How Homeownership Multiplies Your Net Worth LOANS James Graff 732-500-MU...

FREE no SS#/stress/hassle/obligation mortgage help: https://958.prequalifyme.today ... If you're renting, now may be a great time to buy a home and start growing your net worth. Homeownership is one the best ways to build your financial future. Today, homeowners have an average net worth that's 40x great than that of renters. $255,500 versus $6,300 Almost 50% of that net worth come in the form of homeownership. $135,000 other assets versus $120,000 Homeownership. Taking advantage of today's low mortgage rates to buy a home is a fantastic way to make your financial future a little brighter. Let's connect to determine your best move toward homeownership. FREE MORTGAGE CALCULATORS (including RENT VERSUS BUY/OWN!): https://JGraff.AdvisorsMortgage.com/calculators FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE Real Estate Tips, Advice, News, Info: http://RealEstateWithAdvisorsJG.com FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #networth #rates #interestrates #rentvsbuy #rentvsown #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

Are There Special Mortgages for First-Time Homebuyers? YES!... HOME LOAN...

Are There Special Mortgages for First-Time Homebuyers? YES! Contact me today to discuss: 732.500.6883 or https://958.prequalifyme.today for no SS#/hassle/obligation help... rate quotes, questions answered...

Yes, lenders now offer several affordable mortgage options which can help first time homebuyers overcome obstacles that made purchasing a home difficult in the past.

Lenders may now be able to help homeowners who don't have a lot of money saved for the down payment and closing costs, have no or poor credit history, have quite a bit of long term debt, or who have experienced income irregularities.

#firsttimehomebuyer #homebuyers #LowDownPaymentDeals #nodownpayment #lowcreditscore #debtconsolidation #Debtconsolidate #mortgage #homeownership #homeloans

Why Pre-approval is Key in 2021 HOME LOANS James Graff 732-500-MUTE Adv...

Why Pre-approval is Key in 2021 HOME LOANS James Graff 732-500-MUTE Advisors Mortgage Group, L.L.C.

Contact me today to discuss: 732.500.6883 or
https://958.prequalifyme.today for no SS#/hassle/obligation help...
rate quotes, mortgage and real estate finance questions answered, etc.
#realestate #mortgage #realtor #home #interestrates #homeownership #homebuyers #mortgages #realestateagent #refinance 

How to Budget Your Monthly Mortgage Payment LOANS James Graff 732-500-MU...

Get in touch with me today to discuss: 732.500.6883 or https://958.prequalifyme.today for no hassle/obligation/SS# help...rate quotes, mortgage/loan questions answered, etc. How to Budget for Your Monthly Mortgage Payment Net Income: First determine your net monthly income. This is the amount of money that goes into your bank account monthly - including monthly salary, benefits, alimony, or child support. Fixed Expenses: Identify the expenses that occur every month, such as your rent, utilities, debt payments, child care, gym memberships and other monthly subscriptions Irregular expenses: These are expenses that don't occur monthly like haircuts, gifts, travel, semi annual insurance payments and annual subscriptions or dues. To account for these in your monthly budget, estimate the yearly total and divide by twelve. Discretionary spending: Finally account for your savings and discretionary (chosen) spending. Make sure to include your passions into your budget because these are the items that need to be balanced when you are taking on new financial responsibilities. FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 How to Budget for Your Monthly Mortgage Payment Net Income: First determine your net monthly income - including monthly salary, benefits, alimony, or child support. Fixed Expenses: Identify the expenses that occur every month, such as your rent, utilities, debt payments, child care, gym memberships and other monthly subscriptions Irregular expenses: These are expenses that don't occur monthly like haircuts, gifts, travel, semi annual insurance payments and annual subscriptions or dues. To account for these in your monthly budget, estimate the yearly total and divide by twelve. Discretionary spending: Finally account for your savings and discretionary (chosen) spending. Make sure to include your passions into your budget because these are the items that need to be balanced when you are taking on new financial responsibilities. HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

How are pre-qualifying and pre-approval different HOME LOANS James Graff...

