As the Owner of Elite Mortgage LLC, and a 20 year veteran of real estate finance, I am seasoned in FHA, VA, Conventional, Rural Housing, Jumbo lending.
A Mortgage Banker with over 25 years of experience. I am Committed to providing a Partnership and Support to my Real Estate Professionals, Customers and Employees that is unmatched. My Mission is to make your home buying process a smooth and seamless event, and to guide you on your way to your new home!
If you didn’t hear…the Federal Reserve cut the Fed Rate by .25% last week…
…It’s the first time they’ve done that SINCE 2008!
Now might a GREAT time to consider refinancing your mortgage. If you’d like to see how much you could potentially save on your mortgage shoot me a PM or comment below :)
Mortgage Rates Barely Budge Despite Bond Market Improvement😊🏡📉
Mortgage Rate Update! #EliteMortgageRates
Elite Mortgage LLC NMLS# 1631117
Did you know FHA's Loans are one of the best ways to buy a home?
* Low Down Payment!
* Low Interest Rate!
* Flexible Credit scores!
* Purchases up to $305,000 with only 3.5% down!
* Close in less than 30 Days!
Call TODAY! #EliteMortgage
Happy New Year to all my Friends and Family! Thank you for making 2018 an incredible year!
Be a savvy Homebuyer NOW!
Could it be time to Refinance that mortgage loan? Read and See! #LowerRates #EliteMortgage
elitemortgagerates.com Do any of these 7 financial situations sound like you? If they do, then you might be ready to refinance your mortgage!
Lock your interest rate and Go House hunting without Rate Risk!
Looking to Buy or Refinance your home? Then see why folks are turning to Elite Mortgage! #QuickClosings #GreatRates #EliteMortgage
elitemortgagerates.com Elite Mortgage LLC in Owensboro, Kentucky and by phone at 270-240-1724 We specialize in mortgages, home loans, mortgage rates, refinance
Forbes providing excellent guidance to consumers.
Tip # 3 Get Pre-Approved by a local mortgage broker!
forbes.com These five tips from my new book will save you thousands of dollars on your next home purchase.
August 30, 2018
Mortgage rates didn't move at all, again today. There really hasn't been any meaningful movement for more than 3 weeks.
Mortgage Rates Extend Steady Streak📉
Aug 22 2018, 3:45PM
Mortgage rates haven't really moved for 9 straight business days. Some lenders have seen microscopic improvements during that time, but the average lender is still quoting the same rates and fees seen on August 13th🏡👍
Open Houses 🏡 are abound!
Here is every Open House for this weekend! #HomeOwner
Get Pre-Approved AND Lock in your interest rate BEFORE you even find a house! Take the worry out of rising rates with "Lock & Shop", Exclusively from Elite Mortgage!
Mortgage Rates ended the week a tad lower, but the outlook is they will move higher.
Haven’t found the right home yet and worried about where rates are headed? Ask me about my New LOCK & SHOP Program! Lock your rate before you find that dream home! Takes the worry out of the rate risk! #Lock&Shop #EliteMortgageDelivers
Checkout this Open House Saturday from 10-11:30 am! Marketed by Rick Cummins
More options-Better rates-One on one Service and Quick Closings!
Every April 3rd National Chocolate Mousse Day (Oh who are we kidding EVERYDAY is NCM Day!!!) Recognizes the decadent dessert that gained popularity in France in the 1800s.
Mousse is prepared by beating eggs or cream or both to a frothy, airy consistency and then folding the ingredients together to create a light, creamy delight.
While mousse can be either savory or sweet, for this day we will focus on that all-time favorite, chocolate.
From dark chocolate to milk chocolate, bittersweet or any combination, there is plenty of variety when it comes to chocolate mousse.
HOW TO OBSERVE
Give this recipe a try: Ghirardelli Chocolate Mousse recipe.
BEFORE Buying a Home-Here are some Things You will want to Do First!🏡👍
Tour this gorgeous home at today’s Open House with Kent Selby, Castlen Realtors!
Tour this beautiful home at this weekend's
Shopping for a home this weekend? I can get you pre-approved today, just in time to tour Brian Luttrell's
#EverythingYouDoIsRightDay NATIONAL EVERYTHING YOU DO IS RIGHT DAY👍
You get to feel good about everything that you do.👏
When you are right, you’re right. 👍There is no wrong way about it. Take the good with the bad and a have a right kind of day.
Have a Safe, Legal and Fun Everything You Do Is Right Day.🤗
#RegisteredDietitianNutritionistDay NATIONAL REGISTERED DIETITIAN NUTRITIONIST DAY
Observed annually on the second Wednesday in March, National Registered Dietitian Nutritionist Day celebrates the contributions of these medical professionals.
For more and complete information, click on the links below:
I’d like to see higher learning institutions have more skin in the game. Everyday I see folks with crushing student loan debt trying to qualify for home loans. Some of the investors of conventional loans are a little more flexible and qualify you off the wage earner minimum payment. However, FHA uses a 1% of balance payment to qualify you-and that’s becoming an issue with young people with limited down payment and $50k+ in student loan debt.
hechingerreport.org Melissa Coombs bet on college. She took out loans, moved to Maine from Connecticut, and spent four years earning a bachelor’s degree in marketing. After graduation, she moved home and started looking for a job. “I actually ended up working at a gas station, and realized, after about eight months...
Each year on the 9th of March, people across the country observe National Get Over It Day. Just as it implies, National Get Over It Day is to do exactly that, GET OVER IT.
