John Kim at Lendus dba AEM l NMLS #824497

"Establishing your goals can help you see the bigger picture of why you need to have a budget."

Focusing on your breathing technique can be harder than it seems but has measurable benefits.

"HUD announced that they were increasing the FHA loan limit ceiling and floor in high-cost areas."

Sail Into The Future Our Loan Officers take great care when it comes to their clients. They want to be available and responsive for any questions, queries, and complications that come along the way. This week's Loan Officer provided these services and had an equally responsive client, so the loan process flew by like a breeze. The swift communications from both parties combined with the insights the Loan Officer gave the client made this application process run like clockwork.... Because the client came to the Loan Officer with intelligent questions, the duo quickly discussed different options and picked the one that made sense. The client was also thrilled to be using the online system, which made the mortgage process the easiest she has ever experienced. She is very grateful her friend recommended she contact our Loan Officer when looking for a home mortgage. See more

Show yourself some love with these heart-healthy insights.

Bunny kisses and #Easter wishes from our family to yours!

Through Thick and Thin A family was facing substantial financial challenges when a family member, who had used LendUS before, referred them to us. The new clients owned a business that went under during the Great Recession. Since then, they were in significant debt with the IRS to the point where they were living paycheck to paycheck without any savings and a mid-500s credit score. Thankfully, their home built up some equity, and they had stable jobs. In mid-2019, our LO reac...hed out to local brokers to find options for this family and was only met with bad news. The LO still helped the clients create a game plan so that in a year, they could look for more again. A few weeks later, the LO received an email about a temporary option, one that would help the clients pay off their IRS debts, mortgage, and other outstanding payments while thinking about refinancing. Despite all the financial hardships, including those inflicted from the pandemic, in 2020, the clients were able to refinance into a conventional 30 year fixed loan at 3% and close in less than 45 days. The clients were so thankful for the Loan Officer's dedication and felt immense relief that their financial stress was gone. They said their lives were changed for the better thanks to the help of this Loan Officer. See more

If you're feeling a little off-kilter, try these easy at-home moves to get more centered.

Go With The Flow Buying a second home can sometimes be a completely different process than a primary residence. A client located in Washington was looking to purchase a second home and was referred to RPM Mortgage by her real estate agent. Sadly, after working together for several months, the pandemic changed their plans altogether. However, the Loan Officer stuck by them when they decided to refinance their current home. The process took nine months, and it all paid off. The client was over the moon about the service they received from the team. Not only were they responding to the client's questions promptly but also making themselves available for discussions about different options. When the market improves in the future, the client still hopes to buy a second home and utilize RPM Mortgage again.

A nutrition expert shares their insights on how best to feed not just your body but your brain too.

Ten days into the escrow period, a client came to our Loan Advisor seeking help because their longtime lender could not perform at the time. Since the borrower was self-employed and the time was slipping away, the team had to act fast. If the race against the clock wasn't enough pressure, they also had to secure two appraisals and jump through multiple hurdles to make this all work. Thankfully, with the help of others, this team of four was able to patiently and professionally collaborate and get the job done in record time. #AEMfamily #weeklywins