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Verified by Vellum, Your Client’s First Step
Verified by Vellum, Your Client’s First Step 1024 536 jaycurley

A fully underwritten Verified Pre-Approval by Vellum streamlines the homebuying process and allows your clients to shop with confidence. We are excited to share in the homebuying experience. Gain Confidence & Feel Secure Be able to submit an offer with confidence knowing it provides proof…

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Happy Veterans Day
Happy Veterans Day. Thank You for Your Service.
Happy Veterans Day. Thank You for Your Service. 1024 536 jaycurley

$500.00 Lender Credit for Veterans1 You served our country. Now it’s time for us to serve you. We are proud to offer a $500.00 lender credit at settlement to any qualified Veteran, active duty U.S. Military member, Reservists and National Guard member who locks a…

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Pre-Qualification vs. Pre-Approval
Pre-Qualification vs. Pre-Approval 1024 536 jaycurley

  Two often confused terms in the home buying process are a mortgage loan pre-qualification and a home loan pre-approval. Here’s what you really need to know about each one. Pre-Qualification A mortgage pre-qualification is simply an estimate of how much home you can afford…

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101% Financing, No Mortgage Insurance
101% Financing, No Mortgage Insurance 1024 536 jaycurley

101% Yours. Owning a home is the American Dream! Whether you are a first-time buyer or moving up, we’ve made it easier than ever to get into a new home…even helping with closing costs. We are able to finance 101% of your sales price, meaning…

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Home Equity: What It Is and Why It Matters
Home Equity: What It Is and Why It Matters 1024 536 jaycurley

It is often said that homeownership builds wealth. So, what is home equity, and how can it enhance your net worth? What is home equity? Home equity is the current market value of your home, minus what you owe. You’re looking for a positive number.…

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What is mortgage insurance and how does it work?
What is mortgage insurance and how does it work? 1024 536 jaycurley

Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.  Typically, borrowers making a down payment of less than 20 percent of the purchase price…

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Should You Refinance to a Shorter-Term Loan?
Should You Refinance to a Shorter-Term Loan? 1024 683 jaycurley

New homebuyers often choose to take out longer term mortgages such as a 30 year term mortgage on their new homes due to the security and peace of mind that a consistent monthly mortgage payment provides. However, a 30 year term can be really long…

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What is mortgage insurance and how does it work?
What is mortgage insurance and how does it work? 1024 536 jaycurley

Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.  Typically, borrowers making a down payment of less than 20 percent of the purchase price…

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5 Reasons to Buy a Home This Fall
5 Reasons to Buy a Home This Fall 1024 683 jaycurley

Real estate markets ebb and flow just like the seasons. The spring market starts hopping when the sun comes out, flowers bloom and winter is over. Conversely, fall signals the beginning of a slower market, which could be good for buyers. If you’re in the…

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How a 20-year home mortgage can save you money
How a 20-year home mortgage can save you money 1024 536 jaycurley

The 30-year fixed-rate home mortgage dominates the housing market, particularly for first-time buyers who appreciate the ability to extend their home loan payments for the longest possible term. The second most common fixed-rate loan term is 15 years, but many lenders also offer loan terms…

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