Virginia Mortgage Loans

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Thinking about selling? Before listing your current house, take a moment to plan your next move. In today's real estate market, exploring all your options is key – from existing homes to newly built ones. If you're curious about the options in our area, I'm here to help. Let's chat. #exploreyouroptions #sellerchoices www.DanFreshley.com

Thinking about selling? Before listing your current house, take a moment to plan your next move. In today's real estate market, exploring all your options is key – from existing homes to newly built ones. If you're curious about the options in our area, I'm here to help. Let's chat. #exploreyouroptions #sellerchoices www.DanFreshley.com http://dlvr.it/T0LBzh

Thinking about selling? Before listing your current house, take a moment to plan your next move. In today's real estate market, exploring all your options is key – from existing homes to newly built ones. If you're curious about the options in our area, I'm here to help. Let's chat. #exploreyouroptions #sellerchoices www.DanFreshley.com

#ForBuyers #ForSellers #HousingMarketUpdates Expert Quotes on the 2024 Housing Market Forecast: If you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market in 2024. http://dlvr.it/T0L0t6

#ForBuyers #ForSellers #HousingMarketUpdates Expert Quotes on the 2024 Housing Market Forecast: If you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market in 2024. http://dlvr.it/T0L0t6 /> http://dlvr.it/T0L1Dw

Expert Quotes on the 2024 Housing Market Forecast

If you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market in 2024. http://dlvr.it/T0L0rH

Why Now Is Still a Great Time To Sell Your House

December 18, 2023

If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. http://dlvr.it/T0HY3F

Experts Forecast Home Prices Will Go Up Over the Next 5 Years Experts forecast home prices will go up over the next five years. Let’s connect to discuss why that’s a good thing for you. #homepriceforecast #homeprices www.DanFreshley.com

December 16, 2023

Experts Forecast Home Prices Will Go Up Over the Next 5 Years Experts forecast home prices will go up over the next five years. Let’s connect to discuss why that’s a good thing for you. #homepriceforecast #homeprices www.DanFreshley.com http://dlvr.it/T0D2lr

Mortgage refinance demand jumps 19% after rates hit lowest level since July

Mortgage refinance demand jumps 19% after rates hit lowest level since July http://dlvr.it/T05JD4

Refinancing Activity Responds to Rate Drop

Borrowers took advantage of lower mortgage rates again last week, seizing the opportunity, especially for refinancing. The Mortgage Bankers Association (MBA) said its seasonally adjusted Market Composite Index, a measure of mortgage loan application volume, increased 7.4 percent on a seasonally adjusted basis compared to the prior week and was 6.0 percent higher on an unadjusted basis. The Refinance Index spiked a 19 percent gain week-over-week and was 27 percent higher than the same week one year ago. The refinance share of mortgage activity increased to 39.2 percent of total applications, its largest share since March 2022, up from 34.7 percent the previous week. [refiappschart] The seasonally adjusted Purchase Index rose by 4.0 percent from a week earlier although was 1.0 percent lower before adjustment and 18 percent below its level during the same week in 2022. [purchaseappschart] “Mortgage rates dropped last week, as incoming data point to a slowing economy and support a pivot ...

Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think. Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less. First-Time and Repeat Buyers Are Often Eligible According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance programs. And it’s not just first-time homebuyers that are eligible. That means no matter where you are in your homebuying journey, there could be an option available for you. As Down Payment Resource notes: “You don’t have to be a first-time buyer. Over 39% of all [homeownership] programs are for repeat homebuyers who have owned a home in the last 3 years.” The best place to start as you search for more information is with a trusted real estate professional. They’ll be able to share more information about what may be available, including additional programs for specific professions or communities. Achieving the dream of having a home may be more within reach than you think, especially when you know where to find the right support. To learn more about your options, DM me. #firsttimehomebuyer #opportunity www.DanFreshley.com

ICYMI: Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think. Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less. First-Time and Repeat Buyers Are Often Eligible According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance programs. And it’s not just first-time homebuyers that are eligible. That means no matter ...