How are pre-qualifying and pre-approval different HOME LOANS
James Graff Call me today to discuss: 732.500.6883 or get no hassle/obligation/SS# rate quotes, mortgage questions answered: https://958.prequalifyme.today
NMLS# 1974758
Advisors Mortgage Group, L.L.C. NMLS# 33041

https://958.prequalifyme.today FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE Real Estate Tips: http://RealEstateWithAdvisorsJG.com FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

What is a mortgage? Maybe, for some, we ought to start with the basics? ...

"...Look -- (Applause) -- I understand that many of my fellow Americans view the future with fear and trepidation. I understand they worry about their jobs. I understand like my dad, they lay in bed wondering, can I keep my health care,

can I pay my MORTGAGE?

Thinking about their families, about what comes next. I promise you, I get it...."

What is a mortgage? Maybe, for some, we ought to start with the basics? ...

Untitled

• What is a mortgage? Maybe, for some, we ought to start with the basics? James Graff - Certified Mortgage Loan Originator -
  
  Call now: 732.500.6883 or
  
  Apply now: https://JGraff.AdvisorsMortgage.com/startapp

Highest 10 Year Treasury yield in a year Refinance? James Graff 732-500-...

Rates have risen a little recently, due to the market’s concern that there will be increased spending, debt, and inflation. The 10-Year Treasury yield is now at its highest level in a year. How can this happen when the Fed Funds Rate remains at zero? Let’s remember that the Fed Funds Rate and Mortgage Rates are two very different things. And even though we’ve seen a little move higher in mortgage rates, they are still near all-time low levels. It may still be very advantageous to consider refinancing in order to save money each month. Additionally, this could be a great opportunity to consolidate your debts and reduce your mortgage term because of the widespread increases we’ve seen in real estate values. I’m James, call me to see if refinancing makes sense to you.
APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

Why Pre-Approval Is Key in 2021 - Call me today at 732.500.6883 to talk about why pre-approval is so critical or fill out our online app to possible pre-approval: JGraff.AdvisorsMortgage.com/startapp or to simply pre-qualify: JGraff.AdvisorsMortgage.com/prequalify #preapproval #loan https://www.simplifyingthemarket.com/videos/view?vid=f479466a&a=647208-fab0630da22bbb1d4ff1e8ced6fc5c42

Why Pre-Approval Is Key in 2021 - Call me today at 732.500.6883 to talk about why pre-approval is so critical or fill out our online app to possible pre-approval:

JGraff.AdvisorsMortgage.com/startapp

or to simply pre-qualify:

JGraff.AdvisorsMortgage.com/prequalify

#preapproval #loan

https://www.simplifyingthemarket.com/videos/view?vid=f479466a&a=647208-fab0630da22bbb1d4ff1e8ced6fc5c42

Buying a home in today’s sellers’ market doesn’t have to feel medieval. Contact me today at 732.500.6883 or https://jgraff.advisorsmortgage.com/contact to discuss how a Pre-Approval letter is a game-changing piece of the homebuying process. Click this link to Apply Now to start your Pre-Approval process - https://jgraff.advisorsmortgage.com/prequalify

WINNING AS A BUYER IN A SELLERS’ MARKET

Buying a home in today’s sellers’ market doesn’t have to feel medieval.
Contact me today at 732.500.6883 or https://jgraff.advisorsmortgage.com/contact to discuss how a Pre-Approval letter is a game-changing piece of the homebuying process.
Click this link to Apply Now to start your Pre-Approval process - https://jgraff.advisorsmortgage.com/prequalify

Recent move in rates James Graff 732-500-MUTE Facebook.com/mmls1974758 A...

