If you have just graduated OR have started a new job... then you may be wondering if you can still buy a home and obtain a mortgage. In short, usually yes. You may be able to get a mortgage if you’ve just started a new job, even with a short history. But your ability to do so will depend on a number of factors. It's important to know that when you apply for a mortgage, the lender wants to know that you can and will repay your new home loan. This is why mortgage companies check your credit history and income. Your credit rating represents your willingness to repay while your income shows your ability to repay. Mortgage lenders understand that someone without a two-year job history might still be perfectly willing and able to repay a mortgage. This may be because you just graduated or were in between jobs, etc. So if this is you or you have a friend or family member who may be thinking they can't buy a home because of their job history, then please send them this post and have them contact us. #jobhistory #homeownershipgoals #homebuying #firsttimehom buyer #newjob #DaveCook #denvermortgagelounge #DaveCookMortgage
Like most lender questions, the answer can often be, "It depends." Generally, this can be referred to as "boarder income," which is rent received from someone living with you in your primary residence. Now, in a perfect world, this would be a conversation as we need to know more about the home purchase as for most situations... this type of income doesn't usually count. BUT THERE IS AN EXCEPTION & 1 SOLUTION: The main exception is for disabled borrowers who receive rent from a live-in personal caretaker or assistant. In this situation, the full rental income can be applied when qualifying for primary and second residence loans. POSSIBLE SOLUTION: Borrowers applying for HomeReady or Home Possible mortgages can use rental income from a roommate if the boarder meets the following: Is not party to the loan and will have no ownership interest in the home Has lived with the borrower for at least 12 months Has proof of residing at the borrower’s address, such as a driver’s license, utility bill, or bank statement Has paid rent, with evidence of payment, for at least nine of the past 12 months If and doubt, just call us. This is what we help you solve and have years of experience when creatively finding home financing solutions. #rentalincome #roomate #homebuying #DaveCook #denvermortgagelounge #DaveCookMortgage
If you have started your research around the steps to buying a home, then you have probably come across these three words which are often confused at times...🏡 Appraisal Survey Inspection Understanding the vocabulary is key once you start making offers! Save this post to refer back to their key differences. 👉 Whether you're a first-time buyer or looking to invest, knowing these differences can save you time and money. Let’s make your dream home a reality! #HomeBuying101 #RealEstateTips #PropertyInsights #FirstTimeHomeBuyer #HomeInvestment #DaveCook #denvermortgagelounge #DaveCookMortgage
From our family to yours, we wish all the incredible mothers a weekend full of love and relaxation. Your strength builds more than homes—it builds futures. Happy Mother's Day! #MothersDay #HomeSweetHome #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
Dreaming of owning your own home but struggling to save for that down payment? Let's talk about small changes that can lead to big savings! 👛 Cut the Impulse Buys - You might be surprised how much you can save by avoiding those spur-of-the-moment purchases, unused subscriptions, and late fees. Every dollar counts! ☕🍴 Rethink Your Routine - That daily gourmet coffee or dining out can really add up. Try limiting these treats and watch your savings grow! 🎰 Skip the Gamble - While it's fun to imagine winning big, the reality is that most of us won't hit the jackpot. Instead, put that money into your home savings fund where it's sure to be a win! If you're ready to make smart choices and work towards owning a home, we are here to help you every step of the way. 📲 Message me and let’s turn your dream into a reality! #HomeOwnershipJourney #SmartSavings #NoMoreRent #DownPaymentGoals #MortgageAdvisor #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡Why buy instead of rent in 2024? Here are two BIG reasons: 1️⃣ Appreciation Advantage - Unlike rent, your home can increase in value over time. This means more equity and wealth for you in the long run! 📈 2️⃣ Stable Payments - Fed up with rent hikes every year? With a fixed-rate mortgage, your payments remain constant. Say goodbye to unexpected rent increases and hello to budget stability! 