Mortgage Loans in Texas Lawanda Skrobarczyk - Your Personal Lender - NMLS# 282043 WBM Corpus Christi - NMLS# 297376 Click here for Texas Recovery Fund Notice http://www.sml.texas.gov/ConsumerInformation/tdsml_recovery_fund_claims.html
Don't forget to request a FREE copy of your credit report by visiting www.annualcreditreport.com!
Instead of comparing homes in your head or fumbling through your phone to take notes, use this home comparison chart to compare up to 3 homes in almost 100 different ways! 🕵️♀️http://bit.ly/2MawHIV https://bit.ly/2MawHIV?fbclid=IwAR08_oUQ6v9FTUu9ZdYB1eMpZvyjLii9W2cnezu6frNjR8DEh_CZoG51INk
readynest.com Our monthly budget worksheet, home comparison chart and home maintenance checklist can help you navigate the homebuying process.
Who here can use a 2 Story Closet? Awesome or Overkill?
Calling All Fashionistas! This Houston Home Has a Two-Story Closet | realtor.com® https://www.realtor.com/news/unique-homes/houston-mansion-massive-closet/
realtor.com Search real estate property records, houses, condos, land and more on realtor.com®. Find property info from the most comprehensive source of home data online.
After evaluating hundreds of homes, this real estate agent and former appraiser distilled her experience into 7 helpful tips for homebuyers: http://bit.ly/2HdYqrI https://bit.ly/2HdYqrI?fbclid=IwAR1fJbHZn52azNSApKm_oEwkhkub3NcYOlLyrWLS74ViNhKhEgyj_pk9tkI
readynest.com When buying a home, it’s important to be realistic about repairs a house might require and what that work might cost. One tip from a real estate agent? Start your home tour in the basement!
It is Mortgage 101 Monday and the term of the day is "points," also known as discount points. If you'd like to learn more about how discount points work or if you have any other mortgage related questions, please feel free to connect with me. I am always here to help answer your questions.
We LOVE and appreciate our Realtor partners beyond comprehension!
See why you should also love realtors and why you should highly consider seeking their assistance when looking to find and purchase a home.
5 Reasons Realtors Rock! | Willow Bend Mortgage-Corpus Christi https://wbmortgagecc.com/5-reasons-realtors-rock/
wbmortgagecc.com Marketing and Mortgage Extraordinaire, Author of this blog and many others like it. Lover of real estate and helping to make dreams come true.
"Hispanics may be at greater risk of placing too much stock in common homebuying myths based on values many of us inherited from our families or communities, along with our status as minorities in American culture." Concepcion Guerrero debunks 3 myths that may be holding #Hispanic homebuyers back: http://bit.ly/2zd7rvN https://bit.ly/2zd7rvN?fbclid=IwAR12IzzW8-1Hgr6cib02FnIC6QeUVExkS2lM6ZGJ4kJSLlsNneWxP6jda8s
readynest.com Could Hispanics be at greater risk of placing too much stock in common homebuying myths based their cultural background?
This is what we do. You can always count on us to manage this process and manage it well. Reach out if you ever have any questions about the mortgage process.
Great new trend on the horizon for Millennials!
Millennials may now be able to afford a new house https://www.usatoday.com/story/money/2020/01/10/buying-home-millennials-may-now-able-afford-new-house/2850016001/?fbclid=IwAR2McHdCH9kMPOxigZBjag08jmttC2pEP9Wwgj_p4J-tuQLljrsF53aEg-4
usatoday.com More starter homes are getting built, and that means more millennials may now be able to afford a new house after years of struggling.
You already know what today is!
It's Mortgage 101 Monday again, and as usual, if you have any questions about Closing Disclosures, or anything else mortgage related, please do not hesitate to ask.
Ouch! 3 Times You Can Kiss Your Earnest Money Refund Goodbye | realtor.com® https://www.realtor.com/advice/buy/here-are-3-times-when-can-kiss-your-earnest-money-goodbye/
realtor.com If the deal falls through, you’ll likely get your earnest money deposit back. But there are a few circumstances in which the seller is entitled to keep it.
I am super excited for this year and what's to come, and I just know in my heart of hearts that it is going to be a defining and life changing year for a whole lot of you.
What are your personal goals this year you intend on smashing? I'd love to hear about your resolutions and plans to conquer 2020 and make it your best year yet.
Finish these sentences so I can get an idea of what your 2020 of winning will look like!
And afterwards, don't forget to LIKE AND SHARE:
This Year I Plan To
Bet area investors, the DIY couples and families wanting to renovate that fixer upper they've had their eyes on would love one of these babies!
These floor scrapers are mesmerizing to watch https://facebook.com/InTheKnowIndia/videos/543534619707497/
Watch as these machines rip up floors for replacement
Is this the year - or even the decade - that you buy your very first #home? Set these 5 reminders in 2020 to get your financial house in order! http://bit.ly/39wagcp https://bit.ly/39wagcp?fbclid=IwAR1vNeHSwuRF_Tt9MkI9bY_VZYQxzcD1oKTbpFIwtrSsHt5io4UgDD84ipM
readynest.com Setting regular reminders can help you learn good habits, save more and cut down on financial stress – and put you in a better position to apply for a mortgage when the time is right.
