CJ Meert (NMLS # 557058) is the Area Sales Manager in Reno, NV
CJ Meert is a licensed sales manager who brings a wealth of expertise to your home financing experience. Courteous, efficient and dependable, CJ prides himself on prompt follow-up and accessibility. With CJ you can count on: A seasoned professional with the know-how to provide the very best service for you,The strength of a lender that has served the community since 1982, and most importantly,The commitment to conduct himself in a manner that is just, right and fair in every facet of your relationship. CJ Meert Area Sales Manager NMLS # 557058
Mission: Financing the American Dream one relationship at a time.
What A Great News! If you have questions or need help, contact our team at ClosingMark Home Loans today! 🙌
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BREAKING NEWS💥 Higher Loan Limits 💲 available across the country for 2020. This means MORE OPTIONS for more home ownership. Each county may have slightly different amounts. Contact Us to find out more!
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It may make the most sense to list your home this holiday season. Let’s get together to determine if selling now is your best move.
simplifyingthemarket.com Around this time each year, many homeowners decide to wait until after the holidays to list their houses. Similarly, others who already have their homes on the market remove their listings until the spring. Let’s unpack the top reasons why listing your house now or keeping it on the market this wi...
•With interest rates around 3.66%, now is a great time to look back at where they’ve been over the past few decades. Comparatively, they’re pretty low!
•According to Freddie Mac, rates are projected to increase to 3.9% by this time next year.
•The impact your interest rate has on your monthly mortgage payment is significant. An increase of just $20 dollars in your monthly payment can add up to $240 per year and $7,200 over the life of your loan.
•Maybe it’s time to lock in now, while rates are still historically low.
simplifyingthemarket.com Some Highlights: With interest rates around 3.66%, now is a great time to look back at where they’ve been over the past few decades. Comparatively, they’re pretty low! According to Freddie Mac, rates are projected to increase to 3.9% by this time next year. The impact your interest rate h
Real estate is impacted by the economy (and the consumer’s belief in the strength of the economy). The fact that most economic experts are calling for the recovery to continue through 2020 means the housing market will also remain strong for the foreseeable future.
simplifyingthemarket.com The economy is currently experiencing the longest recovery in our nation’s history. The stock market has hit record highs, while unemployment rates are at record lows. Home price appreciation is beginning to reaccelerate. This begs the question: How long can this economic recovery last? The Wall
With buyer demand as high as it is today, and inventory in the entry and middle-tier markets remaining low, it’s never been a better time to move up. Let’s get together to determine if now is your time to sell.
If you want to increase your savings and overall net worth, real estate is a great way to go. To learn how you can make it happen, let’s get together to discuss the process.
simplifyingthemarket.com Success is something often worth repeating, and Brent Sutherland, a Certified Financial Planner and Real Estate Investor, has certainly made his way in a momentum-driving direction. Here are 3 tips he shares from a recent piece in Business Insider on the benefits of owning real estate: 1. Real esta
Whether buying your first home or moving up to your dream home, knowing your options will make the mortgage process easier. Believe it or not – your dream home may already be within your reach.
simplifyingthemarket.com In a recent article, First American shared how millennials are not really any different from previous generations when it comes to the goal of homeownership; it is still a huge part of their American Dream. The piece, however, also reveals, “Saving for a down payment is one of the biggest obstacle
It is easier to get a mortgage today than it was immediately after the market crash, but it is still difficult. The difference in 2006? At that time, it was difficult not to get a mortgage
simplifyingthemarket.com Some are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. One of the factors they’re pointing at is the availability of mortgage money. Recent articles about the availability of low-down payment loans and down payment assistance programs are c
Today there is still a lack of inventory, particularly at the entry and middle-level segments of the market, but that is not stopping buyers from making every effort to pursue homeownership. The many financial and non-financial benefits continue to drive the American Dream and will likely do so for generations to come.
simplifyingthemarket.com In the third quarter of 2019, the U.S. homeownership rate rose again, signaling another strong indicator of the current housing market. The U.S. Census Bureau announced, “The homeownership rate of 64.8 percent was not statistically different from the rate in the third quarter 2018 (64.4 perc
Happy Veterans Day! Thank You for Your Service 🇺🇸
Honoring All Veterans 🇺🇸. Thank You for Your Service and Happy Veterans Day! We're open today and ready to serve! ⭐⭐⭐⭐⭐⭐
➡️Fact of The Day: Did you know that qualified Veterans can purchase a home with 0% down? Ask my team how and we can help get you started!