🚫💸 If you're tired of seeing your rent go up and want to explore the many benefits of homeownership, let's chat! We are here to help you navigate your options and find a place you can truly call home. 🗝️🏡 #HomeBuying2024 #RealEstateInvestment #StopRentingStartOwning #MortgageTips #HomeownerGoals #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡Why buy instead of rent in 2024? Here are two BIG reasons: 1️⃣ Appreciation Advantage - Unlike rent, your home can increase in value over time. This means more equity and wealth for you in the long run! 📈 2️⃣ Stable Payments - Fed up with rent hikes every year? With a fixed-rate mortgage, your payments remain constant. Say goodbye to unexpected rent increases and hello to budget stability! 🚫💸 If you're tired of seeing your rent go up and want to explore the many benefits of homeownership, let's chat! We are here to help you navigate your options and find a place you can truly call home. 🗝️🏡 #HomeBuying2024 #RealEstateInvestment #StopRentingStartOwning #MortgageTips #HomeownerGoals #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡Why buy instead of rent in 2024? Here are two BIG reasons: 1️⃣ Appreciation Advantage - Unlike rent, your home can increase in value over time. This means more equity and wealth for you in the long run! 📈 2️⃣ Stable Payments - Fed up with rent hikes every year? With a fixed-rate mortgage, your payments remain constant. Say goodbye to unexpected rent increases and hello to budget stability! 🚫💸 If you're tired of seeing your rent go up and want to explore the many benefits of homeownership, let's chat! We are here to help you navigate your options and find a place you can truly call home. 🗝️🏡 #HomeBuying2024 #RealEstateInvestment #StopRentingStartOwning #MortgageTips #HomeownerGoals #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡Why buy instead of rent in 2024? Here are two BIG reasons: 1️⃣ Appreciation Advantage - Unlike rent, your home can increase in value over time. This means more equity and wealth for you in the long run! 📈 2️⃣ Stable Payments - Fed up with rent hikes every year? With a fixed-rate mortgage, your payments remain constant. Say goodbye to unexpected rent increases and hello to budget stability! 🚫💸 If you're tired of seeing your rent go up and want to explore the many benefits of homeownership, let's chat! We are here to help you navigate your options and find a place you can truly call home. 🗝️🏡 #HomeBuying2024 #RealEstateInvestment #StopRentingStartOwning #MortgageTips #HomeownerGoals #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡Why buy instead of rent in 2024? Here are two BIG reasons: 1️⃣ Appreciation Advantage - Unlike rent, your home can increase in value over time. This means more equity and wealth for you in the long run! 📈 2️⃣ Stable Payments - Fed up with rent hikes every year? With a fixed-rate mortgage, your payments remain constant. Say goodbye to unexpected rent increases and hello to budget stability! 🚫💸 If you're tired of seeing your rent go up and want to explore the many benefits of homeownership, let's chat! We are here to help you navigate your options and find a place you can truly call home. 🗝️🏡 #HomeBuying2024 #RealEstateInvestment #StopRentingStartOwning #MortgageTips #HomeownerGoals #DaveCook #denvermortgagelounge #DaveCookMortgage
Thinking about building a new home? 🏗️🏠 Deciding to buy new construction is a big step, and it comes with its own set of pros and cons. From custom design choices to modern amenities, it's important to weigh all aspects to see if it fits your lifestyle and budget. Want to know more? Reach out today, and let’s chat about your dream home! #NewConstruction #HomeBuilding #RealEstateAdvice #DreamHome #DaveCook #denvermortgagelounge #DaveCookMortgage
Building generational wealth isn't just a dream—it's a strategy. 🏠 With the right team of advisors, planning, discipline, and long-term outlook, you can create a legacy that benefits your family for generations. Investing in properties that appreciate over time can help you get there faster. Ready to take the first step? Let’s start by putting a plan together based on when you would like to retire. #GenerationalWealth #RealEstateInvesting #FamilyLegacy #HomeBuyerTips #DaveCook #denvermortgagelounge #DaveCookMortgage
🌷 Happy May Day, homeowners! As we welcome a new month, it's the perfect time to give your home some TLC. Keeping your home in tip-top shape not only makes it a more enjoyable place to live but also boosts its value. 🏠Here’s your May Home Maintenance Checklist: ✔️ Inspect patios & pathways for cracks ✔️ Check and repair fences ✔️ Kickstart your pre-summer lawn maintenance ✔️ Oil garage door tracks ✔️ Replace HVAC filters ✔️ Clean window screens Let’s keep our homes beautiful and functional, setting the stage for a wonderful summer ahead! Need more tips or assistance? We are just a message away. 📲 #HomeMaintenance #HomeValue #PropertyCare #DaveCook #denvermortgagelounge #DaveCookMortgage
