22/09/2024
Good game Colorado!!
Nikki McCray, Mortgage Loan Originator NMLS 1885306
- Home
- Nikki McCray, Mortgage Loan Originator NMLS 1885306
Loan options available: COMMERCIAL, FHA, VA, CONV. All BUYERS welcome!
(3)
19/09/2024
Psst! Hey!!!! I have interest rates for the low low down here.
Let's talk about it.
Shenique McCray, NMLS #1885306
🏛 SM Mortgage Lending
📧[email protected]
📱 (972) 217-5593
15/09/2024
I can’t tell you how many people screw this up… Buy the 🏡 FIRST and buy the 🚘 after. NOT the other way around!!
04/09/2024
🗣 IMPORTANT information to get your affairs in order‼️
💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.
🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.
👨👩👧👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.
👩🏽⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.
🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.
🛍Last Will and Testament: Designates to whom personal belongings will go to.
🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.
If the above documents are done, you can AVOID probate.
If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.
📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.
Make sure heirs know where life insurance policies are located. 📂
📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!
🚗 Make sure you have titles for all vehicles, campers, etc!
Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.
MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.
⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!
My hope is that the above list at least helps you start an important conversation with your loved ones...
(REPOST-I DID) and it’s a very necessary conversation
03/09/2024
The next time you think about quitting...
..remember that Michael Jordan was cut from his High School Basketball team.
03/09/2024
The power of forgiveness!
02/09/2024
Help!! I have a client that needs an amendment on his tax return. He doesn't want to use the initial tax person for obvious reasons.
Any tax preparation or accountant referrals/recommendations are welcome 🤗
02/09/2024
Happy Labor Day Everyone!!
25/08/2024
Work doesn't stop or quit!
While hosting our guests for my husband's birthday party, duty called and I answered. I stopped what I was doing to answer questions from prospects and sent emails.
It doesn't matter where I am or what I am doing, I am still going to serve my potential customers and my clients.
24/08/2024
Party Time
19/08/2024
REALTORS®: how was your first weekend with the new NAR changes?
16/08/2024
08/17/2024*
Very big weekend in full effect.
16/08/2024
Doing something that I haven't done in a while....treating myself to a lunch break ❣️
15/08/2024
If your current interest rate on your FHA mortgage is greater than 6% and you would like to save on your monthly payment, give me a call to discuss how much you can possibly save every month with a FHA Streamline Refinance (Rate-n-Term).
You do not have to refinance with your current lender/servicer as other lenders may have better rates than your current lender/servicer.
The process is much easier the the purchase process since you are already in the home and less documentation is needed.
Some benefits of a streamline refinance include:
* No appraisal: There's usually no need for a new home appraisal, which can save time and money
* Less paperwork: Borrowers may need to provide less credit documentation and income verification
* Faster closings: The process can be quicker than a standard refinance
* Better rates: Borrowers may be able to get a better interest rate
* Lower payments: Borrowers may be able to lower their monthly payments
However, there are some restrictions and considerations to keep in mind:
****The mortgage must be current and not delinquent****
* Credit will still need to meet the qualifications of the lender
* Borrowers may not be able to take out cash.
* Borrowers may need to pay another upfront mortgage insurance premium and continue to pay annual mortgage insurance.
* Refinancing may result in higher total finance charges over the life of the loan.
* The clock resets on mortgage insurance premiums, so if the borrower originally put down 10% or more, they may need to pay premiums for 11 years instead of the life of the loan.
Give me a call to discuss if you are interested in possibly lowering your monthly payment or term.
SM Mortgage Lending
Shenique McCray, Mortgage Broker NMLS #1885306
[email protected] | (972) 217-5593
14/08/2024
Amen
14/08/2024
A little wealth and financial advice:
Inflation is cooling down and so are the . Buy your 🏚️ NOW to avoid the price increases later.
If you are in the market to make a purchase in the next 30 days, 3-6 months, or a year from now let's talk and see to get the best course of action to get you into that home.
Shenique McCray, Mortgage Broker NMLS #1885306
SM Mortgage Lending
(972)217-5593 l [email protected]
11/08/2024
COME ONE, COME ALL!
03/08/2024
Interest rates are looking better!! If you have a interest rate higher than 6% on a FHA/VA loan you should be in my inbox!
13/07/2024
Did you recently get denied by the builder's lender or any other lender for a pre-existing home??
If you were in the process of purchasing a new home and the builder's lender has denied your loan due to a lender's overlay or low credit scores, DO NOT GIVE UP on your dreams of homeownership just yet.