The best thing you can do today to celebrate Veterans Day is to share this information with those who can benefit from these opportunities. For more information, or to find out how to qualify to use a VA Home Loan Benefit, let’s get together to navigate through the process. Thank you for your service!
simplifyingthemarket.com Today, on Veterans Day, we salute those who have served our country in war or peace, and we thank them for their sacrifice. This year marks the 75th anniversary of VA Home Loan Benefit offerings through the Servicemen’s Readjustment Act, also known as the GI Bill. Since 1944, this law has created
“Focusing on nominal house price changes alone as an indication of changing affordability, or even the relationship between nominal house price growth and income growth, overlooks what matters more to potential buyers – surging house-buying power driven by the dynamic duo of mortgage rates and income growth. And, we all know from experience, you buy what you can afford to pay per month.”
simplifyingthemarket.com Home buying activity (demand) is up, and the number of available listings (supply) is down. When demand outpaces supply, prices appreciate. That’s why firms are beginning to increase their projections for home price appreciation going forward. As an example, CoreLogic increased their 12-month proj...
The financial benefits of homeownership, like increasing your net worth by building equity, and the non-financial benefits, like being able to customize and improve your space, will ultimately set you on the course to happiness, success, overall satisfaction, and much, much more.
simplifyingthemarket.com Millennials have waited longer than any other generation to become homeowners, but the wait for this cohort is just about over. According to National Mortgage News, “Millennials, those young adults now aged 23 to 38, are now entering their peak household formation and homebuying years.” If you
If you’re thinking of buying a home, you may want to consider a new build to meet your family’s needs. Let’s get together to discuss the process and review what’s available in our area.
simplifyingthemarket.com When you’re ready to buy, you’ll need to determine if you prefer the charm of an existing home or the look and feel of a newer build. With limited existing home inventory available today, especially in the starter and middle-level markets, many buyers are considering a new home that’s recently...
At this time of year, purchasers who are serious about buying a home will be in the marketplace. You and your family will not be bothered and inconvenienced by mere ‘lookers.’ The lookers are at the mall or online doing their holiday shopping.
simplifyingthemarket.com Many sellers believe spring is the best time to put their homes on the market because buyer demand traditionally increases at that time of year. What they don’t realize is if every homeowner believes the same thing, then that’s when they’ll have the most competition. So, what’s the #1 reason...
REMEMBER to set your clocks back 1 Hour!
Have An Amazing Weekend! 😊
Don't Forget to roll your clocks back 1 Hour⏰
DAYLIGHT SAVING ends on Sunday, Nov. 3
Beside that extra hour of sleep 😴, check out what the difference an hour makes! ⬇️
•614 Homes Are Sold
•95 Homes Regain Positive Equity
•Median Home Values Go Up $1.38
simplifyingthemarket.com Every Hour in the U.S. Housing Market: 614 Homes Are Sold 95 Homes Regain Positive Equity Median Home Values Go Up $1.38
Do your research, reach out to professionals, stick to your budget, and be sure you’re ready to take on the financial responsibilities of becoming a homeowner.
simplifyingthemarket.com A considerable number of potential buyers shy away from the real estate market because they’re uncertain about the buying process – particularly when it comes to qualifying for a mortgage. For many, the mortgage process can be scary, but it doesn’t have to be! In order to qualify in today’s ...
Though the price of homes may still be rising, the cost of purchasing a home is actually falling. If you’re thinking of buying your first home or moving up to your dream home, let’s connect so you can better understand the difference between the two.
simplifyingthemarket.com The gap between the increase in personal income and residential real estate prices has been used to defend the concept that we are experiencing an affordability crisis in housing today. It is true that home prices and wages are two key elements in any affordability equation. There is, however, an
If you’re considering selling your home, don’t wait – now is the time to make your move! Take advantage of the high housing demand and the low inventory of homes for sale at the lower end of the market and use your purchasing power while mortgage rates are low to go after the move-up home of your dreams. Let’s get together to decide if now is the right time for you.
simplifyingthemarket.com Tom Petty famously penned the words, “the waiting is the hardest part” in his early 80’s hit song The Waiting, and his thought process can surprisingly also be applied to individuals considering selling their homes today. Traditional thinking would suggest it may be best to wait until the spri...
