Tim Strickler- American Eagle Mortgage

Loan Advisor NMLS #436011 The American Eagle Mortgage of Florida, LLC – NMLS #167191 - Equal Housing Opportunity.

A client came to us to purchase an investment property. Her debt-to-income ratio was too high but we worked closely with our in-house underwriter to use the renovation invoices to lower her debt to qualify her for the loan. She's happily working on her newest renovation project.

Don't forget! Daylight Savings Time ends November 4th!

A longtime client of ours came back to purchase yet another property for her growing investment portfolio. Though she had the cash available from an equity line on her primary residence, she wanted to preserve those funds for necessary repairs on the new purchase. But, because she had purchased and renovated multiple investment homes the year prior and hadn’t yet collected enough rental income, her debt-to-income ratio was too high. Working closely with our in-house underwriter, we were able to use the renovation invoices to lower her debt, show positive cash flow and qualify her for the loan. She didn’t have to touch her equity line for the down payment and is now happily working on her newest renovation project.

rismedia.com

Housing on Normalizing Track: Zillow

The housing market is showing signs of stabilizing, with a cool-off in home prices and rents in September, according to the latest monthly Real Estate Market Report from Zillow.

rismedia.com Is a correction happening? New research says yes.

zillow.com

Find and Fix Drafty Windows to Keep Your Home Warm and Snug

Drafts, be gone! Find them, seal them and banish them for good in 3 steps.

zillow.com Drafts, be gone! Find them, seal them and banish them for good in 3 steps.

A client came to us wanting to stop paying rent, plant roots in his community and buy his first home. We laid out a game plan that included Advance Approval®, our program for full underwriting pre-approval that allows buyers to close quickly. After a month of searching, he found the home he wanted but was up against two challenges. First, it was priced close to the FHA county limit so to get the loan, he needed a 10% down payment. Fortunately, his brother stepped up and helped him with a gift. But he was also up against several other offers. So we called the listing agent to explain how, with Advance Approval®, we could close in as little as 21 days. That did the trick. Our client’s offer was accepted and our in-house underwriting team jumped through every hoop imaginable to close in only nine days!

realtor.com

Well Water Testing, Explained: Do You Know What You're Drinking?

Does your house have well water? Here's what to look for when testing it.

realtor.com Well water testing is a must when you're buying a home with a private well. Here's how to tell if that house you want to buy has water you want to drink.

A client came to us wanting to plant roots in his community. We laid out a game plan that included Advance Approval®, our program for full underwriting pre-approval that allows buyers to close quickly. Our client’s offer was accepted and we closed in only nine days!

realtor.com

How to Buy a House in Your 20s—and Why You Really Should

Think you have too much debt to buy a home in your 20's? Here's how you can buy a home and why you should do it now.

realtor.com Curious to know how you can buy a house in your 20s? It's entirely possible if you take these steps.

realtor.com

Your Fall Home Maintenance Checklist: 7 Tasks to Tackle Before Temperatures Dip

Here are a few home maintenance tasks for you to tackle this Fall!

realtor.com Don't let fall's first freeze take you by surprise. Take a swing through these maintenance tasks, and protect your house before the chill sets in.

realtor.com

Take Our Quiz: Are You Truly Ready To Buy a House?

How much do you know about buying a house? Take this quiz to find out!

realtor.com Take this quiz to test your home-buying smarts, and see if you're truly ready to tackle a mortgage, home closing, and more.

forbes.com

Make These Five Energy-Efficient Improvements To Increase Your Home's Value

In 2018, there’s an abundance of reasons why you should make your home more energy efficient.

forbes.com In 2018, there’s an abundance of reasons why you should make your home more energy efficient.

keepingcurrentmatters.com

NAR Reports Show It’s A Great Time to Sell!

The best time to sell anything is when the demand for that item is high and supply of that item is limited. The last two major reports issued by the National Association of Realtors revealed that right now continues to be a great time to sell your house.

keepingcurrentmatters.com We all realize that the best time to sell anything is when the demand for that item is high and the supply of that item is limited. The last two major reports issued by the National Association of Realtors (NAR) revealed information that suggests that right now continues to be a great time to sell y...

homes.com

Dog-Friendly Backyard Tips to Protect Your Yard and Pet | Homes.com

Is your dog a natural digger? No worries, here are some dog-friendly backyard tips to protect your yard and pet.

homes.com Is your dog a natural digger? No worries, here are some dog-friendly backyard tips to protect your yard and pet.

keepingcurrentmatters.com

Home Prices Have Appreciated 6.9% in 2018

Between 1987 and 1999, which is often referred to as the ‘Pre-Bubble Period,’ home prices grew at an average of 3.6% according to the Home Price Expectation Survey.

keepingcurrentmatters.com Between 1987 and 1999, which is often referred to as the ‘Pre-Bubble Period,’ home prices grew at an average of 3.6% according to the Home Price Expectation Survey.

keepingcurrentmatters.com

What Does the Future Hold for Home Prices?

