Community Mortgage Atlanta

Has anyone told you today that you matter? ..that your mortgage company couldn't have survived 2020 without you? ..that your sacrifices away from your family a...nd your personal life meant something? If not, there's a problem. Anyone who knows our industry knows how difficult this year has been for all of us, but especially you, as an Underwriter. Our company has had a record-breaking year and our Underwriting team has been absolutely essential to our success. But they need help too. We are growing and they need another teammate. 1. Have you been an underwriter or junior underwriter for about 5 years? 2. Do you wish to be a part of a team and a company that knows your name, your dedication, and treats you as such? 3. Do you live in the Little Rock, Memphis, Nashville, or Chattanooga area? 4. Reply to this listing. You deserve a place where "Family First" is not just a mantra, but actual practice. You may be a mean, lean, Underwriting machine, but you are also a person. It's time you are a part of a company who recognizes that! Life is too short to work in a toxic environment. Choose happiness, choose to work with us, Community Mortgage.

T'is the Season to Shop With rates this low I'm sure you've thought about either refinance or purchase. Before you shop to compare different options Know all the Apples you are comparing: Rate... APR Terms Closing Costs Some lesser known parts can change the appearance of your loan estimate. So watch out for these: Discount Points..points you have to buy that can be added to your estimate to make the interest rate appear lower Origination Fees..we do not add this fee, but some lenders will, which raised the cost of your loan. Prepaid Items..these can be higher or lower depending on the time of the year you buy. This includes prorated property taxes or Homeowners Insurance that are paid into your Escrow account. Make sure you are comparing to Not to

Happy Veterans Day to all of our country’s heroes! Many thanks go out to the brave men and women who keep us safe every day. As a benefit for their service, veterans are eligible for VA mortgage loans where they don’t have to make a down payment.... There is so much information to take in about VA loans, whether you should make a downpayment, tips for success, etc. For today, we’re going to recap all of the information we’ve sent out about VA loans. This information includes: VA Realtor Tips: Teaching you how to position yourself for success in the seller’s market. VA Myths: Common myths associated with VA loans. Should a Vet make a Down Payment: Whether or not it’s ideal to put money down for a VA loan. Funding Fee: Information about funding fee amounts, eligibility, etc. Tidewater: Information for realtors about how to avoid low appraisals. Check out the link below to grab your copy of this compilation We promise that you’re going to get a lot of value out of it, whether you’re a realtor or future homebuyer. As always, please share this information with anyone that needs it. https://bit.ly/3l4ikWW

If you want to buy a home, you, usually, have to go through the mortgage process and open a new loan. A lot of people don’t know that you can simply assume or take over the loan of someone else in a VA loan. That’s bizarre, right ... How does it work? What are the terms for assuming another VA loan? We’ve answered all of these questions in a downloadable guide you can find using the link below. Check it out using the link below . Who knows - you or a client may be eligible https://bit.ly/3kZeiz5

One of the best things about VA loans is that you aren’t required to make a downpayment. However, there is still the matter of paying the VA funding fee. You may be wondering how much the VA fee is... Or, if you’re even exempt from paying it. Luckily, we’ve created a guide to help answer these questions. Click the link below to download your copy. As always, share this information to veterans you know are considering buying a home. https://bit.ly/2G3too6

All realtors know that low appraisals can ruin the perfect day. But, what if there was a way to avoid a low appraisal for VA loans? There actually is an alert that can give you time to support your listing price and avoid a low appraisal.... This is called Tidewater. Tidewater isn’t a difficult concept to learn, so you need to grasp it right away to put your clients in a position to win! Luckily, we’ve created a resource to help you understand everything about Tidewater for VA loans. Use the link below to download and check it out! If you’ve found this information to be helpful, please share it so we can together give veterans the best chance of purchasing their dream home. https://bit.ly/37rTP2h

Veterans are eligible to receive some amazing benefits from VA loans. Even with a VA loan, many veterans aren’t in an ideal position because of misconceptions about working with VA buyers. Do you need more help helping your VA clients stand out when placing offers on homes? ... Thanks to a few VA Top Producers, we have a list of 7 Tips to help any VA Buyer Win! Diana Dominguez (Aspire Realty Group Scott Fields (My Town Properties Memphis Alexis Brown (Alexis Brown, Realtor-Emmett Baird Realty Tommie Criswell (Crye-Leike East Memphis Do you want to get in on these helpful secrets? If so, click the link below to download the PDF. You really need to check this out if you work with VA buyers. There’s no getting around this. Oh, and make sure to share this with any other realtors or VA buyers! Have any great VA Tips of your own? Drop them in the comments! https://bit.ly/311I3rl