Buying a home sooner rather than later could lead to substantial savings. Let’s get together to determine if homeownership is the right choice for you and your family this fall.
simplifyingthemarket.com Here are four great reasons to consider buying a home today, instead of waiting. 1. Prices Will Continue to Rise CoreLogic’s latest Home Price Insights Report shows that home prices have appreciated by 3.6% over the last 12 months.
Many potential homebuyers believe they need a 20% down payment and a 780 FICO® score to qualify to buy a home. This stops many people from even trying to jump into homeownership! Here are some facts to help take the fear out of the process:
•71% of buyers who purchased homes have put down less than 20%.
•78.1% of loan applications were approved last month.
•In September, the average credit score for approved loans was 737.
simplifyingthemarket.com Some Highlights: Many potential homebuyers believe they need a 20% down payment and a 780 FICO® score to qualify to buy a home. This stops many people from even trying to jump into homeownership! Here are some facts to help take the fear out of the process: 71% of buyers who purchased homes ha
It is true that home prices have risen over the past seven years, increasing the cost of owning a home. However, the cost of renting a home has also increased over that same time period.
simplifyingthemarket.com Much has been written about how residential real estate values have increased since the housing market started its recovery in 2012. However, little has been shared about what has taken place with residential rental prices. Let’s shed a little light on this subject. In the most recent Apartment R
The trend of multigenerational living is growing, and the benefits to families who choose this option are significant. If you’re considering a multigenerational home, let’s get together to discuss the options available in our area.
simplifyingthemarket.com Did you know that 1 in 6 Americans currently live in a multigenerational household? According to Generations United, the number of multigenerational households rose from 42.4 million in 2000 to 64 million in 2016. The 2018 Profile of Home Buyers and Sellers from the National Association of Realto
Depending on the segment of the market and the price point you’re looking at, you’re going to need the advice of a true local market expert. Let's get together to help you navigate the home-buying or selling process in your market.
simplifyingthemarket.com To understand today’s complex real estate market, it is critical to have a local, trusted advisor on your side – for more reasons than you may think. In real estate today, there are essentially three different price points in the market: the starter-home market, the middle-home market, and the p...
In a high-paced, competitive environment, any advantage you can give yourself will help you on your path to buying your dream home.
simplifyingthemarket.com In today’s market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared. Here are five tips from realtor.com’s article, “How to Find Your Dream Home—Without Losing Your Mind." 1. Get Pre-Appro...
•The National Association of REALTORS® surveyed their members for the release of their Confidence Index.
•The REALTORS® Confidence Index is a key indicator of housing market strength based on a monthly survey sent to over 50,000 real estate practitioners. Practitioners are asked about their expectations for home sales, prices, and market conditions.
•Homes across the country are selling quickly, in an average of just 31 days.
•49% of homes sold in less than a month.
simplifyingthemarket.com Some Highlights: The National Association of REALTORS® surveyed their members for the release of their Confidence Index. The REALTORS® Confidence Index is a key indicator of housing market strength based on a monthly survey sent to over 50,000 real estate practitioners. Practitioners are ask
We need to realize that today’s real estate market is nothing like the 2008 market. Therefore, when a recession occurs, it won’t resemble the last one.
simplifyingthemarket.com Today’s real estate market is nothing like the 2008 market. When an economic slowdown happens, it won’t resemble the last one. No one knows for sure when the next recession will occur. What is known, however, is that the upcoming economic slowdown will not be caused by a housing market crash,
It is never too early to start saving for your own home, whether you are part of Gen Z or a different generation. If you would like to know where to start and how much you need to save to reach your goal of buying a home, let’s get together so you can better understand the process.
simplifyingthemarket.com Gen Zers are the next generation of homeowners, and they’re eager to jump in and buy their first homes. Whether you are part of this generation or any other, it’s never too early to start saving, so you can reach your homeownership goal sooner rather than later. You’ve likely heard a ton about...
If you are going to sell, now may be the time to take advantage of the ready, willing, and able buyers who are out there searching for your house to become their dream home.
simplifyingthemarket.com Based on the current state of the market, trends are shifting in favor of sellers. If you are going to sell, now may be the time to take advantage of the number of buyers who are searching for their dream home. The best time to sell anything is when demand for that item is high and the supply of
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Educating home buyers and helping them navigate through the home buying process flawlessly. Advising customers on which loan best fits their needs.
As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs.
Yolanda welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Visit her Website for more information! Sales Manager, Mortgage Loan Originator NMLS# 349105
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