Eric Mbualungu at Atlantic Coast Mortgage

Happy Holidays from ACM! Thank you for another amazing year!

🔑 Sold! Congratulations to my client, Eric Mbualungu at Atlantic Coast Mortgage, on closing on his first home 🎉🥂

Eric is a lender who has assisted my clients in getting loans and grants to help them buy their dream homes. As always, it was great to work with Eric. But, this time it was more special as I was able to represent him in purchasing a home of his own 🏠

We were able to get this home with home inspection contingency, down payment assistance, and seller covering a year of home warranty 💰

Now is a good time to buy. Reach out to me if you’re interested in finding out if you qualify for a grant that will help you cover the down payment of your future home!
📱 (570)814-8879

https://linktr.ee/nicklistsnova [email protected] www.nicklistsnova.com

The earnest money deposit is an important part of the homebuying process. Simply put; it's the collateral you put down when you make an offer on a house. It not only tells the seller you are a committed buyer, but it also helps fund your closing costs.

Interested in learning more about your home purchase or refinance options? Contact us today!



- http://www.acmllc.com/eric-mbualungu

Workin hard and playin Hard! Just finished playing 9 holes and the weather was perfect ⛳️

Another satisfied client! I am absolutely honored to work with amazing people and be apart of their home buying experience!

If anyone is curious or would like some information on how to finance their home, feel free to reach out at any time!!!

New ★★★★★ 5 Star Experience.com Review by Carlos H

5.0 star review received on Experience.com for Eric Mbualungu by Carlos H - Eric made the process quick, easy. Will be recommending him to friends and family from now on!

New ★★★★★ 5 Star Experience.com Review by Carlos H Click to see all 3 reviews of Eric Mbualungu,
Loan Officer

New ★★★★★ 5 Star Experience.com Review by Tamesha B

New ★★★★★ 5 Star Experience.com Review by Tamesha B Click to see all 2 reviews of Eric Mbualungu,
Loan Officer

New ★★★★★ 5 Star Experience.com Review by Tamesha B

5.0 star review received on Experience.com for Eric Mbualungu by Tamesha B - Eric was great at communicating every step of the way. No matter when I had a question he was there to answer and explain. He was very professional and my overall experience was excellent.

New ★★★★★ 5 Star Experience.com Review by Tamesha B Click to see all 2 reviews of Eric Mbualungu,
Loan Officer

- http://www.acmllc.com/eric-mbualungu

Photos from Nick Thomas Real Estate's post

Beautiful night for networking on the Potomac! Thank you Zach Hoopes with National Settlement Services for having me👍🏽

A home inspection is exactly what it sounds like – no need to invent a buzzword for it. But, make no mistake, it’s a big deal. A qualified, professional home inspector is the only thing standing between you and a potentially regrettable large purchase.

Curious as to what's the difference between a cash-out refinance and a regular refinance? A cash-out refinance provides you with cash upfront. The tradeoff is this cash amount is now bundled into your new loan amount – think of it like an advance on the equity of your home.

The biggest advantage to a cash-out refinance is… the cash ??? You can use the money any way you wish!



- http://www.acmllc.com/eric-mbualungu

Don’t know what DTI means? It just stands for Debt-To-Income! Lenders use it by calculating all of your monthly debt payments divided by your gross monthly income to create a percentage. If your percentage is too high, it may affect your chance at a mortgage.



- http://www.acmllc.com/eric-mbualungu

Preapproval may seem like an optional first step to buying a home, but in reality, it’s one of the most important. It’s the strongest signal you can send to a seller: Not only are you ready to buy, but a lender thinks so too!



- http://www.acmllc.com/eric-mbualungu

Thank you to everyone who came out to last week’s event at Crafthouse! It was a pleasure seeing new faces and few familiar ones. Stay tuned for future events and engagement opportunities!
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Come network with me at the Crafthouse in Fairfax tonight 7-9PM! Join me for a great conversation, a little shop talk, and a lot of fun! Ill see you there👍🏽

No Wine-ing Tonight!!! 😁🍷Had a blast with Casals, Realtors Networking event! Discussing current Market trends and creating game plans to navigate this shifting market. Need to wine yourself??? Hit us up😁👍🏽

Wondering about closing costs? It’s not rocket science? (or the boogeyman?). Closing costs are the “cross your T’s & dot your I’s” fees: Things like lender fees, attorney fees, home inspection & appraisal fees.