A lot of listing agents are confused about how to navigate VA loans. Some don’t know about the rules concerning sellers and usually overlook VA buyers. The problem is that veterans don’t deserve to be put on the back burner, especially when there are a lot of misconceptions relating to VA loans. ... Actually, a few myths about VA loans could be preventing you from helping new clients purchase a new home. Are you curious in seeing the common myths surrounding VA loans And our rebuttals against them? If so, click the link below to download a copy of these myths. This PDF can be used in a VA buyer’s offer to help sellers better understand what it’s like to work with a VA buyer. So, downloading this resource will make your job a whole lot easier! Make sure you share this post with other realtors and let’s all work together to help our country’s heroes move one step closer to purchasing their home. https://bit.ly/3lbdgzE

Custom homes can be uncharted territory for Realtors. Many Realtors are fearful of working with builders and it can affect their business. Most of the time, certain misconceptions can ruin the relationship between Realtors and builders. ... There are 5 Big Myths about Realtors working with builders. Whether you’re already doing business with home builders or want to start, you should check our new PDF out, where we tackle all of these myths for you. Simply click the link below, and we’ll send you The Top 5 Myths For Working with Builders. Getting familiar with working with builders can open up a new option for your buyers and maybe a new niche for you. Remember to keep scrolling to browse other helpful content for realtors. Oh, and if you want to discuss working with some of our favorite builders... Today (901) 759-4400. https://docs.google.com//1FAIpQLSdvLGqegIKX5lpWg/viewform

Have you ever received a horrible that you didn’t want? Be honest - everyone has. While you were grateful that you got a new polo shirt or a coffee mug, you feel guilty because you know you’ll never use it. ... Unfortunately, that may be how some of your past clients felt about the gifts you’ve provided to them. Many realtors send closing gifts for a lot of reasons. Some may genuinely appreciate their clients’ business And, others send gifts for a promotional opportunity or just out of obligation. Think of it this way - you wouldn’t send a company CEO a branded t-shirt with your company logo on it. Why would they wear something that promotes your business? What we’re trying to say here is that your have to mean something and have value! To make sure your fall in line, here are some important questions you need to ask yourself: Am I giving a gift or a promotion? Will my client expect my gift? Is the gift something my client wants? Is my gift personalized? Is my gift consumable or lasting? Is my gift the best in its class? Answering these questions is the first step in sending gifts that will generate a positive response, create gratitude in your clients, and deepen lasting relationships. If you want to learn more, simply leave a comment and we’ll send you a PDF telling you how to answer each question.

Are you looking to sell your within the next few weeks or months? If so, then you really gotta and listen to what we’re about to say. There could be a chance that your home’s measurements aren't accurate.... Why is this important? Well, the measurements of your affect the listing price. If you’re a seller, you could sell your home for less than what it’s worth This means that you get less for selling your home Even if you’ve built up a lot of equity... If your home measurements are wrong, you’re going to lose out on some ! So, what are you supposed to do? You can either: Request an appraisal from the last sale of your home. Spend $80-$120 to have someone measure your house correctly. If you want to learn more, simply leave a comment and we’ll send you a copy of a graphic explaining everything. Trust us, you don’t want to miss out getting a huge check because you didn’t devote three minutes to reading our PDF...

There are so many realtors out in the world today. It’s like selling homes becomes a cut-throat competition. Well, in real estate, there is no second-place. ... You simply miss out and have to suck it up and try again But, what if there was a way to become a client’s first choice every time? By building a strong personal brand you can position yourself in front of the most qualified leads without putting forth much effort. But, before you begin, you’ll need to know what your brand is. We’ve made a list of six important questions every real estate agent must answer to begin selling more homes. Simply comment on this post, and we’ll send you this list so you can start making more money today!

We don’t have to tell you this, but the home buying process can get really tedious at times. And, we’re talking.really, really tedious! A simple home address mistake can cause problems further in the process and create headaches mainly for realtors. ... Lenders across all companies are REQUIRED to use home addresses according to the US Postal Service. If any realtor ignores this and places the wrong address on a sales contract They’re going to waste a lot of time! Don’t worry! We put together a helpful graphic to show you the steps for finding the right address using USPS. Send us a message or comment below and we’ll send you a copy! Navigating your clients quickly through the homebuying process is always the mindset of an amazing realtor. Let’s help you become amazing.

Sometimes you get questions from your buyers that have you Internally Screaming *I’M NOT A LENDER!* But because you are the amazingly, professional Realtor that you are, you say- "You know, I’m not sure, but I will find out for you." ... What's one of the first things that a potential buyer wants to know What’s the first step? What do I need? What do you need from me? Here’s something you can add to your buyer package (hard copy or digitally) That answers that question BEFORE it’s asked Yes, it’s another cheat sheet, but it’s more of a Checklist And in a bookmark format...OH, Fancy! This lists every document your buyer needs before they apply for a Mortgage Send us a message or drop a comment below and we will send you one Solving your clients questions BEFORE they even ask makes them feel like they are in the hands of an amazing Realtor! Let us help you be amazing...

