T.J. Ebert, Senior Loan Officer - NMLS 506744

06/05/2025

The MHVI is critically low on food supplies - summer months can be very challenging with children home from school. If you're in the are and able, they're hosting a drive-thru food drive on Sat 6.14 from 9a-12p!

Apologies on the last post - the date is correct on the flyer...it's Saturday, June 14th (Flag Day). Please donate if you can!!

05/28/2025

Was a great day delivering bags for the Veterans America + Zoeller Team neighborhood food drives with & !

All donations are being given to

04/26/2024

🏡

04/22/2024

First-time home buyers: the best time to buy a home was 1, 2, 3, 4 years ago. The second best time is now.

It's okay to be like, "Hey, I'm not excited about these rates or these prices. But this is what I need to do to have any chance of being a homeowner."

Caution and uncertainty about buying your first home is natural. Recently, buyers seem more ready to take that risk and understand it's a necessary step towards homeownership in today's market.

The cost of waiting to buy is truly a cost. If you've made up your mind to become a homeowner and would like to see what the "cost of waiting" is for you, send me a DM.

Equal Housing Lender. ProVisor, INC NMLS 1802853

04/12/2024

🏡 Don't fall for the #1 myth when buying a home!

💰 Your down payment isn't the end-all, be-all for securing your dream home.

💼 It's just one piece of the puzzle when it comes to closing costs. From appraisals to title fees, there's a whole lot more to consider.

📝 And let's not forget about setting aside for those escrow deposits for homeowners insurance and property taxes!

💪 Make sure you're prepared for all the costs, not just the down payment.

04/04/2024

Register for our event!

http://www.tinyurl.com/steeltankapr23

Tues, Apr 23rd @ 6-730p

SteelTank Brewing (O’woc)

03/21/2024

The Fed once again held rates steady - which was very much expected.

Something that was slightly unexpected was that the majority of committee members foresee 3 rate cuts before the end of 2024, and another 3+ rate cuts in 2025 (pictured is the Fed's "dot plot" for reference).

A rate cut this year would be the first reduction since March 2020, in the very beginning of COVID.

The Fed cutting rates is not a matter of "if", but "when" 🙌

Equal Housing Lender. ProVisor, INC NMLS 1802853

03/18/2024

This is a real estate hack that every millennial should do before they get married, and it could literally make you millions in the first 7-10 years of your relationship.

It takes a little bit of finesse and strategy, but follow me here.

What you need to know is banks look at a married couple as one entity when approving you for a home loan.

So the strategy here is, before you get married, before you move in together, you have an agreement that you’re gonna buy your first 3-4 unit property with an FHA loan, and your partner is gonna buy their first 3-4 unit property.

With an FHA loan, you put 3.5% down on your purchase, and they put 3.5% down on theirs.

You each live there for about a year.

We’ll call it a long-distance relationship, but really it’s an investment.

After about a year of living in your own respective property, you rent out your unit.

They rent out their unit.

Now you have 6-8 cash flow units in two buildings that you can move out of.

And buy you own primary residence together and let your tenants continue to pay the rent.

You’ll build your equity for the next 7-10 years that could be worth millions of dollars.



Equal Housing Lender. ProVisor, INC NMLS 1802853

03/01/2024

Wendy’s bringing to light this truth 😂

Equal Housing Lender. ProVisor, INC NMLS 1802853

More buyers = higher prices 😂😂