Home prices are at the top of everyone’s minds. Can they maintain their current pace of appreciation? Will the next economic slowdown cause prices to crash?

keepingcurrentmatters.com Home prices are at the top of everyone’s minds. Can they maintain their current pace of appreciation? Will rising mortgage rates negatively impact home values? Will the next economic slowdown cause prices to crash?

realtor.com

Fact or Fiction? 6 Down Payment Myths You Should Stop Believing Immediately

Is the down payment keeping you up at night? Rest easy: We're about to debunk some myths that may have misled you about this crucial step of the home-buying process.

realtor.com Is the down payment keeping you up at night? Rest easy: We debunk some myths that may have misled you about this crucial step of the home-buying process.

forbes.com

The Five Most Common Home-Buying Contingencies, Explained

Getting ready to write an offer? Let's go over the five most common contingencies that buyers use so that you can go into the process feeling informed.

forbes.com Getting ready to write an offer? Let's go over the five most common contingencies that buyers use so that you can go into the process feeling informed.

housingwire.com

Home sales slowing – but not for first-time homebuyers

Home sales are slowing as the year stretches on, however, that’s not true for one market segment – first-time homebuyers. In fact, first-time buyers purchased more homes in the first half of this year than any first half since 2005.

housingwire.com Home sales are slowing as the year stretches on, however, that’s not true for one market segment – first-time homebuyers. In fact, first-time buyers purchased more homes in the first half of this year than any first half since 2005.

Our borrower was a REALTOR and spends her time helping others find the perfect home. So when it came time to buy a home for herself, she knew which lender to work with. We had her loan wrapped up quickly and in just over a week, she landed the keys to her new home.

cnbc.com

Housing tipping back to a buyer's market as sellers cut prices

Home price growth is slowing in nearly half of the 35 largest U.S. metropolitan markets. If you have been waiting to purchase a new home, the time is now! Let's talk today.

cnbc.com More price cuts are cropping up on U.S. housing markets listings than a year ago. This signals a turn in the market, which has been largely a seller's market for the past few years. 

trulia.com

Does Your Neighbors’ Age Influence Your Home Value? - Trulia's Blog

You may never have thought of housing in this way, but exploring the ages of the people where you live—or where you want to move—can give you a high level sense of potential homebuying opportunities:

trulia.com You may never have thought of housing in this way, but exploring the ages of the people where you live—or where you want to move—can give you a high level sense of potential homebuying opportunities.

huffingtonpost.com

Think These 11 Things Can Hurt Your Credit Score? Try Again.

It pays to know how your credit score works. That means understanding what doesn’t affect your score just as much as what does. And you might be surprised by what that includes:

huffingtonpost.com Here's the lowdown on how your credit score is calculated.

Timeline Photos

cnbc.com

HGTV buys, plans to restore 'Brady Bunch' house and Lance Bass is cool with it

HGTV purchased the "Brady Bunch" house and plans to restore it to its 1970's glory. Would you ever purchase a home that was a piece of American TV history?

cnbc.com Discovery CEO David Zaslav announced the home improvement cable network was the winning bidder for the iconic house.

apnews.com

Fed keeps key rate unchanged while signaling future hikes

The Federal Reserve is keeping its benchmark rate unchanged but signals that gradual rate hikes are ahead amid a strong economy.

apnews.com WASHINGTON (AP) — The Federal Reserve on Wednesday left its benchmark interest rate unchanged while signaling further gradual rate hikes in the months ahead as long as the economy

cnbc.com

The Fed didn't raise rates this time, but will again. Here's how to prepare for the next hike

The Fed did not raise interest rates Wednesday, but it did set the stage for a September hike.If you're concerned about what this mean for your wallet, here's a breakdown of what's in store — and what you can do about it today.

cnbc.com The Fed pointed to more rate increases before the end of the year. Here's what you should do about that.

apnews.com

Fed keeps key rate unchanged while signaling future hikes

The Federal Reserve is keeping its benchmark rate unchanged but signals that gradual rate hikes are ahead amid a strong economy.

apnews.com WASHINGTON (AP) — The Federal Reserve on Wednesday left its benchmark interest rate unchanged while signaling further gradual rate hikes in the months ahead as long as the economy

realtor.com

You'll Never Guess How Far New-Home Prices Have Dropped

If you've been hoping to buy a pristine, newly built home, but hesitating over the price, you may want to take the plunge now. Contact me to learn why!

realtor.com Those who've been hoping to buy a new-construction home but are hesitating over the price may want to take the plunge now.

realtor.com

The Fine Print: 5 Things Homeowners Insurance Might Cover One Year but Not the Next

