to get started or apply below.

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 Aneshawright.morty.com
📅 Schedule a call with me 👉🏾https://bit.ly/44qm7Hv

You don’t need perfect credit — you need a plan.

07/22/2025

Let’s talk credit — because a lot of people are struggling right now.
Student loans are hitting hard and dragging credit scores down. I get it. But here’s the good news: it doesn’t have to stay that way.

I’ve been on this journey myself and now that my credit score is over 700, I want to use what I’ve learned to help others reach their goals too.

Here’s how you can start improving your score today:

🚫 Don’t waste time or money on:

-Credit Karma

-Kikoff

-Paid “credit fix” services

🔍 Instead, go to AnnualCreditReport.com and download all three reports for free. Take a real look at what needs improvement.

If you need help, I’ll gladly review it and give you a solid plan to improve your score — no charge at all.

✅ How to Improve Your Score:

-Pay down your debt gradually from smallest to largest

-Keep credit utilization under 30% — ex: $1,000 limit = stay under $300

-Maintain a good credit mix: 1–2 credit cards, auto loan, personal loan, etc. (in good standing)

-Limit hard inquiries — only apply when necessary

-Keep your oldest credit card open to show long-term credit history

🔒 How to Maintain It:

-Don’t apply for credit you can’t afford

-Pay every bill on time

-Only charge what you can pay off in full each month

Do these steps and things will change. I promise you. You don’t need perfect credit — just a plan. DM me and let’s build a plan that works for you.

P.S. This journey takes time. Don’t rush it. Stay consistent, stay disciplined — and trust God’s timing.
He will place you exactly where you’re meant to be, when you’re ready for it.

07/22/2025

Ready to buy but need help with the down payment?💰 These are some of the top programs we offer! Let’s see what you qualify for — message me or comment ‘READY’ to get started today!

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 Aneshawright.morty.com
📅 Schedule a call with me 👉🏾https://bit.ly/44qm7Hv

You don’t need perfect credit — you need a plan.

07/22/2025

Hey, we offer Rocket ONE+, one of our down payment assistance programs to help make buying a home easier.

✅ You bring just 1% down
✅ Rocket covers 2%
✅ No PMI required
✅ 620 Credit Score minimum

If you're ready to buy but need help with the down payment, this could be a great fit!

📲 Comment "Start" or message me to see if you qualify.

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 Aneshawright.morty.com
📅 Schedule a call with me

You don’t need perfect credit — you need a plan.

07/17/2025

🏡 Here's how much your monthly mortgage payment would be in 2025:

Assumptions:
• Credit score: 650
• Interest rate: 6.5%
• 3.5% down payment
• Taxes, Home Insurance, and Mortgage insurance included

Home Price / Monthly Mortgage Payment:
• $150,000: $1,168
• $200,000: $1,545
• $250,000: $1,918
• $300,000: $2,323
• $400,000: $3,003
• $500,000: $3,560
• $600,000: $4,130
• $700,000: $4,823

These estimates give you a sense of what to expect at a 6.5% interest rate.

Does this align with your budget? Let's chat!

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 Aneshawright.morty.com
📅 Schedule a call with me 👉🏾https://bit.ly/44qm7Hv

07/14/2025

With our One-Time Close Construction Loan, you can finance both the construction of your new home and your permanent mortgage — all in one smooth process.

Here’s what makes it a game-changer:
✅ Close in as little as 30 days
✅ Competitive interest rates
✅ One approval, one closing, one set of fees
✅ Finance the build + mortgage in one loan
✅ Minimum 700 credit score required

If you’re ready to build and want a stress-free financing experience, let’s talk.

📩 DM me “Build” or book a free call to see if this is right for you: https://bit.ly/44qm7Hv

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 https://bit.ly/4kCciuR

07/11/2025

Let’s try this again — but this time, with purpose and peace.

I’ve started and stopped this business page more times than I can count. And honestly? A part of me has held back because of fear. Fear of what people would think. Fear of being imperfect.

But I’ve realized that people don’t need perfection — they need real help. And that’s what I’m here to give.

I’m Anesha Wright, a Mortgage Loan Originator licensed in GA, and I help everyday people find peace in their finances and confidence in the homebuying process.

This time around, you’ll see more from me — real talk about money, debt freedom, budgeting, and financial peace.

I’m not here to impress. I’m here to impact. 💛

📌 If you’re working toward financial peace or homeownership (or both), I’d love to walk with you.

Let’s do this — one peaceful step at a time.

Anesha Wright
Mortgage Loan Originator
📍 Licensed in GA | NMLS #2508826
📞 803-599-8532
📧 [email protected]
🌐 Ready to Apply? 👉🏾 https://bit.ly/4kCciuR
📅 Schedule a call with me 👉🏾 https://bit.ly/44qm7Hv

"You don’t need perfect credit — you need a plan."
Committed to financial peace, clarity, and care every step of the way.

02/16/2024

🧠💰

🏡 FHA Collection Guidelines Simplified:

Ever wondered if you should pay collections or if lenders look at them when applying for a mortgage? Here is some information I'm sure you have never heard before.

