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thornhomeloans

Pam Thorn

274Following
172Followers
879Likes

Linktr.ee/thornhomeloans Home loans in TX, OK, CA. NMLS#1629149

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You don’t want to rule anything out until you talk to your loan officer…you may find out you’re qualified to purchase more than you imagined. And if you’re not ready just yet, a good lender will give you a game plan to get there. #buyingahouse #homeloans created by Pam Thorn with Sugar Jesus & LeyeT's Virtual Reality

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You don’t want to rule anything out until you talk to your loan officer…you may find out you’re qualified to purchase more than you imagined. And if you’re not ready just yet, a good lender will give you a game plan to get there.

#buyingahouse #homeloans

#homeloan #buyingahouse #interestrates #timingthemarket created by Pam Thorn with Official Sound Studio's Lazy Sunday

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#homeloan #buyingahouse #interestrates #timingthemarket

This photo is the pile of mile we received when we refinanced our house a couple years ago! Once you close on your new home or refinance, you will start getting a lot of junk mail and postcards. There are lots of scammer companies who get publicly available information on new deed filings. They will try to sell you on filing your homestead exemption or getting a copy of your deed for a fee. It is not necessary to pay for any of this. Even though all this junk mail will have the name of your mortgage company and your loan amount at the top, check the disclaimer in small print at the bottom: It will state that they are not affiliated with your mortgage company. When in doubt, call your lender. I often have my clients text me photos just to verify they can toss it in the bin. #homeloans #mortgage #mortgagetips #junkmail created by Pam Thorn with Pam Thorn's original sound

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This photo is the pile of mile we received when we refinanced our house a couple years ago!

Once you close on your new home or refinance, you will start getting a lot of junk mail and postcards. There are lots of scammer companies who get publicly available information on new deed filings. They will try to sell you on filing your homestead exemption or getting a copy of your deed for a fee. It is not necessary to pay for any of this. Even though all this junk mail will have the name of your mortgage company and your loan amount at the top, check the disclaimer in small print at the bottom: It will state that they are not affiliated with your mortgage company. When in doubt, call your lender. I often have my clients text me photos just to verify they can toss it in the bin.

#homeloans #mortgage #mortgagetips #junkmail

3% is the minimum down payment required on a conventional loan if you are either a first-time buyer or if you haven’t owned a home in the previous three years. FHA loans require 3.5% down and VA loans are very often 0% down! The takeaway here is that 20% down is NOT required. #downpayment #thornhomeloans #financeinfo #homeloans #mortgage created by Pam Thorn with Above & Beyond & Zoë Johnston's My Own Hymn

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3% is the minimum down payment required on a conventional loan if you are either a first-time buyer or if you haven’t owned a home in the previous three years. FHA loans require 3.5% down and VA loans are very often 0% down!

The takeaway here is that 20% down is NOT required. #downpayment #thornhomeloans #financeinfo #homeloans #mortgage

A few highlights of this down payment assistance program: • It's not just for first-time buyers • Income ceiling of $132,000 in the Dallas area; limits vary based on the Texas county where you are buying • This is a grant, not a bond or lien and does not require repayment. • The grant amount is up to 3% of your loan amount and can go towards down payment or closing costs. • Available for FHA, VA and Conventional loans. • Minimum FICO is 620 for VA, 640 for FHA and varies for Conventional. #homebuyer #downpaymentassistance #downpayment #homeloans #financeinfo #buildingequity #thornhomeloans#dfwrealtors created by Pam Thorn with Pam Thorn's original sound

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A few highlights of this down payment assistance program:

• It's not just for first-time buyers
• Income ceiling of $132,000 in the Dallas area; limits vary based on the Texas county where you are buying
• This is a grant, not a bond or lien and does not require repayment.
• The grant amount is up to 3% of your loan amount and can go towards down payment or closing costs.
• Available for FHA, VA and Conventional loans.
• Minimum FICO is 620 for VA, 640 for FHA and varies for Conventional.