Feeling cramped and realizing you've outgrown your home? As mortgage strategists, we understand that deciding what's next can feel overwhelming. Here are some options to consider: Keep as a Rental: With likely low-interest rates on your current mortgage, turning your home into a rental could be a smart move. It's a powerful way to generate monthly cash flow and expand your wealth portfolio. Sell and Upgrade: Ready for something new? Selling your existing home could free up capital to buy a bigger and better one, perfectly matching your evolving needs. Equity to Build: Consider using the equity in your current home to fund the purchase of land, setting the stage to build your dream home when you’re ready. Each path offers unique advantages, whether you’re looking to increase your living space or invest in your financial future. Let’s discuss the best strategy for your goals! #HomeGrowth #RealEstateInvestment #MortgageStrategies #DaveCook #denvermortgagelounge #DaveCookMortgage
After reviewing this data... What do you feel could happen once interest rates come down? Will it be easier or harder to buy the same home available today? Why? #homebuying #creatingconfidenthomebuyers #empoweringhomebuyers #competentandconfident #clarityispower #mortgage #mortgageprofessional #homeloan #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡 Dreaming of your first home but worried about the down payment? Don't worry... you are not alone! Here are just a few good options outside of down payment assistance that could help with the lower down payment requirements. Whether it's the flexibility of the Home Possible Mortgage, the simplicity of the 3% Down Conventional Loan, or the support of the HomeReady Loan program, there's an option tailored just for you. Don’t let a hefty down payment hold you back. Let's chat about how you can step into your new home with just a small down payment! 🗝️💼 #FirstTimeHomeBuyer #HomeOwnership #LowDownPayment #MortgageCoach #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨 REALTORs 🚨 [SAVE] this basic home loan cheat sheet while you are out in the field as an easy tool to reference! What else could you use at your fingertips to help while out showing clients? #lenderpartner #upgradeyourlender #mortgageprofessional #businesspartner #notavendor #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨 REALTORs 🚨 [SAVE] this basic home loan cheat sheet while you are out in the field as an easy tool to reference! What else could you use at your fingertips to help while out showing clients? #lenderpartner #upgradeyourlender #mortgageprofessional #businesspartner #notavendor #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨 REALTORs 🚨 [SAVE] this basic home loan cheat sheet while you are out in the field as an easy tool to reference! What else could you use at your fingertips to help while out showing clients? #lenderpartner #upgradeyourlender #mortgageprofessional #businesspartner #notavendor #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨 REALTORs 🚨 [SAVE] this basic home loan cheat sheet while you are out in the field as an easy tool to reference! What else could you use at your fingertips to help while out showing clients? #lenderpartner #upgradeyourlender #mortgageprofessional #businesspartner #notavendor #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨 REALTORs 🚨 [SAVE] this basic home loan cheat sheet while you are out in the field as an easy tool to reference! What else could you use at your fingertips to help while out showing clients? #lenderpartner #upgradeyourlender #mortgageprofessional #businesspartner #notavendor #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
These are just a few offer strategies that have worked with other clients... yet you will want to lean on your agent's expertise as they will find out what the seller values most to better craft a winning offer based on what matters most to YOU and THEM! Just don't forget that the ultimate trump card that could kill any offer is the lender at the bottom or the pre-approval letter as their reputation could win or lose even the strongest of offers. PS - We have a great reputation... and are ready to help you! #offerstrategies #mortgageprofessional #realestateadvice #homebuyingtips #housingmarket #DaveCook #denvermortgagelounge #DaveCookMortgage