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Down Payment Assistance Programs Can Help Pave the Way to Homeownership: If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. http://dlvr.it/T02BKX

ICYMI: #ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Down Payment Assistance Programs Can Help Pave the Way to Homeownership: If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. http://dlvr.it/T02BKX /> http://dlvr.it/T04kmm

The Surprising Trend in the Number of Homes Coming onto the Market

If you're thinking about moving, it's important to know what's happening in the housing market. http://dlvr.it/T04kVl

Super Jumbo, HELOC, DSCR, CRM Texting, Servicing Rights, QC Products; Fannie/Freddie Updates

Today I head to Northern California, home of plenty of technology. The other day I went to the doctor and the receptionist handed me a tablet and said, “Please fill out these medical forms on the screen, which are identical to the ones you filled out earlier online, and have the exact same questions your doctor will ask you later in the exam room.” Great. There’s nothing like old-fashioned printed things. I am sure that menu Quick Response (QR) codes are fine, but plenty of other QR codes are not: beware! “The Federal Trade Commission (FTC) warned the public against scanning any old QR code in a consumer alerts blog last week. Naturally, the warning comes down to security and privacy: bad actors can put QR codes in inconspicuous places or send them via text or email, then just sit back and wait for a payday in the form of money, logins, or other sensitive information. Lord knows that the mortgage industry has enough challenges from lousy characters without more of it coming our way! (T...

Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think. Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less. First-Time and Repeat Buyers Are Often Eligible According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance... #firsttimehomebuyer #opportunity www.DanFreshley.com

Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think. Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less. First-Time and Repeat Buyers Are Often Eligible According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance... #firsttimehomebuyer #opportunity www.DanFreshley.com http://dlvr.it/T02P7r

Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think. Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less. First-Time and Repeat Buyers Are Often Eligible According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance programs. And it’s not just first-time homebuyers that are eligible. That means no matter where you are in your homebuying journey, there could be an option available for you. As Down Payment Resource notes: “You don’t have to be a first-time buyer. Over 39% of all [homeownership] programs are for repeat homebuyers who have owned a home in the last 3 years.” The best place to start as you search for more information is with a trusted real estate professional. They’ll be able to share more information about what may be available, including additional programs for specific professions or communities. Achieving the dream of having a home may be more within reach than you think, especially when you know where to find the right support. To learn more about your options, DM me. #firsttimehomebuyer #opportunity www.DanFreshley.com

Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think. Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less. First-Time and Repeat Buyers Are Often Eligible According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance programs. And it’s not just first-time homebuyers that are eligible. That means no matter where y...

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Down Payment Assistance Programs Can Help Pave the Way to Homeownership: If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. http://dlvr.it/T02BKX

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Down Payment Assistance Programs Can Help Pave the Way to Homeownership: If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. http://dlvr.it/T02BKX /> http://dlvr.it/T02Bvg

Down Payment Assistance Programs Can Help Pave the Way to Homeownership

If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. http://dlvr.it/T02BLL

The Perfect Home Could Be the One You Perfect After Buying

December 11, 2023

There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford. http://dlvr.it/Szzj2G

When You Sell Your House, Where Do You Plan To Go? If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving more options. But you may also be wondering, once you sell, how does the current supply impact your own move? And, will you be able to find a home you want to buy with inventory this low? One thing that can help you find your next home is exploring all your options, including both homes that have been lived in before as well as newly built ones. Let’s look at the benefits of each one. The Pros of Newly Built Homes First, let’s look at the advantages of purchasing a newly constructed home. With a brand-new home, you’ll be able to: 1. Create your perfect home. 2. Cash-in on energy efficiency. 3. Minimize the need for repairs. 4. Have brand new everything. The Pros of... #expertanswers #stayinformed www.DanFreshley.com

December 09, 2023

When You Sell Your House, Where Do You Plan To Go? If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving more options. But you may also be wondering, once you sell, how does the current supply impact your own move? And, will you be able to find a home you want to buy with inventory this low? One thing that can help you find your next home is exploring all your options, including both homes that have been lived in before as well as newly built ones. Let’s look at the benefits of each one. The Pros of Newly Built Homes First, let’s look at the advantages of purchasing a newly constructed home. With a brand-new home, you’ll be able to: 1. Create your perfect home. 2. Cash-in on energy efficiency. 3. Minimize the need for repairs. 4. Have brand new everything. The Pros of... #expertanswers #stayinformed www.DanFreshley.com http://dlvr.it/Szw9pS

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #Demographics How To Turn Homeownership into a Side Hustle: Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? http://dlvr.it/Szmndn

December 07, 2023

ICYMI: #ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #Demographics How To Turn Homeownership into a Side Hustle: Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? http://dlvr.it/Szmndn /> http://dlvr.it/SzqKr3

Why You Need To Use a Real Estate Agent When You Buy a Home

December 07, 2023

If you’ve recently decided you’re ready to become a homeowner, chances are you’re trying to figure out what to do first. http://dlvr.it/SzqKHg