Your Buyers’ appointment is going great They are pleased with your preparation and your plan for taking on this market *cue up Eye of the Tiger* They say-... We like your plan. Let’s do this. Do you know how much we need for a loan? What credit score do we have to have? Sure, you could get your favorite Loan Officer on the phone right in 5 sec But what if you could know those questions, for CERTAIN, right then? And have the ability to do that anytime a client calls? We have a tool that you can use just for this If you keep this with you, you will have the answer for every major loan type: - Max LTV - Down Payment requirement - Loan Limit - Credit Min - Seller Concession % All specific to your area Keep it with you, hand it out to potential clients, hang it by your computer, Co-brand it with your favorite Community Mortgage Loan Officer To get yours: Send a DM, send a message, email your Community Mortgage LO, or drop a emoji in the comments below

Rates are LOW! Historically LOW! Let’s compare..... A snapshot of 30 year Fixed Rate loans in July of the last few years: 2017 3.96% 2018 4.52% 2019 3.75% This year, 2020 3.07% The last year rates were this low was 199-NEVER Don’t believe us?? Check out the spreadsheet. http://www.freddiemac.com/pmms/ Freddie Mac has be tracking interest rates since 1971 What were interest rates the week you were born? Drop it in the comments

Itching to Buy, but... Are you Mortgage Ready? Becoming Mortgage Ready is more than credit score & down payment It’s about setting yourself up for success for this process... What you need to keep up with.. Pay-stubs Bank Statements To Do List Unfreeze Your Credit Report Talk to a Live Expert (Loan Officer) Ask ALL THE Questions What Not To Do Make Large Purchases Change Jobs Open New Accounts (financial) House Shop out of your price range Believe Everything you read online (Yes, even fact check us!) We want you to have the best experience possible when house shopping. Educating you, our client, is the key to that experience. Call us to match you with one of our Mortgage experts Today!

Hello Realtor Friends, This one may apply to You or any of your clients who are Self-Employed. Is this a Community Mortgage rule? No, this is a Conventional Loan Guideline all lenders follow... Enjoy your weekend!

Self Employed & House Hunting? Gathering your documents ahead of time makes the loan process SO much faster So what has changed to the list of what you will need?... Besides the usual, 2 years Tax Returns You will need a P & L (Profit & Loss Statement) either Audited- prepared by your CPA OR Unaudited- prepared by you or a bookkeeper, signed + 2 months of bank statements Is this a Community Mortgage rule? No, this is a Conventional Loan Guideline all lenders follow Making sure our clients are educated and prepared for the loan process is important to us. Check out our Loan Officers on our website. We guarantee there's one that will be a perfect fit for your home buying team!

Attention #Realtors come join us today to view this beautiful home in Fayetteville 11am-1pm. Drop your business card in for a chance to win one of two $50 gifts cards! #openhouse #communitymtg #Tammyvernon

Realtor Friends, this is For YOU! When listing a flipped property you need to know the EXACT date of Acquisition of the property ... Why? For FHA buyers, a 90 day waiting period is applicable before contract execution. Date of Acquisition -- 90 days -- Execution of Contract Anything else? Yes -- if the sale of the flip is between 90-180 days after acquisition -- & the resale price is more than 100% over the price paid by the seller The seller must pay for 2nd appraisal Is this a Community Mortgage rule? No, these are an overall FHA guidelines all lenders must follow Our goal is to keep you, our Realtor friends, as informed as possible, so you can List every property, confidently.

This may clarify some things... While on vacation you spot an amazing property... It's a pretty decent price too.... You think... The kids aren't getting any younger OR I/We can really work from anywhere now OR It's time to rest more OR We could really make some extra income with this OR All of the Above You say What the Heck! Let's do it You call a Realtor You call a Lender Lender says- Will this be a 2nd Home or an Investment Property Ummmmm.... Ask yourself these questions How much time will you live there? How far is it from your primary home? How much are you will to give for a down payment? These questions and a great Loan Officerwill help your figure it all out. Give us a call. We can help guide you.

Mortgage Forbearance Update You may be in Forbearance and not know... Yes, some companies are setting clients into forbearance, preemptively. You may be paying on schedule, but have a forbearance status.... No, worries...a phone call to your servicer can change that. If you are House Shopping Plan to buy soon and not in Forbearance Talk to your Loan Officer and see if there is additional info needed Guidelines are still changing every day. Asking the right questions & Making sure you have all the documents you need is how we can keep our promise to close On Time

I am available this weekend to help you with your preapprovals!