READ THIS IF YOU WANT TO BE PROTECTED FROM TRIGGER LEADS! ‼️‼️
First of all you might be wondering- what is a trigger lead and why do I want protection from them?
A trigger lead is when the credit bureaus sell your information to- name, contact info, sometimes even credit rating-to multiple mortgage lenders (that you don’t know,) immediately after getting your credit pulled with with a lender you are working with. The idea is that this lead is HOT and you are obviously looking to take out a mortgage in the future since your credit has been run.
This is legal (as of now) with the assumption that this creates healthy competition and gives consumers more options to shop their mortgage rates.
While good in theory, it’s a NIGHTMARE for borrowers because it can lead to no lie- 50 phone calls within an hour of random, often unlicensed, call center loan officers just trying to pitch them a deal.
So how do you stop the mortgage bug-a-boos?!
Fill out a form to opt-out of prescreened offers online- I recommend doing it at least 5 days before getting your credit ran. This gives time to get you on a do not call list!
I’m so excited to announce the relaunch of my course “WHAT KIND OF INVESTOR ARE YOU?” When it comes to real estate investing- you’ve got to examine your why. What are you hoping to gain from the investment? What are your strengths? How passive do you want to be? Come get some insight into not only the how but the why at my next course on November 7th!
Didn’t get the chance to scratch “become a homeowner,” off your bucket list in 2023?
2024 might be the next best time to do it!
While we are already seeing a small decline in seller concessions, and multiple offers reentering the chat..winter is still traditionally the least competitive time in the real estate market. Experts are expecting lower interest rates in the Spring, and when you pair that with a historically busier season in the market, you end up with higher prices on homes due to more competition.
Want to go over your 2024 home buying strategy and get a real time estimate of your buying power? Talking to a lender (like myself) is the REAL first step. We’ll take a look at your credit, available funds to close, and your income in depth to find out what the best home buying strategy is FOR YOU. (Plot twist, it’s not a one size fits all.) Message me and we can set up a personalized meeting to go over your goals and turn you into a homeowner in the next 90 days.
🚨Are you in the middle of the home buying process and struggling with your debt to income ratio (DTI)? 🚨
DTI is probably one of the easiest problems to solve if you have a hard working lender on your side, but sometimes your team falls short and your loan gets denied RIGHT after you found your dream home and thought you were SO CLOSE to buying it—only for the lender to come back and say your dti is too high and they are denying the loan. (We’ve heard about this in the news lately about some larger outlets.)
It’s always important to advocate for yourself as a consumer, but you shouldn’t have to. If you’ve been denied, also get with a trusted and recommended lender to get a second opinion. Or, for peace of mind, you can use a lender like me who goes through all of these scenarios (plus dozens more) before telling someone they can’t buy a home.
🏡🏡Ready to buy but not sure where to start? Comment NEW HOME and I’ll DM you the link to set up a 1:1 with me for an action plan to get you in a home in 90 days or less!
DJ Khalid Voice: 🗣🗣And Anotha One!
This closing has been a little while in the making. This borrower is a journey man by trade and makes the majority of his income via overtime. When he first came to me for a pre-approval, he had only been at his job about a month or so. HOWEVER he's had consistent overtime for YEARS due to his line of work.
When he saw this home off market, he knew it would be a perfect second home for when he visits his family in Dallas. He was able to get the home under contract all by himself, as long as we could close on time. Well, it took a LOT of pushing but we did it, and he closed today!
Find a lender that will fight for you and help you achieve your goals.
NMLS 2013901
#mortgagelender #dreamhome #myfirsthome #finance #personalfinance #austin #austinrealestate #hillcountryrealestate #hillcountryhomes #realestate #austintx #atx #dallaslender #garlandlender #texaslender #realestateinvesting #realestate
Those of you new to my page, I'm so happy to meet you!
A little about me: I became interested in the lending process when I bought my home in 2019. I, like many, went to the big named lenders for financing as a first time home buyer. Ultimately I felt like just another file to them and I decided I'd give it a go as a lender myself.
Fast forward to now and I PERSONALLY make sure my clients understand the borrowing process. I'm the point of contact from your initial application, all the way until closing. I'm there every step of the way for a smooth trip to the closing table. Whether you are purchasing your first home, or your 10th, I'm here to be your #1 resource for all things mortgage related!
NMLS 2013091
#mortgagelender #dreamhome #myfirsthome #finance #personalfinance #austin #austinrealestate #hillcountryrealestate #hillcountryhomes #realestate #austintx #atx
Closed in 22 days!
This first time home buyer made contact with me January 26th, and found the cutest home with the help of @demitherealtoratx. Their offer won out and they went under contract on the 23rd of February, and we closed yesterday, 22 DAYS LATER!
This was a major win for us and I'm so happy we could get her into this completely renovated home! It took her less than two months to take the leap of faith from renter to owner. Could you be next? PM me so we can get you started!
NMLS 2013901
#mortgagelender #dreamhome #myfirsthome #finance #personalfinance #austin #austinrealestate #hillcountryrealestate #hillcountryhomes #realestate #austintx #atx
Who is ready to spring into homeownership and shake off winter once and for all? Come join us on Zoom and Clubhouse on March 1st at 5:45 pm.
Contemplating making the leap but not sure where to start?
Are you unsure of what documents you need to be able to buy?
Are you wondering if you can get pre-approved for a mortgage?
Bring all of your burning questions to this round table chat. I'll be with Amanda Garcia, owner of @sunshinerealtygroup to talk over everything you need to secure the keys! Be sure to sign up in advance, as space is limited!
https://forms.gle/34NXhRPa64XtotGq5
Licensed Mortgage Loan Originator- NMLS 2013091
#mortgagelender #laceykinglending #dreamhome #myfirsthome #finance #personalfinance #austin #austinrealestate #hillcountryrealestate #hillcountryhomes #realestate #austintx #atx #sellersmarket #homesales #newbuilds #newconstructionhomes #homegoals #2021goals
This year I've helped families access millions in real estate assets. Are you next? Briana Lacey-King is a licensed loan officer based in Austin, Texas.