Give me a call, send me a text or DM and we can go over your loan scenario and why the loan was denied. I may be able to save the deal, find a better lender to suit your needs which could also save you some time and money with closing costs. You MAY BE still able to close on the same property. Time is of the essence and you have to move fast!!!
But.... you will have to contact me first so we can discuss the next steps before your contract expires. 🙂
SM Mortgage Lending
Shenique McCray NMLS #1885306
(972) 217-5593
[email protected]
11/07/2024
Did you recently get denied by the builder's lender or any other lender for a pre-existing??
If you were in the process of purchasing a new home and the builder's lender has denied your loan due to a lender's overlay or low credit scores, DO NOT GIVE UP on your dreams of homeownership just yet.
Give me a call, send me a text or DM and we can go over your loan scenario and why the loan was denied. I may be able to save the deal, find a better lender to suit your needs which could also save you some time and money with closing costs. You MAY BE still able to close on the same property. Time is of the essence and you have to move fast!!!
But.... you will have to contact me first so we can discuss the next steps before your contract expires. 🙂
09/07/2024
I can't stress this enough for potential buyers to WAIT to purchase a car or any other big purchases until AFTER you purchase a home.
Why? Because if your debts (including the potential mortgage payment) are more than 43% of your monthly income, you just crushed your buying power in half!! You can't afford to do that in this market because you may not find anything decent in the price range that you get pre-approved for.
04/07/2024
I LOVE what I do! When you treat people right and they keep the referrals coming in return says A LOT!
Quick story:
I recently received a text from a client that I have closed difficult deals with in the past saying that he has a cousin that needs my help with a situation that he was having with his current lender. The builder's "preferred lender" dropped the ball 5 days BEFORE closing!! 👀🤦🏾♀️... Borrower is in panic mode trying to save the deal and close on his home.
**Preferred lender's first mistake: Lender should have FULLY vetted both borrowers from the beginning PRIOR to giving out the pre-approval letter allowing the buyer to get under contract and pay thousands in Earnest Money.🤬**
Borrower is also Self-Employed and needed to flip the conventional loan to a bank statement loan since co-borrower DID NOT qualify. Current lender was not able to do this as they can only do 'traditional mortgages'. This is not an issue for a Broker since we have a plethora of loan options available and I close non-traditional mortgages all the time!
I picked up the ball 🏀and I am now working his deal, geared to close ASAP while beating the other lender's interest rate and closing costs saving my client money OFF TOP!
If you want to remove all of the guess work and want a fully vetted pre-approval, reach out and let's get it done. 😊
Shenique McCray, Mortgage Broker NMLS #1885306
SM Mortgage Lending
(972) 217-5593
[email protected]
30/06/2024
My prayer for you this morning:
The next 6 months of your life are going to be better than the last 6 months of your life!! In Jesus' name!! Amen 🙌🏽🙏🏽
21/06/2024
Still saving for that down payment? I can help you get into the home of your dreams with no down payment required upfront. Call me today!
**Disclaimer: This is down payment only. All closing costs still.apply
19/06/2024
Our 0%Down Purchase program allows us to help more borrowers get into a home right now without having to pay anything down. By the borrower not having to put anything down, this helps reduce their closing costs substantially!
***THIS IS NOT 100% FINANCING. Borrowers still need to have the funds to close.***
19/06/2024
16 For all that is in the world, the lust of the flesh, and the lust of the eyes, and the pride of life, is not of the Father, but is of the world. (1 John 2) Be blessed!
08/06/2024
***COMING SOON***
To schedule an appointment to view the property, please reach me for a quick and easy pre-approval and please contact the Listing Agent to set an appointment to see the property!!
SM Mortgage Lending
05/06/2024
All applications accepted with approved credit and verified income.
05/06/2024
What a GREAT month!! I'll let the numbers speak for themselves!💪🏽
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https://linktr.ee/nikkimccray_theloanlady, https://edgehomefinance.com/team-member/shenique-mccray/
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Just had another instant closing at Title today and I couldn't be happier! Smooth and easy process from application to close!! No more waiting and stressing, now I can finally focus on doing the same for my next deals! Cheers 🍾🥂to a quick and hassle-free homeownership for my borrowers! 🏡🔑💙 #HomeSweetHome #InstantMortgageClosing #Smoothoperator #whosnext #Realtors #LO #BrokersAREBetter #SMMortgageTeam #edgehomefinance SM Mortgage Team, NMLS#1885306 972-217-5593 (call/text) or DM [email protected] OR [email protected]
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