Rates have risen a little recently, due to the market’s concern that there will be increased spending, debt, and inflation. The 10-Year Treasury yield is now at its highest level in a year. How can this happen when the Fed Funds Rate remains at zero? Let’s remember that the Fed Funds Rate and Mortgage Rates are two very different things. And even though we’ve seen a little move higher in mortgage rates, they are still near all-time low levels. It may still be very advantageous to consider refinancing in order to save money each month. Additionally, this could be a great opportunity to consolidate your debts and reduce your mortgage term because of the widespread increases we’ve seen in real estate values. I’m James, call me to see if refinancing makes sense to you. FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

Refinance? Rates rising but may still make sense James Graff 732-500-MUT...

Rates have risen a little recently, due to the market’s concern that there will be increased spending, debt, and inflation. The 10-Year Treasury yield is now at its highest level in a year. How can this happen when the Fed Funds Rate remains at zero? Let’s remember that the Fed Funds Rate and Mortgage Rates are two very different things. And even though we’ve seen a little move higher in mortgage rates, they are still near all-time low levels. It may still be very advantageous to consider refinancing in order to save money each month. Additionally, this could be a great opportunity to consolidate your debts and reduce your mortgage term because of the widespread increases we’ve seen in real estate values. I’m James, call me to see if refinancing makes sense to you. FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

4 reasons people are buying homes in 2021 HOME LOANS James Graff 732-500...

4 Reasons People Are Buying Homes in 2021

 Tuesday January 12th, 2021  First Time Home Buyers, For Buyers, Interest Rates, Move-Up Buyers

According to many experts, the real estate market is expected to continue growing in 2021, and it’s largely driven by the lasting impact the pandemic is having on our lifestyles. As many of us spend extra time at home, we’re reevaluating what “home” means and what we may need in one going forward.

Here are 4 reasons people are reconsidering where they live and why they’re expecting to buy a home this year. 

1. Record-Low Mortgage Interest Rates

In 2020, the average interest rate for a 30-year fixed mortgage hit a record low 16 times, continuing to fall further below 3%. According to Freddie Mac, the average 30-year fixed interest rate today is 2.65%. Many wonder how low these rates will go and how long they’ll last. Len Keifer, Deputy Chief Economist for Freddie Mac, advises:

“If you’ve found a home that fits your needs at a price you can afford, it might be better to act now rather than wait for future rate declines that may never come and a future that likely holds very tight inventory.”

This sense of urgency is driving many to buy this year.

2. Working from Home

Remote work is a new normal for many businesses, and it’s lasting longer than most expected. Many in the workforce today are discovering they don’t need to live close to the office anymore and they can get more for their money by moving a little further outside of the city limits. David Mele, President at Homes.com, says: 

“The surge in the work-from-home population has rewritten the playbook for many homebuying and rental decisions, from when and where to relocate, to what people are looking for in their next residence.”

The reality is, for some people, working remotely in their current home is challenging, especially when there may be other options available.

3. More Outdoor Space

Another new priority for homeowners is having more usable outdoor space. Being at home is driving those in some areas to seek less densely populated neighborhoods so they have more room to stretch their legs. In addition, those living in apartments and townhomes are often looking for extra square footage, both inside and out.

According to the State of Home Spending report by HomeAdvisor, of the households surveyed, almost half reported spending 27% more on outdoor living over the past year. This is a trend that’s expected to grow in 2021 and beyond.

4. Avoiding Renovations

It’s recently come to light that many homeowners would also rather buy a new home than go through the process of fixing up the one they have. According to the 2020 Profile of Home Buyers and Sellers report from the National Association of Realtors (NAR), 44% of homebuyers purchased a new home to “avoid renovations or problems with the plumbing or electricity.”

Depending on what needs to be addressed, today’s high buyer demand may make it possible to skip some renovations before selling. Many of these homeowners have prioritized buying over renovating for convenience and potential cost savings.

Bottom Line

It’s clear that homeownership needs are changing. As a result, Americans are expected to move in record numbers this year. If you’re trying to decide if now is the right time to buy a home, let’s connect today to discuss your options.