Welcoem to posts!!
in the future - u will be able to do some more stuff here,,,!! like pat catgirl- i mean um yeah... for now u can only see others's posts :c
**TWO WAYS TO GET A LOWER HOUSE PAYMENT 🏡💰**
Most buyers don’t ask for these, but you can!
1️⃣ **Permanent Buydown**: Pay discount points upfront to lower your interest rate—and your payment—for the life of the loan. On a $400K loan, that could mean saving $130/mo.
2️⃣ **Temporary Buydown**: Lower payments for the first 2 years. Year one could save you $500/mo, year two $257/mo.
Ask for these options and save!
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New video posted about the Reverse Mortgage Line Of Credit. 👍
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🏡 THINK WAITING TO SAVE 20% IS WORTH IT?
Found a $450K home? A 5% down payment is $22,500. Some save for 20% to avoid PMI, but here’s the catch:
With good credit, PMI is $190/month—$9,120 over 4 years.
Meanwhile, that $450K home could appreciate to $547K, costing you $97K more just to skip PMI.
Still think waiting makes sense? 🤔
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🏡 PROTECT YOUR HOME AND FAMILY’S FUTURE 🏡
If something happens to you or your spouse, the court decides what happens to your assets through probate—a slow, costly process.
Avoid this by setting up a revocable living trust and placing your home in it. This ensures your property goes directly to the people you choose.
Secure your legacy! 💡
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🏡 REMINDER FOR FUTURE HOMEBUYERS 🏡
You haven’t missed your chance to own a home! Yes, prices are higher than 5 years ago—but so is everything else. 📈
Just like a quality stock, real estate is still a smart investment. Inflation isn’t going away, and those who own assets like homes and stocks will benefit most over time.
Ready to start? 🤔
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🏡 BEST TIME OF YEAR TO BUY A HOME 🏡
ATTOM Data analyzed 39 million deals and found October to December is the best time to buy. 🍂
Why? Less competition and sellers eager to close before year-end. Builders may also offer big incentives if you can close quickly.
The key? Know your budget and start your search early! 🎯
Do you agree?
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I totally outkicked my coverage with Mrs Dempsey. ❤️
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🏡 WHY HOMEOWNERS ARE LEAVING LOW MORTGAGE RATES 🏡
Homeowners are starting to sell despite low rates. Why?
Rates have cooled, and people want to upgrade or move.
They’re using gains from their home sale for down payments or to pay off debts, which can lower their total monthly costs—even with a higher mortgage.
Would you make the move? 🤔
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New Construction Buyer Beware!
Think you snagged a bargain on that new house?
Watch out—those low property taxes might just be on the land value. Once the county sees your shiny new home, expect a 'surprise' bill that could make your wallet cry.
To avoid a monthly mortgage meltdown, grill your lender on how they calculate property taxes. Better to ask now than be shocked later when your payments shoot up.
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The $56,000 Home Buying Mistake
One of the biggest errors young homebuyers make is thinking they need to save a 20% down payment to avoid PMI. Let’s crunch some numbers:
Imagine buying a $450,000 home with just 5% down, paying about $170/month in PMI. Over three years, that totals $6,120 in PMI.
But if you wait three years to save 20%, that home could cost $506,000 by then. That's effectively spending $56,000 more just to save $6,120 on PMI. Is it worth it?
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Hey I'm Emmett Dempsey! I'm a Mortgage Broker and Owner of Treasure Coast Mortgage in Florida, and I have been helping families with their home loan needs since 2007, and I would love to help your family next. Call/Text me at (772) 618-5058.
I am a US Army Veteran having served in South Korea and Fort Bragg (AIRBORNE!). I personally have a VA loan and love helping fellow Veterans with theirs as well.
I also discuss Reverse Mortgages, and I believe they are one of the most misunderstood loans that have the greatest benefit for Seniors. I did one for my own Mom before she died, and it helped her tremendously.
On this channel, I talk about general mortgage knowledge, loan types, housing market news, and of course interest rate news.
If you want to book a call to go over your scenario or get pre-approved ASAP the links are at the top right corner of my channel header. Talk soon!
Emmett Dempsey, NMLS 208522
Treasure Coast Mortgage, 1958997
Equal Housing Opportunity