Big thanks to Sierra for this glowing 5 star review! 🌟 We are thrilled to hear that our services have been helpful to you. 🏡 If you or anyone you know needs mortgage assistance, please don't hesitate to reach out. We are always here to lend a helping hand. #DaveCook #denvermortgagelounge #DaveCookMortgage #Grateful #CustomerSatisfaction #MortgageExperts
Don't let the size of your down payment hold you back from owning a home! Both big and small down payments come with benefits. With a smaller down payment, you can free up cash for other expenses and investments, while still building equity in your home. And with a bigger down payment, you can reduce your monthly payments and save on interest over the life of your loan. One thing is for sure – no matter the size of your down payment, with the right agent and loan officer on your side, homeownership is well within reach! #downpayments #homeownership #smalldownpayments #mortgage #bigdownpayments #homebuyingtips #DaveCook #denvermortgagelounge #DaveCookMortgage
How long did you rent before you bought your first home? Did you have any regrets about transitioning from the rent life to homeownership? #rentlifeproblems #rentvsown #homebuyer #realestate #mortgage #loanofficer #renting #DaveCook #denvermortgagelounge #DaveCookMortgage
The National Association of Home Builders (NAHB) broke down the costs for a new single-family home (in 2022 with an average sales price of $644,750) including costs for construction, the finished lot, financing, overhead and general expenses, marketing, sales commission, and profit. Total construction costs for the “average” single-family home included in the survey were $392,241. Today's pie chart is a representation of the eight major stages of construction which are made up of 36 total subcategories. Of the 36 subcategories, framing, including the home’s roof, accounts for the biggest chunk at 15.5% of the total construction costs. It’s followed by “excavation, foundation, concrete, retaining walls, and backfill” at 10.1%. Now, if this was in 2022... imagine what this may look like by 2025? The cost of waiting to buy a home for just a few years will cost you more than today's interest rates! Curious how? Just DM us and we will be happy to show you the actual numbers! #homebuying #newconstruction #costofwaiting #newhome #homeownershipgoals #mortgage #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠 Are you thinking about purchasing a home but feeling uncertain about how much the closing costs will cost you? Don't worry, you're not alone! Closing costs can range from 2-5% of your loan amount, depending on various factors. Did you manage to answer the question correctly? 🤔 Understanding these costs upfront can help you better plan for your home purchase. 💡 It's never too early to start exploring your options and understanding the process. Ready to start your journey to owning your dream home? Let's talk! #closingcosts #homeownership #dreamhome #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠 Are you thinking about purchasing a home but feeling uncertain about how much the closing costs will cost you? Don't worry, you're not alone! Closing costs can range from 2-5% of your loan amount, depending on various factors. Did you manage to answer the question correctly? 🤔 Understanding these costs upfront can help you better plan for your home purchase. 💡 It's never too early to start exploring your options and understanding the process. Ready to start your journey to owning your dream home? Let's talk! #closingcosts #homeownership #dreamhome #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠 Are you thinking about purchasing a home but feeling uncertain about how much the closing costs will cost you? Don't worry, you're not alone! Closing costs can range from 2-5% of your loan amount, depending on various factors. Did you manage to answer the question correctly? 🤔 Understanding these costs upfront can help you better plan for your home purchase. 💡 It's never too early to start exploring your options and understanding the process. Ready to start your journey to owning your dream home? Let's talk! #closingcosts #homeownership #dreamhome #DaveCook #denvermortgagelounge #DaveCookMortgage
