Let’s Talk Income | Qualifying with Different or Complex Income Situations

FHA or Conventional- Which One is Right for Me? | Finding The Best Loan Type for You

We get asked this a lot from first time home buyers, “Is FHA the best loan for me?” and today we are going to talk about it! The truth is… it depends! Every situation is different, and every loan is different. So, we are going to talk about some reasons why FHA or Conventional may be better for you! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr • TEXT “APPLY” to 239-437-4278 • Call me or text me 239-910-5668 • Talk to my team were here to help! 239-437-4278 • Check out my website www.TimHartJr.com Connect with me on Social Media Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Delayed Cash Out | Get Your Cash Back From Your Home Purchase

If you are considering paying cash for your home, but don’t want to be stuck depleting your asset accounts, we have a product that can help! Maybe you planned to pay with financing, but it fell through, and you had to use your retirement account. Or maybe you wanted to have an edge over financed buyers and decided to take your money out of your 401k so you could pay cash. We can help you recoup that money and put it back to work for you, with what we call “delayed cash out refinancing”. This refinance has no waiting period for your money to “season” as they say so it is ideal to get your cash back fast. Let’s talk about it! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr • TEXT “APPLY” to 239-437-4278 • Call me or text me 239-910-5668 • Talk to my team were here to help! 239-437-4278 • Check out my website www.TimHartJr.com Connect with me on Social Media Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Let’s Talk Income | Qualifying with Different or Complex Income Situations

Do you get bonuses? How about overtime, or maybe even commission? Today we are going to talk about these unique income situations and why your lender will want to see a strong history of these types of income. Let’s go! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr • TEXT “APPLY” to 239-437-4278 • Call me or text me 239-910-5668 • Talk to my team were here to help! 239-437-4278 • Check out my website www.TimHartJr.com Connect with me on Social Media Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Refinance to Payoff Debt | Paying Off Credit Cards with Your Home Equity

We have talked about it before, but there is always someone out there who needs to hear this. If you are stuck under debt, whether its credit cards, student loans or medical bills, your house just might be the answer. We can talk about how you could use the equity in your home to pay off these accounts and get out from under the debt! We just helped a borrower do this and she is saving over $1,000 a month! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr • TEXT “APPLY” to 239-437-4278 • Call me or text me 239-910-5668 • Talk to my team were here to help! 239-437-4278 • Check out my website www.TimHartJr.com Connect with me on Social Media Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Local Lenders Vs Big Banks | Why Use a Local Lender?

When it comes to getting a mortgage, who you use matters. We have talked about it before but there are some big differences between using a local lender and a big bank. Today I want to talk about some of those points, because getting a mortgage is one of the biggest purchases you will make, and we want your experience to be as smooth and painless as possible. So, check it out and see how using a local lender can save you a lot of hassle and time! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr • TEXT “APPLY” to 239-437-4278 • Call me or text me 239-910-5668 • Talk to my team were here to help! 239-437-4278 • Check out my website www.TimHartJr.com Connect with me on Social Media Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/