Smartfinn Advisors’ Post

Are you: A) Struggling with your deposit, B) Paying way too much for rent, or C) Sick of children stuck at home? A guarantor loan might be your solution! 🏡 Check out if you qualify and learn how a little help can make a big difference. . . . . . #HomeBuyingTips #GuarantorHelp #FirstHomeJourney #FirstHomeGuarantee #HomeOwnership #PropertyMarket #RealEstate #FirstTimeBuyer #Finance #Mortgage #Money #FinancialLiteracy #RomeshAtinovayt #FinanceTips #FinancialMarkets #FinanceGoals #Success #Wealth #MoneyTips #Broker #PersonalFinance #FinancialFreedom #MortgageBroker #FirstTimeHomeBuyer #Refinance #HomeLoans *All rates, fees, charges and criteria are indicative and subject to change* (📷: @romeshatinovayt)

Expert Desk with Jonathan Streater What is a guarantor? "A guarantor is a person who provides a legally binding promise to pay off a mortgage if the principal borrower fails to do so. Though not always, guarantors are often parents who are in a much better financial position than their child who is applying for the loan and needs to leverage their parent's property as 'security' to help fund a loan. Lenders may regard borrowers as less risky when they have a guarantor – and may charge lower interest rates or even approve mortgages they would have otherwise declined. If however a borrower falls behind on their repayments, the lender might pursue the guarantor for payment. In some circumstances, this could include seizing and selling the guarantor’s property to recoup their money." #JEMFinanceGroup #expertdesk

I don’t just offer loans. I offer SPUD-tacular service. I received an application this morning for an investment property. After reviewing the application, I identified alternative routes that I believed would better serve the buyer's goals. After consultation, we landed on one that saved him $12,000 + gave him a credit of $2,200 towards closing costs. The difference between a paper pusher and working with LenderWithABrain.com <3 How can I help YOU save money on your next mortgage? #mortgagelender #realestate #investmentproperty #lenderwithabrain

Hey man, can I borrow $5,000? I’ll pay you back in a few months. Things are a little tight right now." That’s a scary ask. A friend is turning to you for a significant amount of money, without being clear about when or how they’ll pay it back. Why would you feel compelled to help? Because you love them? No. That’s not love. In fact, lending money under these circumstances is more likely to damage your relationship than strengthen it. However, if you’re specific about why you need the money, why you don’t have it now, how you’ll repay it, and your exact deadline (with clear evidence of a substantial near-future income), your chances of getting help improve dramatically. When a bank denies your business a loan or mortgage, it’s not the end. You just need to get your ducks in a row and seek help from others who can assist. As long as you present solid information proving your trustworthiness, private lenders are willing to help, without saddling you with unfair interest rates. Where do you find these lenders? That’s where I come in.

A HELOC, or home equity line of credit, allows you to borrow money against your home equity. Here are a few key things to know before considering one. Call me- we can review options together or apply on my link in the portal. #randimillsmortgage #texashomeloans #coloradohomeloans

Mortgage Tip of the Week: To mitigate loan denial, avoid making major financial changes after receiving your pre-approval letter and before your closing date. Financial checks are routine for lenders, and certain changes may affect you. #JonSidwell #HomeLoans

Unlock the power of bank statement loans for self-employed borrowers. Learn how to qualify for your dream home, even with variable income, with our Bank Statement Loan Program. #loansbyann #locallender #mortgages #fitzdiff #realestate #homebuying #homeownership #selfemployed

When your credit cards are MAXED-OUT, it increases your credit utilization ratio, which can LOWER your credit score! 📉 Try to keep your credit utilization below 30% of your available credit. If you don't make changes you could suffer major consequences. (Other examples of what could happen ⬇️).. ❌️ Your credit card payment could increase. ❌️ Lenders may reconsider giving you a loan. ❌️ Transactions could be declined. For questions about our credit repair services, please schedule an appointment. 🌐 https://lnkd.in/dcaNtn2c #CreditRestoration #CreditGoals #CreditCard #Lenders #Mortgage #PaymentHistory #LimitIncrease #JusticeLeagueOfCredit #CreditScore #CreditTips #CreditRepair #Spending #FinancialHealth #Homeownership #Summer2024 #Realtors #HomeBuyerTips #Notary #Florida

Adulting 101 home buying hack 🏠 Your credit score holds the key to unlocking your best home loan terms while saving you⏱️&💰 Dive into the 5 key components that make up your score: Types of Credit Recent Applications Payment History Credit Utilization Credit History Length Stay organized and take control! Find out how at dezslezak.com and get ready to dominate the homebuying process 💪 #CreditScore #HomeLoans #HomeownershipTips #MoneyManagement #Adulting101

🔑 Attention Financial Advisers! 🔑 Do you have clients with substantial assets but no paper trail of income? 🏠 We have a special loan tailored for them! Ideal for those living off their assets and seeking a home but lacking the traditional income documentation for a regular loan. Let the Mortgage Jedi guide you through this unique opportunity! 🌟 #FinancialAdvisers #HomeLoan #AssetBasedLending #MortgageJedi #RealEstate #HomeBuying #Finance #InvestSmart #LoanSolutions