Embarking on a new chapter after divorce can be challenging, but finding the perfect home to start fresh doesn't have to be. Trust that my team will lead with compassion while guiding and supporting you through this transitional phase. Let's work together to make your new beginning a positive experience. 🏠💔➡️💖 #DivorceSupport #NewBeginnings #MortgagePro #PostDivorceHome #LoanOfficer #Mortgage #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠🔍 What information do you need to better understand in order to feel safer and more confident with starting the homebuying process? I'm genuinely curious about what is holding you back... (not to sell you anything, but to learn from your lens). Will you DM me your thoughts? Thank you! #mortgagemonday #mortgagetips #mortgages #mortgageloans #mortgageadvice #mortgagepro #firsttimehomebuyers #buyingahome #homebuyingtips #homebuyertips #homebuying101 #homeloans #realestatetipsandadvice #loanofficer #lender #mortgageloanofficer #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠🔍 What information do you need to better understand in order to feel safer and more confident with starting the homebuying process? I'm genuinely curious about what is holding you back... (not to sell you anything, but to learn from your lens). Will you DM me your thoughts? Thank you! #mortgagemonday #mortgagetips #mortgages #mortgageloans #mortgageadvice #mortgagepro #firsttimehomebuyers #buyingahome #homebuyingtips #homebuyertips #homebuying101 #homeloans #realestatetipsandadvice #loanofficer #lender #mortgageloanofficer #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠🔍 What information do you need to better understand in order to feel safer and more confident with starting the homebuying process? I'm genuinely curious about what is holding you back... (not to sell you anything, but to learn from your lens). Will you DM me your thoughts? Thank you! #mortgagemonday #mortgagetips #mortgages #mortgageloans #mortgageadvice #mortgagepro #firsttimehomebuyers #buyingahome #homebuyingtips #homebuyertips #homebuying101 #homeloans #realestatetipsandadvice #loanofficer #lender #mortgageloanofficer #DaveCook #denvermortgagelounge #DaveCookMortgage
Starting a new job and moving to a new city can be overwhelming. Let us take the stress out of finding the perfect home for your fresh start! 🏠✈️🌍 Just shoot us a DM if you want an expert to guide you through the process!! #JobRelocation #MortgagePro #NewHomeSearch #StressFreeMove #DaveCook #denvermortgagelounge #DaveCookMortgage
Parents, we've all been there! 😄 When your child is ready to take that big step into homeownership, we're here to make the mortgage process smooth and stress-free. 🏠🔑 #HomeBuyingJourney #FirstTimeHomeBuyer #MortgageExpert #HomeLoanHelp #DaveCook #denvermortgagelounge #DaveCookMortgage
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🏠 Curious about buying a house, but worry you don't have enough saved for the downpayment? 🤔 With a conventional loan, the typical lowest down payment percentage is around 3%. 💰 Did you get today's question correct? That means you might only need to pay 3-5% of the home's price upfront. 🎉 PS - it's never too early to start the planning process and starts with just an easy conversation. Have a great weekend! #HomeBuying #ConventionalLoan #DownPayment #HomeOwnership #RealEstateTips 🏡 #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠 Curious about buying a house, but worry you don't have enough saved for the downpayment? 🤔 With a conventional loan, the typical lowest down payment percentage is around 3%. 💰 Did you get today's question correct? That means you might only need to pay 3-5% of the home's price upfront. 🎉 PS - it's never too early to start the planning process and starts with just an easy conversation. Have a great weekend! #HomeBuying #ConventionalLoan #DownPayment #HomeOwnership #RealEstateTips 🏡 #DaveCook #denvermortgagelounge #DaveCookMortgage
🏠 Curious about buying a house, but worry you don't have enough saved for the downpayment? 🤔 With a conventional loan, the typical lowest down payment percentage is around 3%. 💰 Did you get today's question correct? That means you might only need to pay 3-5% of the home's price upfront. 🎉 PS - it's never too early to start the planning process and starts with just an easy conversation. Have a great weekend! #HomeBuying #ConventionalLoan #DownPayment #HomeOwnership #RealEstateTips 🏡 #DaveCook #denvermortgagelounge #DaveCookMortgage
Wow Tasha, you just made my day! 😊 I absolutely loved helping you and Sam buy your first home, truly it was an honor!! You both were amazing to work with and I am so excited for you guys and this next chapter of your lives! #FirstTimeHomeBuyers #ClientFeedback #DaveCook #denvermortgagelounge #DaveCookMortgage
Here are 5 essential questions to consider when touring potential homes: 🏡 How long has the home been on the market? 🛠️ What is the age and condition of crucial components like the roof, electrical, plumbing, and HVAC? 💰 Are there any current offers on the property? 🧳 What appliances or fixtures are included with the home, such as washer and dryer? 💼 Are there any homeowner’s association fees to be aware of? Got a home in mind? Drop me a message today! 💬 #homebuying #househunting #mortgage #buyingahome #realestate #homesforsale #homebuyerhelp #hometours #DaveCook #denvermortgagelounge #DaveCookMortgage