Take the time to explore your options when getting homeowner's insurance, as not everything you might think would be covered.

realtor.com Unless you read the fine print (no judgment here!) you probably won't know these items are not covered by your insurance policy.

mpamag.com

Homeownership expected to rise for the young

Homeownership is expected to rise for the young by 55% within the next 7 years. Studies show that borrowers who come in with a lower down payment now might get a head start in building their homeownership equity. Let's talk today!

mpamag.com The "American Dream" could be on the verge of a rebound for some

realestate.com

First-Time Home Buyer Government Programs | RealEstate.com

There are quite a few ways in which the federal government or other agencies can help you afford a home, and state and local governments offer far more programs than we have room to recite. Let’s take a look!

realestate.com Buying your first home is certainly a challenge, financially. Luckily, there are first-time home buyer government programs that offer down payment assistance, grants and credits. Here’s how to find the best programs, offered by both government-sponsored enterprises and your state or local governme...

Referred to us by their close friends, our recent borrowers were upset about being denied by their previous lender two weeks before closing – costing them the house and their deposit. When we met, we learned that the other lender denied the couple for a VA loan due to eligibility requirements and a short employment history. What the lender didn’t seem to know was that there had been recent changes in eligibility limits, which allowed them to qualify. In addition, though the husband had retired from his job of 20 years, he had recently taken a new position with nearly all the same responsibilities. So his time with his new employer was short, but he showed a long history of employment in the same type of work. Overcoming that last hurdle, the couple moved forward with making an offer on a home they liked even more than the first one, and we closed their loan without a hitch.

Another lender denied a couple for a VA loan. What the lender didn’t seem to know was that there had been recent changes in eligibility limits, which allowed us to qualify them. The couple moved forward with making an offer on a home and we closed their loan without a hitch!

zillow.com

6 ways to build home equity and stay withing your budget

Here are six ways your home can create wealth for you. Some require time, money — or both. Let me help you decide what works best for you!

zillow.com Want to create wealth through homeownership? Build equity. Here's how to create home equity without blowing your budget — and how to get to your equity when you need it.

cnbc.com

Mortgage applications jump 5.1% as interest rates settle

Summer is here! Contact me today to discuss your home financing needs.

cnbc.com The gain in mortgage applications was driven by applications to refinance a home loan.

Happy Father's Day!

Wishing all our loving and caring Dads a wonderful Father's Day!

A disabled veteran and his wife were set to relocate to a new state after she landed a residency at a local hospital. They attempted to get pre-approved with another lender, but were told they needed to live in the state with her working for at least a month before applying. Worried they would have to move their family of six into a hotel while they waited, they came to us looking for a second opinion. We reviewed their file and found there would be no need to wait if the husband could qualify on his own for a VA loan. We crunched the numbers and were able to qualify him at an amount they were comfortable with. In the end, the couple closed on a home a week sooner than expected and had time to settle in with their family before the wife started her new job.

A veteran and his wife were relocating to a new state for a new job. We were able to qualify him at an amount they were comfortable with. The couple closed on a home a week sooner than expected and had time to settle in with their family before the wife started her new job!

cnbc.com

The 25 best places people are moving to in 2018

Places with the most growth might be attracting new residents thanks to a hot job market, affordable housing, a desirable location or some other factor. Check out this article to see if your hometown made the list!

cnbc.com US News & World Report compiled a list of the 25 best places people are moving to in 2018, based on net migration over a five-year period.

cnbc.com

3 debts you should watch as the Federal Reserve raises interest rates

As the Fed hints at more rate increases this year, certain types of debt could be impacted. Ask me about options if you have an adjustable rate mortgage!

cnbc.com The U.S. central bank could hike interest rates as many as four times this year. That should make you rethink what you owe on outstanding balances.

realtor.com

Reforming Lending Reform: 3 Things Home Buyers Should Know About the New Law

The new law opens up access to credit by loosening regulations on small & medium size banks. Since the new law doesn’t change the rules for the largest banks, it shouldn’t make the financial system much riskier than it is now. Here’s what you should know:

realtor.com A new law rolls back some of the lending restrictions enacted in response to the housing crash. Here are the most significant implications for home buyers.

cnbc.com

3 debts you should watch as the Federal Reserve raises interest rates

As the Fed hints at more rate increases this year, certain types of debt could be impacted. Ask me about options if you have an adjustable rate mortgage!

cnbc.com The U.S. central bank could hike interest rates as many as four times this year. That should make you rethink what you owe on outstanding balances.

Clients were shocked to find a complex wasn't eligible for VA lending the day offers were being reviewed. With hours to spare, they came to us for help. In just 90 minutes we pre-approved for a conventional loan, committed to closing in 21 days & submitted the winning offer!

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600 N Westshore BLVD Suite 304
Tampa, FL
33609

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