#homebuyer #downpaymentassistance #downpayment #homeloans #financeinfo #buildingequity #thornhomeloans #dfwrealtors

If you own a home, make sure you’ve filed for your homestead exemption. This can save you hundreds to thousands a year in property taxes! Finally some good news about housing costs, at least in Texas! #costreduction #homebuyers #texashomeowners #propertytaxes created by Pam Thorn with Pam Thorn's original sound

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If you own a home, make sure you’ve filed for your homestead exemption. This can save you hundreds to thousands a year in property taxes! Finally some good news about housing costs, at least in Texas!
#costreduction #homebuyers #texashomeowners #propertytaxes

Attn: Self-employed business owners! Mortgage lenders calculate your income based on the amount you report on your Schedule C as your "net profit or loss." At UHM, our income desk will review your tax returns for the most recent two years. They will also look at your year-to-date profit & loss statement to verify your business is on track to equal or better the profit from the previous year. Your best bet is to work with a lender that will pre-underwrite your self-employed income. This way you have certainty with your preapproval letter and can avoid surprises after you are under contract. #homebuyers #texaslender #selfemployed #schedulecincome created by Pam Thorn with Pam Thorn's original sound

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Attn: Self-employed business owners! Mortgage lenders calculate your income based on the amount you report on your Schedule C as your "net profit or loss." At UHM, our income desk will review your tax returns for the most recent two years. They will also look at your year-to-date profit & loss statement to verify your business is on track to equal or better the profit from the previous year. Your best bet is to work with a lender that will pre-underwrite your self-employed income. This way you have certainty with your preapproval letter and can avoid surprises after you are under contract. #homebuyers #texaslender #selfemployed #schedulecincome

#homebuyers #texaslender #homeloan #housepayments #mortgagetips created by Pam Thorn with Vincent Mason's Made 4

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#homebuyers #texaslender #homeloan #housepayments #mortgagetips

Don't let being a recent grad stop you from applying for a home loan! We can actually use your school transcripts in place of work history although your degree or certificate program should be in a field related to what you are doing. #homebuyers #firsttimehomebuyers #mortgagetips #texaslender #financetips #collegegrad #preapproval #homeloan created by Pam Thorn with Official Sound Studio's Lazy Sunday

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Don't let being a recent grad stop you from applying for a home loan! We can actually use your school transcripts in place of work history although your degree or certificate program should be in a field related to what you are doing.

#homebuyers #firsttimehomebuyers #mortgagetips #texaslender #financetips #collegegrad #preapproval #homeloan

If you are getting a tax refund this year, it may be the perfect time to invest in your first home. You’ll want to talk to a mortgage professional to see what your options are, but don’t wait…the real estate market is heating up as we move towards spring. #firsthome #firsttimehomebuyer #taxrefund #texaslender #mortgage #movingtotexas #smartmoney created by Pam Thorn with Hany Beats's Puff

If you are getting a tax refund this year, it may be the perfect time to invest in your first home. You’ll want to talk to a mortgage professional to see what your options are, but don’t wait…the real estate market is heating up as we move towards spring.
#firsthome #firsttimehomebuyer #taxrefund #texaslender #mortgage #movingtotexas #smartmoney

Preapproved for a home loan or under contract? Please pass on the offers to open a store credit card! #texaslender #mortgageadvisor #HolidayOREOke #holidayshopping #christmasshopping #offers #homebuyer created by Pam Thorn with Pam Thorn's original sound

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Preapproved for a home loan or under contract? Please pass on the offers to open a store credit card!

#texaslender #mortgageadvisor #HolidayOREOke #holidayshopping #christmasshopping #offers #homebuyer

#nmls #mortgageadvisor #texaslender #californialender #oklahomalender #loanofficer #DidYouYawn created by Pam Thorn with Lux-Inspira's Memories

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#nmls #mortgageadvisor #texaslender #californialender #oklahomalender #loanofficer #DidYouYawn

The real estate market has definitely gotten easier for buyers over the past few months. If you stepped out, you might want to hop back in. #mortgagetips #buyersmarket #StemDrop001 #homebuyers #homeloans #movingtotexas created by Pam Thorn with Tiesto's BOOM

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The real estate market has definitely gotten easier for buyers over the past few months. If you stepped out, you might want to hop back in. #mortgagetips #buyersmarket #StemDrop001 #homebuyers #homeloans #movingtotexas

Escrow deposit accounts are like “forced savings accounts” because we take a portion of your monthly mortgage payment and set it aside to pay your tax and insurance bills when they come due each year. Escrow accounts are required on all loans unless you are putting 20% or more down on a conventional mortgage. #escrowaccounts #mortgagepayment #piti #mortgageinfo #mortgagetips #homeloans #homebuyer #firsttimehomebuyer #mortgageadvice created by Pam Thorn with Turreekk's MOMENTS IN LIFE

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Escrow deposit accounts are like “forced savings accounts” because we take a portion of your monthly mortgage payment and set it aside to pay your tax and insurance bills when they come due each year. Escrow accounts are required on all loans unless you are putting 20% or more down on a conventional mortgage.

#escrowaccounts #mortgagepayment #piti #mortgageinfo #mortgagetips #homeloans #homebuyer #firsttimehomebuyer #mortgageadvice

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