📊 Maximizing Affordability: Unveiling Seller Concessions 🏠 Unlock the key to purchasing your dream home by understanding the limits on seller concessions. 💰 Curious how to structure this both with the bank as well as your contract?🗝️ This is where we can help! Shoot us a DM to discuss your current situation in more detail (while remaining private). #affordablehomes #mortgage #sellerconcessions #loanprograms #fha #usda #conventional #preapproval #realestate #homebuying #DaveCook #denvermortgagelounge #DaveCookMortgage
🏡🌼 April Home Maintenance Checklist! 🌼🏡 Don't just buy a home, invest in its upkeep! Here's your April checklist to keep your home running smoothly. Don't forget to [save] or [share] this post to help others stay on top of their honey-do lists too! #HomeMaintenance #InvestInYourHome #NotYourAverageLender 💼 #DaveCook #denvermortgagelounge #DaveCookMortgage
As Easter approaches, let's celebrate the traditions that bring us together! 🌼 What's your favorite Easter tradition? Whether it's dyeing eggs, a special family meal, or a cherished community event, share with us in the comments below! Let's connect and spread positivity this holiday season! 🌟 #EasterTraditions #ProfessionalCommunity #DaveCook #denvermortgagelounge #DaveCookMortgage
Curious about mortgage interest rates? They're essentially the price you pay for borrowing money from a lender to buy a home. Just like with any loan, the lender charges interest as compensation for lending you the funds. You may be wondering why they change so often or why they are higher right now... Allow us to dive deeper: Mortgage interest rates can fluctuate based on various factors, much like how prices change in a market. One key influencer is the overall economic conditions. When the economy is thriving, with low unemployment and strong growth, lenders may raise rates to account for increased demand for borrowing. Conversely, during economic downturns, rates may drop to stimulate borrowing and spending. Central banks also play a significant role. They set the benchmark interest rate, which influences the rates at which banks lend to each other. Changes in this rate can ripple through the entire financial system, impacting mortgage rates. Inflation is also a crucial factor. Lenders aim to maintain their purchasing power over time. So, when inflation rises, they may hike rates to offset the loss in value of the money they'll receive in the future. Last, a borrower's financial profile matters. Factors like credit score, down payment amount, and debt-to-income ratio can affect the interest rate offered. Those with stronger financial backgrounds typically qualify for lower rates, as they're deemed less risky to lenders. Understanding these dynamics can help borrowers anticipate and navigate changes in mortgage rates effectively, enabling them to secure the best possible terms for their home loans. #InterestRateFactors #EconomicImpact #FinancialLiteracy #Mortgage101 #InterestRates #HomeOwnership #DaveCook #denvermortgagelounge #DaveCookMortgage
#grahamparker #dennymcdermott #joeldiamond #stevegorn #davecook #1995 #pubrock #newwavemusic #folkrock 'Haunted Episodes' グラハムパーカーの95年、ニューヨーク録音作。 アコースティックでフォーキーな楽曲が多いので、何処かボブディラン感漂うアルバム。
Always the best intentions... until that moment you get home... Anyone else? HAHA :) Have a great Tuesday! #homesweethome #home #funnyTuesday #reallife #living #DaveCook #denvermortgagelounge #DaveCookMortgage
In 2022, Americans crossed the "rent burdened" threshold — meaning the share of a typical household income needed to rent an average-price apartment went above 30%, per Moody's. (See chart in post) Last year, as income growth picked up and rent increases slowed, things improved — but only a smidge, leaving renters still burdened. On the flip side: Homeowners were in a different boat. The value of their homes soared, while their monthly mortgage payments mostly did not. Renters are among the most likely to describe their current financial situation as poor, while homeowners have a rosier take, according to the Axios Vibes survey by The Harris Poll. If you are feeling stuck in the rent trap (or some you know is) then share this post with them and let’s chat! 💬 We have options!! #RentTrap #Renting #Homeownership #HomeGoals #HomeOwnershipGoals #OwnYourFuture #Mortgage #DaveCook #denvermortgagelounge #DaveCookMortgage