Have you been thinking of making a few improvements, repairs or renovations to your home?
The Fannie Mae HomeStyle or FHA 203 Renovation Mortgage programs may be just what you need to get the hammer going!
The proceeds from this single close loan are used to payoff your existing mortgage AND provide you with the funds for the improvements, repairs and renovations. You also get the simplicity of having just one loan and one payment!
With one of our renovation programs, you can:
* Update or remodel the kitchen
* Replace flooring/carpet
* Add a bedroom
* Update, remodel or add a bathroom
* Paint the interior or exterior
* Repair the foundation
* Add a pool or outdoor kitchen and living area
THESE ARE JUST A FEW OF THE THINGS THAT ARE POSSIBLE WITH THESE PRODUCTS
Why wait? Reach out today for more details on how you can make your dream home a reality!
Mortgage Rates Remain Stable to Start 2020 | realtor.com® https://www.realtor.com/news/trends/to-start-2020-mortgage-rates-remain-stable/
realtor.com Improved economic data and market sentiment has contributed to interest-rate stability in recent weeks.
When it comes to your mortgage, qualification ratios may seem like something from your high school calculus class. It's actually not rocket science. The math is simple, and the concept is sound.
Income Ratio is your total monthly housing payment as a percentage of your gross monthly income. Your total housing payment consists of principal, interest, property taxes, hazard insurance, mortgage insurance (if applicable) and any condo/co-op or association fees.
Debt Ratio is your total monthly housing payment plus any recurring monthly debts as a percentage of your gross monthly income. Other debts include all other payments such as cars, credit cards, student loans, personal loans, retirement savings loans, etc.
How High Can they Go? It varies by loan program and other factors, but the approximate range for your debt ratio is from about 33% to 43%.
Example: If your total gross income is $5,000 per month, your total housing payment plus recurring debt payments should not exceed approximately $2,150 for a 43% ratio or $1,650 for 33% ratio.
What's Right for Me? Truth is, everyone is different. Some people are comfortable using a higher percentage of their income, and others are not. Family size, other expenses and lifestyle can all have an impact.
I'm happy to take the time to go through the numbers with you. Together, we can help determine a comfortable payment and corresponding purchase price. Reach out today.
Happy New Year Everybody!!!
Just an FYI... Our office is closed today. We will resume normal business hours tomorrow 1/02/2020.
Hope you all are having a fun and safe New Year day
Another amazing year is rounding out and coming to an end.
But no need to worry, because a new year is upon us and with it comes the blessing of new and cherished memories to decorate your life with, new and exciting opportunities and challenges, new goals to smash and new chances to make the wrongs of the past right.
Let's all accept these blessings with open arms and in doing so, learn to break bad habits, end dead cycles, take time to learn new skills, do good deeds, visit new places, try new foods and take new and calculated risks!
Wishing you all the best in life.
Here's to good health, happiness and prosperity in this year and all the years to come! Happy New Year!
Doing some #budget planning for 2020? Don't forget to leave space for #home maintenance and repairs along with all those streaming subscriptions! http://bit.ly/2HqiuJ4 https://bit.ly/2HqiuJ4?fbclid=IwAR1ik3SrdqgVsg3YX2t215rB3OXHaZotqtbLibkaaysBv8gEX_bnvhRuuQc
readynest.com Creating a home repair and maintenance budget will help you plan for expenses, keep your home in good shape and protect your investment.
The iconic ball has more than 30,000 sparkling LED lights––and it's getting a test run 👀✨ https://facebook.com/InTheKnowInnovationAOL/videos/516293035647805/
The iconic ball has more than 30,000 sparkling LED lights––and it's getting a test run 👀✨
Today is Mortgage 101 Monday and the mortgage term of the day is Letter of Explanation or (LOE). Please feel free to reach out if you have questions about LOE's or anything else related to mortgages.
Wow! So darned cool!
Who would be up for this?
You can sleep under the stars in this bubble tent hotel https://facebook.com/InTheKnowWanderlustByAOL/videos/745990035902327/
You can sleep under the stars in this bubble tent hotel
What Is a Plat Map? It Tells You a Lot About Your Property | realtor.com® https://www.realtor.com/advice/buy/what-is-a-plat-map/
realtor.com If you're buying a house, it's wise to take a look at your property's plat map. What is a plat map? Learn about this very important real estate document.
Wishing you all a very happy Holiday Season and a peaceful and prosperous New Year to come!
My warmest wishes to you and yours for all of 2020 and beyond.
'Tis The Season of giving, and I would like to give a huge thank you from the bottom of my heart to all of my cherished customers.
Have a happy Holiday Season and a very Merry Christmas!
I look forward to making more dreams of HomeOwnership come true in the year to come!
Today's Mortgage 101 Monday term of the day is Rate Lock. To learn more about rate locks or anything else related to mortgages please feel free to reach out.