🚫 No Requirement to Pay Off Collections:
FHA doesn't mandate paying off collections for mortgage approval.

🔍 Lender Discretion:

Credit derogatories are at the LENDER's discretion, potentially affecting Debt to Income limits, credit score requirements, or triggering collection payment conditions.

💰 Threshold for Action:
If total collection balances exceed $2000 (non-medical, Federal, or support debt), action may be needed.

💡 Example:
Scenario: You have $14,000 in collections (closed and open with balances). Could be Auto-related, personal loans, debt collectors, anything non-medical. Guess what, Charged off collections do not matter!

Action Steps:
Include 5% of the total collection balance in DTI ($700/month).
Alternatively, qualify with lower payment amount of an approved repayment plan.

If you paid off all collections now, your credit score should improve within 30 to 60 days depending on when the collections report back to the credit bureau.

Let me know if you would like to know about conventional, VA, or USDA guidelines when it comes to collections or more about this.

🔍 Ready to explore loan options in real-time? Click the link below for a self-serve experience:

https://www.morty.com/get-started/mortgage?loan_officer=anesha-wright

📞 Prefer a guided approach? Schedule a Buyer Consultation call with me. We'll discuss your financials WITHOUT checking your credit score. Click to book your slot:

https://calendly.com/aneshawrightrealtor/buyer-consultation
Anesha Wright, REALTOR®, MLO
The Numbers Girl
New Construction and Renovation Specialist
📍 GA - Licensed Loan Originator NMLS # 2508826
📞(803) 599-8532

Morty’s platform gives you the independence to run your mortgage business your way with the resources, infrastructure and technology you need to be successful in today’s mortgage industry.

02/12/2024

🏡📈

🏡 Get to Know Morty Platform: Your Key to Hassle-Free Home Financing!

Looking to supercharge your homebuying journey? Meet Morty – your trusted partner in navigating the world of mortgages. Here's why Morty stands out:

🚀 Expedited Pre-Approval:
Speed is the name of the game. Morty offers underwritten pre-approvals, slashing the underwriting process time before you even make an offer. Move quicker than competitors with Morty's streamlined pre-approval letters.

📅 Quick Close Advantage:
Time matters in homebuying! Morty’s Quick Close Advantage lets eligible buyers close in as few as 14 business days – less than half the national average. Stand out as a serious buyer in a competitive market by expediting your closing process.

💼 Competitive Advantage and Flexibility:

Secure your ideal rate for 180 days, lock in new rates if conditions improve, and skip escrow hassles with Morty's mortgage options.

💸 Cost Explorer for Smart Choices:

Explore Your Own Loans: Morty empowers you with a Cost Explorer tool(image shown), allowing you to explore various loan options tailored to your needs. Take control of your financing journey and make informed decisions.

🎴 Peace of Mind with Morty's Closing Date Promise:

Guaranteed Closing Date: Morty promises to meet your closing date, or you get $2,000. Say goodbye to closing date stress and hello to a smooth, reliable process.

🔍 Ready to explore loan options in real-time? Click the link below for a self-serve experience:

https://www.morty.com/get-started/mortgage?loan_officer=anesha-wright

📞 Prefer a guided approach? Schedule a Buyer Consultation call with me. We'll discuss your financials WITHOUT checking your credit score. Click to book your slot:

https://calendly.com/aneshawrightrealtor/buyer-consultation
Anesha Wright, REALTOR®, MLO
The Numbers Girl
New Construction and Renovation Specialist
📍 GA - Licensed Loan Originator NMLS # 2508826
📞(803) 599-8532

02/09/2024

🧠💰

🌟 Financial Check-In Alert! 🌟

Hey friends! 👋 Ever wonder where your hard-earned money is really going? Here's a quick tip on how to check your spending in 2023 and prepare for 2024 :

1️⃣ Check Your Bank Summary:
Take a peek at your bank summary for 2023. See where your money is flowing - every dollar, every category.

2️⃣ Expenses vs. Income:
Compare your expenses to your income. If you're seeing more dollars flying out than rolling in, it's time for a closer look.

3️⃣ Identify Spending Hotspots:
Discover those spending hotspots! For me, it was a jaw-dropping $5k in Food and Drinks and another $5k in Groceries. 😱 If I planned right, I could had over $10k saved!!! 🤦🏾‍♀️

4️⃣ Set Limits and Budget Weekly:
Take control! I set a weekly spending limit and check my budget religiously. I know life happens and things can get out of control, but don't beat yourself up! Keep it moving and stay on top of your spending as much as you can. Small changes can lead to big results!

5️⃣ Exciting 2024 Goals:
I'm on a mission to transform my spending habits and hopefully see some savings grow by the end of 2024! 🚀💰

Let's swap money-saving tips in the comments! 💬 What's your spending shocker and how are you planning to level up your financial game? Share your strategies! 🙌
Anesha Wright, REALTOR®, MLO
The Numbers Girl
New Construction and Renovation Specialist
📍 GA - Licensed Loan Originator NMLS # 2508826
Expert in Pricing Homes Accurately!
Looking to buy or sell? Click here ↙
https://www.itsthewrighthomes.com
📞(762) 901-2564