It’s Friday and you know what that means… time to test your Home IQ! Ask your co-worker or friend this same question and see if they get it right (most don’t). Anyone planning to attend some open houses this weekend? 🏡 #HomeIQ #FinancialFriday #FinancialLiteracy #MultiUnit #DaveCook #denvermortgagelounge #DaveCookMortgage
It’s Friday and you know what that means… time to test your Home IQ! Ask your co-worker or friend this same question and see if they get it right (most don’t). Anyone planning to attend some open houses this weekend? 🏡 #HomeIQ #FinancialFriday #FinancialLiteracy #MultiUnit #DaveCook #denvermortgagelounge #DaveCookMortgage
It’s Friday and you know what that means… time to test your Home IQ! Ask your co-worker or friend this same question and see if they get it right (most don’t). Anyone planning to attend some open houses this weekend? 🏡 #HomeIQ #FinancialFriday #FinancialLiteracy #MultiUnit #DaveCook #denvermortgagelounge #DaveCookMortgage
Thank you so much, Lee, for this amazing review! Your continued trust in us means everything and we couldn't be happier that you love your new home. Please reach out to me for whatever you guys need. #grateful #customerappreciation #happyclients #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨GOOD NEWS FOR HOMEBUYERS AHEAD? 🚨 President Biden's proposals would provide middle-class, first-time home buyers with a $10,000 tax credit ($5,000 per year for two years starting the year you buy the home) that would have the same effect as lowering a buyer's mortgage rate by more than 1.5 percentage points for two years on the median home, according to the White House. Biden will also call on Congress to provide a one-year credit of up to $10,000 for families who sell their starter homes, so long as their houses are below the median price in their county. Please share this post with someone you know who is currently renting or thinking about selling their starter home! Follow for more mortgage and real estate advice. #HomebuyerNews #FirstTimeHomeBuyers #PresidentBidenProposal #Homebuyers #Mortgage #RealEstate #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨GOOD NEWS FOR HOMEBUYERS AHEAD? 🚨 President Biden's proposals would provide middle-class, first-time home buyers with a $10,000 tax credit ($5,000 per year for two years starting the year you buy the home) that would have the same effect as lowering a buyer's mortgage rate by more than 1.5 percentage points for two years on the median home, according to the White House. Biden will also call on Congress to provide a one-year credit of up to $10,000 for families who sell their starter homes, so long as their houses are below the median price in their county. Please share this post with someone you know who is currently renting or thinking about selling their starter home! Follow for more mortgage and real estate advice. #HomebuyerNews #FirstTimeHomeBuyers #PresidentBidenProposal #Homebuyers #Mortgage #RealEstate #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨GOOD NEWS FOR HOMEBUYERS AHEAD? 🚨 President Biden's proposals would provide middle-class, first-time home buyers with a $10,000 tax credit ($5,000 per year for two years starting the year you buy the home) that would have the same effect as lowering a buyer's mortgage rate by more than 1.5 percentage points for two years on the median home, according to the White House. Biden will also call on Congress to provide a one-year credit of up to $10,000 for families who sell their starter homes, so long as their houses are below the median price in their county. Please share this post with someone you know who is currently renting or thinking about selling their starter home! Follow for more mortgage and real estate advice. #HomebuyerNews #FirstTimeHomeBuyers #PresidentBidenProposal #Homebuyers #Mortgage #RealEstate #DaveCook #denvermortgagelounge #DaveCookMortgage
🚨GOOD NEWS FOR HOMEBUYERS AHEAD? 🚨 President Biden's proposals would provide middle-class, first-time home buyers with a $10,000 tax credit ($5,000 per year for two years starting the year you buy the home) that would have the same effect as lowering a buyer's mortgage rate by more than 1.5 percentage points for two years on the median home, according to the White House. Biden will also call on Congress to provide a one-year credit of up to $10,000 for families who sell their starter homes, so long as their houses are below the median price in their county. Please share this post with someone you know who is currently renting or thinking about selling their starter home! Follow for more mortgage and real estate advice. #HomebuyerNews #FirstTimeHomeBuyers #PresidentBidenProposal #Homebuyers #Mortgage #RealEstate #DaveCook #denvermortgagelounge #DaveCookMortgage
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