Such a kind and caring little soul.
"I couldn't believe that a 5-year-old could think of doing something like that." https://www.yahoo.com/now/student-lunch-debt-hot-cocoa-standbreeze-hill-elementary-school-california-211402576.html?ncid=facebook_projecttil_azfbix1qq3o
yahoo.com A kindergartener is being praised for her incredible act of kindness after revealing the difficult motivation behind her hot chocolate stand.
How to Prepare to Buy a Home: First, Use This Checklist | realtor.com® https://www.realtor.com/advice/buy/how-to-prepare-to-buy-a-home/
realtor.com Before you start house hunting, you should learn how to prepare to buy a home. Here's a checklist of everything you should do to get your ducks in a row.
Do You Have Mortgage Questions?
I Have Answers
Allow me to help get you the keys to your dream home.
Request Your FREE No Obligation Consultation Today!
Are you a #renter looking to become a #homeowner in 2020? Do these 3 things before the end of the year to get a head start on your homeownership goals.
(via Down Payment Resource) https://bit.ly/2EhmIj0?fbclid=IwAR38lkTxhjl_YO-oxeoqBbwEACVjQKnZyXxy0i23AeZNsf7iw5bDFnrt5uk
downpaymentresource.com Along with year-end parties, comes New Year goal setting, right? It’s time to look forward and envision where you see yourself this time next year. Is owning a home on your list of goals? Before you stumble upon that dream home while out looking at holiday lights, take these three simple year-end ...
Once again Mortgage 101 Monday is back!
And Today's Mortgage Term is Escrow.
If you have any questions about how Escrows work or if you'd like to know about anything else mortgage related, please do not hesitate to reach out.
It's Fur Ball Friday Family...and who doesn't love puppies!?
Check out this adorable little fur ball makeover
This will definitely put a smile on your face... 😍
We asked a bunch of strangers what their biggest #obstacle to #homeownership is. We heard the same reason over and over... and it will almost certainly NOT shock you! 🧐😱 https://facebook.com/Readynest/videos/1010637729293468/
We asked a bunch of strangers what their biggest #obstacle to #homeownership is. We heard the same reason over and over... and it will almost certainly NOT shock you! 🧐😱
Considering taking the leap into first-time home-ownership but uncertain whether or not you should just continue to rent?
“The biggest mistake millennials are making is not buying their first home,” according to financial expert David Bach. Home-ownership increases your net worth 44 times more than renting, and if that isn't reason enough for you to buy, take a look at a few of the other Pro's to owning your own home.
With a home purchase, you can:
• Build equity (investment) in your own home
• Enjoy a stable housing payment (no surprise increases in rent)
• Potentially take advantage of tax breaks
• Control your own space (think pets, paint, knocking down a wall...)
With today's rates, low down payment programs, an backed by your history of renting,
a home of your own may be closer than you think. Reach out today!
I have built a strong reputation as an outstanding mortgage loan originator, serving the lending needs of real estate professionals, builders and individual homebuyers throughout South Texas and the Coastal Bend. Myself, along with our Team at Willow Bend Mortgage Corpus Christi proudly serve the entire Coastal Bend, including, but not limited to … Corpus Christi, Robstown, Sinton, Portland, Orange Grove, Mathis, George West, Beeville, Alice, Freer, San Diego, Bishop, Kingsville, Hebbronville, Falfurrias, Premont, Sarita, etc... We're a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources.
As your personal lender, I am dedicated to finding the right loan-with the best rates, terms and costs possible-to meet your unique needs. But that's just the beginning of my service to you. Throughout the lending process, I regularly provide loan updates and progress reports so you always know the status of your loan. When working with me and our team at Willow Bend Mortgage Corpus Christi, you’ll not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan,at your convenience, online - 24 hours a day.
I believe strongly in the following principles: hard work, integrity, compassion, understanding and patience.
I wholeheartedly acknowledge that every single customer is truly invaluable and deserves not only my utmost respect but also exceptional customer service and attention. My goal is not just to earn your business, but more importantly to earn your trust. I look forward to the privilege of serving you and helping you purchase your first home, an investment property and or another home of your dreams. Thank you for visiting my page. I look forward to putting my expertise to work for you!
Click here for the Texas Recovery Fund Notice Information
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Whether you’re a first-time homebuyer, buying a new home, refinancing or renovating, I can help you! Call me today or apply on my website: HomeloanswithMary.com
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NMLS ID 130984 Branch Manager - Jason Pitarra Branch NMLS ID 1119869
I believe in honesty and integrity and I aim to deliver those values throughout the entire loan process with my agents and our clients. Speed and precision with Supreme Lending is a given, but it is the honesty that builds the relationship for life.
At Hyroad Investments we help people who have fallen in difficult situations with their homes. We purchase homes for cash and rehabilitate them.
Atlas Finance will go over and beyond to help you with a installment loan tailored to your needs. Atlas Finance recognizes customer services since 1967.
Cash emergencies can pop up any time. When you need quick cash, stop by Speedy Cash in Corpus Christi, TX.