How To Turn Homeownership into a Side Hustle Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? According to Bankrate, many people are seeking additional income through side hustles, possibly to cope with those increasing expenses and save for a home. Here are two strategies that can not only make homeownership more affordable in the short term, but turn it into a lucrative side hustle that can pay off down the road. Transforming the Challenge of a Fixer-Upper into an Opportunity By opting for a home that requires some work, you may see two big benefits. For starters, you may find it’s easier to find a home because you’re not looking for that perfect option. Plus, it may also help you enter the housing market at a lower price point. This strategy provides a more affordable way to become a homeowner while also offering the... #expertanswers #stayinformed www.DanFreshley.com

How To Turn Homeownership into a Side Hustle Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? According to Bankrate, many people are seeking additional income through side hustles, possibly to cope with those increasing expenses and save for a home. Here are two strategies that can not only make homeownership more affordable in the short term, but turn it into a lucrative side hustle that can pay off down the road. Transforming the Challenge of a Fixer-Upper into an Opportunity By opting for a home that requires some work, you may see two big benefits. For starters, you may find it’s easier to find a home because you’re not looking for that perfect option. Plus, it may also help you enter the housing market at a lower price point. This strategy provides a more affordable way to become a homeowner while also offering the... #expertanswers #stayinformed www.DanFreshley.com http://dlvr.it/SznCqt

How To Turn Homeownership into a Side Hustle Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? According to Bankrate, many people are seeking additional income through side hustles, possibly to cope with those increasing expenses and save for a home. Here are two strategies that can not only make homeownership more affordable in the short term, but turn it into a lucrative side hustle that can pay off down the road. Transforming the Challenge of a Fixer-Upper into an Opportunity By opting for a home that requires some work, you may see two big benefits. For starters, you may find it’s easier to find a home because you’re not looking for that perfect option. Plus, it may also help you enter the housing market at a lower price point. This strategy provides a more affordable way to become a homeowner while also offering the potential for future profits. So, while you enjoy the satisfaction of turning a house into a home, you're also building equity that can be unlocked when it's time to sell. Renting Out a Portion of Your Home To Make It More Affordable Basically, it can help you afford your monthly mortgage payments. So if you’re open to it, renting out a portion of your home not only helps with affordability, but it also positions you as an investor and turns your home into a source of income. In the face of today’s affordability challenges, both of these strategies offer more attainable paths to homeownership, especially for younger buyers. If you want to discuss these options and see how they might play out for you in our local market, DM me. #expertanswers #stayinformed www.DanFreshley.com

How To Turn Homeownership into a Side Hustle Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? According to Bankrate, many people are seeking additional income through side hustles, possibly to cope with those increasing expenses and save for a home. Here are two strategies that can not only make homeownership more affordable in the short term, but turn it into a lucrative side hustle that can pay off down the road. Transforming the Challenge of a Fixer-Upper into an Opportunity By opting for a home that requires some work, you may see two big benefits. For starters, you may find it’s easier to find a home because you’re not looking for that perfect option. Plus, it may also help you enter the housing market at a lower price point. This strategy provides a more affordable way to become a homeowner while also offering the potential for future profits. So, while you enjoy the satisfaction of turning a house in...

Refinancing Perks Up as Rates Drop

Double-digit declines in many mortgage rates helped revive interest in refinancing last week and a subsequent increase in the Mortgage Bankers Association’s (MBA’s) Market Composite Index. The Index, a measure of application volume, rose 2.8 percent on a seasonally adjusted basis. Before adjustment, the Index was up 43 percent, due in large part to a rebound from Thanksgiving week. MBA said applications for refinancing were 14 percent higher than the previous week and 10 percent above the activity during the same week in 2022. The refinance share of applications reached 34.7 percent of total applications, up from 30.6 percent the previous week. [refiappschart] The seasonally adjusted Purchase Index slipped by 0.3 percent from one week earlier but was up 35 percent on an unadjusted basis. It was 17 percent lower than the same week one year ago. [purchaseappschart] “Mortgage rates declined last week, with the 30-year fixed-rate mortgage falling to 7.17 percent – the lowest level since Au...

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #Demographics How To Turn Homeownership into a Side Hustle: Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? http://dlvr.it/Szmndn

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #Demographics How To Turn Homeownership into a Side Hustle: Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? http://dlvr.it/Szmndn /> http://dlvr.it/SzmpFm

How To Turn Homeownership into a Side Hustle