HOW TO OBSERVE
Has something trivial been weighing on your mind? Get over it and use #NationalGetOverItDay to post on social media.
Get Over It Day was created by Jeff Goldblatt in 2005 after having trouble getting over an ex-girlfriend. For more information visit his website at thewhatevernetwork.com.
Are you ready for a great snack and orange fingers? Happy National Cheese Doodle Day! March 5th is the annual celebration for the cheddar cheese coated, puffed or crunchy, fried or baked snack food.
The actual inventor of Cheese Doodles is under debate.
Generally, the credit goes to a man named Morrie Yohai who made a variety of extruded snack foods in the 1940s for his family’s company called Old London Foods. Other sources show patents for similar products in the 1930s and still other competing accounts in Wisconsin and in New Orleans as well.
However they came to be, they are here. Their crunchy, orange deliciousness is enjoyed around the world! They come in a variety of shapes, sizes and flavors and 15 million pounds are produced annually.
What’s your retro? On National Retro Day, swoop the hair into a mile-high beehive or strut those eight-inch bell bottoms. Can you maximize the curls for a stellar Afro? Don’t hesitate to break out the old roller skates and see if you still have those mad skills. Tie the hair up with a polka dot bandana and strike muscle pose like Rosie the Riveter. Maybe you prefer a moonwalk, a leather jacket, and a single glove.
With no smartphones, internet, and social media, we spent more time focused on each other when we were together. Each moment recorded in memory for us to look back retrospectively and not for the whole world to see.
You put down 1% and the Lender gives you 2% for a total of 3% down!🏡👍💰
What better way to put that Tax Refund to work! Ask Us About 1% Down!
Mortgage Rates Ready to Move After Tomorrow's Inflation Data
Mortgage rates began the day fairly well in line with the past 2 days. While it's nice to see some stability in this environment, it's not so nice that it's occurring at 4-year highs. Do we have a shot at moving much lower or should you brace for more? What warning signs should you look for to help answer that question?
Much has been made in the news recently about the correlation between stocks and bonds (which dictate rates). Depending on the day, stocks are said to be falling because rates are too high or rates are said to be rising because stocks are rising. In reality, rates are largely doing their own thing, and that thing just happens to correlate with movement in stocks in general. Last week's stock crash was a different story as it did actually help interest rates catch their collective breath.
Tomorrow will be a different story yet again as the Consumer Price Index (CPI) stands a very good chance to inform the next major move for rates. CPI is the most important inflation report and arguably the most important economic report in general at the moment. To whatever extent inflation is higher than expected, we're likely to see upward pressure on rates. If it's much weaker than expected, the recent resilience near the multi-year rate highs could give way to some actual progress back in the other direction. It remains to be seen how long such progress could last, but in any event, you'd want to assume it had a limited shelf life unless something changes (and if something changes, we'll definitely be talking about it here).
FatTuesday, #MardiGras, #ShroveTuesday Join in festivals around the country or have your own Fat Tuesday feast!
The last day of Carnival and the day before for Ash Wednesday, Fat Tuesday is the intertwining of a period festivals and feasts that lead to a time of fasting and reflection. Also known as Shrove Tuesday and Mardi Gras, this enduring celebration has many traditions and deep roots around the world. 👑 🎉
Don't Go (house hunting) till ya know (you can qualify)!
Rates are up!!!
Mortgage Rates in Big Trouble
Feb 1 2018, 4:41PM
Mortgage rates are in big trouble. Whatever you've read about the current spike so far today, you'll probably need to double it after today's bond market movement. Why? Because most news stories on rates haven't yet accounted for today's bond market movement! The most prevalent source material is Freddie Mac's weekly survey which generally tracks lender quotes from Monday and Tuesday of any given week. The survey showed a 0.07% jump week over week.
The actual jump is more like 0.12-.13. The average lender is now quoting 4.375% on top tier 30yr fixed scenarios. More than a few are already up to 4.5%. Lenders quoting rates much lower are likely doing so at the expense of profit margins and that could create sustainability concerns. Moreover, unless you're interacting directly with someone who is in a position to lock a mortgage rate for you right then and there, there's really no guarantee that the information informing any given opinion on rates is still current. In other words, things have been moving quickly. Just because a mortgage lender could easily quote one rate a few hours ago doesn't mean that rate is available now. Keep the volatility in mind if you happen to have a loan in process. #RatesUp
Congratulations to the Butlers!
We closed on their new home in just 18 days! #EliteMortgageLLC
Elite Mortgage LLC NMLS# 1631117
Now is actually the ideal time to buy a home! 🏡
thespruce.com Find out why buying a home in winter can make perfect sense, and how you may find yourself coming out way ahead if you choose to buy and move house in winter.
Happy New Year!
"Whatever you do or dream you can
Boldness has genius and power
and magic in it."
"What is not started today is never
~Saint Francis of Assisi
Even with the recent changes, owning a home can still provide significant tax advantages!
elitemortgagerates.com Talk to your tax expert to accurately assess your situation, however, use this brief guide to get an idea of the tax advantages that could be in your future as a homeowner!
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Loans to fit your needs starting at $500.00 Applications by phone or in person Where you are more than a credit score Fast. Friendly service Locally owned Consumer Finance Company Over 30 years of Experience All loans subject to credit approval
Mortgage Loan Officer at South Central Bank NMLS 1733977
Since 1975, home loans have been our only business.
I've been in the mortgage industry for 20 years with expertise in FHA, VA, USDA, Jumbo and Conventional financing. I love helping homebuyers whether your a first time homebuyer or repeat buyer. Contact me on how I can help you today!