Home Loans with Bernie

When buying a home, many homeowners rush to purchase home insurance. It may be easy to accept a policy from a group offered by your real estate agent, but instead take the time to shop around and do your research. You may be able to save as much as 30 percent off your insurance premium by finding insurance yourself. #newhomeowner #homeownership #savingmoney #homeinsurance

Are you looking for some easy ways to gain more curb appeal? Your home's exterior is a resemblance of the interior, which makes the initial impression of your home important. Here are some simple ways to boost your curb appeal: http://bit.ly/WaysToBoostCurbAppeal... #HOMESTARblog #homeownership #curbappeal

Mortgage Servicer = The financial institution or entity that is responsible for collecting your mortgage loan payments. #mortgageterms #homeownership

Do you know if you are eligible to refinance your home? Read this blog about refinancing your home to discover what you can expect and how to begin the process. http://bit.ly/ReadyToRefinanceYourHome #HOMESTARblog #refinancing

Navigate the USDA loan guidelines during this uncertain time and determine your eligibility. Achieve the dream of homeownership! #usdaloans #homeownership #chooseHOMESTAR

A mortgage can feel like a lifelong contract, which is why it is important to reevaluate it regularly. There are a few signs you should look out for to know when it’s time to reevaluate your mortgage: http://bit.ly/ReevaluateMortgage #HOMESTARblog #reevaluateyourmortgage #homeownership

FHA loans are insured by the Federal Housing Administration, and they are loans that have been designed to help borrowers obtain the home of their dreams with easier qualification. Could this loan be right for you? Learn more: https://www.homestarfc.com/home-loans#fha-loans #fhaloan #homeownership #chooseHOMESTAR

Q: Are there any mortgage loan programs for buyers with little or no credit? A: Yes. You can look at our FHA program, where non-traditional credit can be used. Learn more about our FHA loans here: https://www.homestarfc.com/home-loans#fha-loans #homebuyerFAQ #chooseHOMESTAR #homeownership

Last closing of 2020 and what a motivational closing to ALL future homebuyers! Shoutout goes to Victor Cabrera & his family. Here is his story: Back in Dece...mber of 2018 I had the honor of helping him purchase his first home. A couple months ago he calls me and says I am ready For an upgrade. He sold his first home, made a substantial profit from the equity his home had accrued in the last 2 years, and used the same money to buy his NEW Home! This is just one reason why I love what I do and hope that I can help more families in 2021. You could be next let me know! #homeloansWithBernie See more

Do you know how much your home is worth? You may have a particular number in mind, but you will need to hire a professional appraiser to evaluate your property before you begin refinancing your home. In order to receive a precise and timely appraisal, you will want to provide the appraiser with the following information: - Survey of the house and property... - Deed or title report showing legal description - Latest real estate tax bill - Copy of the original plans and specifications - Date of purchase and the purchase price - List of recent improvements to the home #refinancing #chooseHOMESTAR

Q: What is the best way to buy a home with the least amount of money? A: The USDA home loan is an option for buyers on a strict budget. HOMESTAR’s USDA home loans have the following benefits: - No down payment required... - Closing costs payment can come from any source - Easy qualification - Lower upfront funding fee, along with a low monthly USDA fee #homebuyerFAQ #chooseHOMESTAR #homeownership #USDAloan

Application fee = The fee that a mortgage lender charges to apply for a mortgage. #mortgageterms #chooseHOMESTAR #homeownership

Tip #5 for Establishing Credit: You can establish credit by paying items off diligently, including student loans, auto loans, rent payments, and other payments. #establishingcredit #credittip

You’ve dreamed about owning your own home and have decided you’re ready to take the first stepapplying for a mortgage loan. Before you begin your journey to homeownership, it’s a good idea to understand ahead of time what all you will need in order to qualify. By doing so, you will save a lot of time and heartache, ensuring a smooth mortgage process from start to finish and, ultimately, purchasing your dream home. Here’s what you need to know about qualifying for a mortgage loan: http://bit.ly/HowDoIQualifyForAMortgageLoan #HOMESTARblog #homeownership #mortgageloan #qualifyforamortgage

Do you need ideas for some educational resources for adults and youth while at home? Check these out: - Scholastic is offering families a "Learn at Home" hub full of fun, educational activities. - If local libraries are still closed or have limited hours, make the switch to borrowing ebooks! Borrow books using the Libby app or CloudLibrary. - Take a virtual field trip to places around the world on the Discovery Channel's website. ... - Tune into the Georgia Aquarium's daily livestream to see penguins, sharks, and more! - The San Diego Zoo is featuring their animals on live cams every day. - PBS Kids' website hosts interactive games. - Harvard and other Ivy League schools are offering hundreds of free online courses. #HOMESTARCares #togetherathome #educationalfun

Tip #4 for Establishing Credit: Ask a trusted family member or friend with established credit to open a joint credit card account or add you as an authorized user to their existing credit card. Remember, they’ll be responsible for repaying any money you spend if you do not pay it. If this happens and causes a missed payment, it can hurt both of your credit scores. #establishingcredit #credittip

The option of a USDA loan could be the perfect fit for you! Facts about USDA loans: - No down payment required - Easy qualification... - Not limited to first-time homebuyers - Repair escrow available - Available for purchase or refinance #chooseHOMESTAR #usdaloans #mortgageloans #homeownership

Tip #3 for Establishing Credit: A co-signer with good credit can help you qualify or acquire better credit terms. If you choose this route, the co-signer will take responsibility for payments. Therefore, the credit history will be reflected on both of your reports. #establishingcredit #credittip

Do your young children keep coming to you telling you how bored they are? Keep them busy and their mind working with sensory bins! Sensory bins are cheap and easy to make! Sensory play is an activity that stimulates the senses and helps children at many of their developmental stages. These bins can have rice, beans, birdseed, and more. Most of the items can be found right in your home! Check out this list of sensory bin basics from Busy Toddler: https://busytoddler.com/2016/0...4/sensory-bin-basics/ #activitiesforkids #sensorybins #funathome #busytoddler

Understanding your credit score is a smart idea for many reasons, especially as you think about purchasing a home. Qualifying for a home loan is greatly influenced by your credit score, and knowing how good or bad your credit score is an important first step down the path to homeownership. Here are 12 credit secrets you need to know: http://bit.ly/12CreditSecretsYouNeedToKnow #HOMESTARBlog #creditsecrets #homeownership #chooseHOMESTAR #credittips

According to Freddie Mac, mortgage rates remain at near historic lows. This gives homebuyers more purchasing power and strengthens demand. They expect home sales to continue to remain strong going forward as rates remain low. Learn more: http://www.freddiemac.com/pmms/ #mortgagenews #chooseHOMESTAR #homeownership #mortgagerates

Tip #2 for Establishing Credit: Entry-level credit cards do not require a long credit history for approval. There are various types to consider, including secured credit cards, student credit cards, and store credit cards. #establishingcredit #credittip