Sound like a lot to manage? It’s not – especially with our help.



- http://www.acmllc.com/eric-mbualungu

The home-financing process can feel overwhelming for homebuyers, but it doesn't have to! Here are the 4 Simples Steps to homebuying with .

- http://www.acmllc.com/eric-mbualungu

6 simple things you can do make the homebuying process easier

1. Get Pre-Approved for your loan
2. Gather our paperwork ahead of time
3. Work with an experienced, reliable, and trustworthy mortgage lender
4. Know the neighborhood before you make an offer
5. Protect yourself by doing research upfront
6. Have realistic expectations

Wondering what is? Don’t – it simply means “annual percentage rate.” The most important thing to know when comparing APRs is just that a lower APR typically means lower monthly payments.

For any other questions you might have, reach out to us – we’re here to guide you home.



- http://www.acmllc.com/eric-mbualungu

You may be surprised to learn that the average 30-year, fixed mortgage rate is still comparatively lower than in decades past. Reach out today to gain more insight on how you may be able to succeed in today's competitive market.

- http://www.acmllc.com/eric-mbualungu

Happy Independence Day! After the last year, today feels extra special - the chance to gather with friends and loved ones is a treat I’ll never take for granted again. However you choose to celebrate today, I hope you and yours have a blast!

- http://www.acmllc.com/eric-mbualungu

New ★★★★★ 5 Star Experience.com Review by Kulneet S

5.0 star review received on Experience.com for Eric Mbualungu by Kulneet S - Eric did a great job communicating and assisting in closing in a timely and professional manner!

New ★★★★★ 5 Star Experience.com Review by Kulneet S Click to see all 1 reviews of Eric Mbualungu,
Loan Officer

Congratulations to Kulneet Singh! We just closed his Loan on his new primary Residence. Huge thank you to RGS Title for making the closing process smooth.

If anyone is interested in learning about how they can finance their first home. Please feel free to reach out to me at anytime!

Closing is a breeze – as long as you studied your closing disclosure. Think of it as a bundle of absolutely need-to-know details regarding your home loan. You’ll receive this document before closing, so you can discuss any concerns.



- http://www.acmllc.com/eric-mbualungu

6 simple things you can do make the homebuying process easier

1. Get Pre-Approved for your loan
2. Gather your paperwork ahead of time
3. Work with an experienced, reliable, and trustworthy mortgage lender
4. Know the neighborhood before you make an offer
5. Protect yourself by doing research upfront
6. Have realistic expectations

Don’t know what DTI means? It just stands for Debt-To-Income! Lenders use it by calculating all of your monthly debt payments divided by your gross monthly income to create a percentage. If your percentage is too high, it may affect your chance at a mortgage.



- http://www.acmllc.com/eric-mbualungu

This Father’s Day, I want to give a big shout-out to all the dads! It’s definitely not the easiest job in the world, but it’s one of the most important. Happy Father’s Day!

The earnest money deposit is an important part of the homebuying process. Simply put; it's the collateral you put down when you make an offer on a house. It not only tells the seller you are a committed buyer, but it also helps fund your closing costs.

Interested in learning more about your home purchase or refinance options? Contact us today!



- http://www.acmllc.com/eric-mbualungu

Home equity is simply the value of ownership you’ve built up in your home over time (excluding any loan balance secured by the home). The easiest way to think of it is just: (the amount of the loan you’ve paid off) = (your home equity) Just another reason to own instead of rent!



- http://www.acmllc.com/eric-mbualungu

A home inspection is exactly what it sounds like – no need to invent a buzzword for it. But, make no mistake, it’s a big deal. A qualified, professional home inspector is the only thing standing between you and a potentially regrettable large purchase.

Wondering “what is refinancing?” Don’t – it’s simply replacing your old mortgage with a new one to better fit your situation now. To answer your next question – yes, ACM has a lot of refinancing opportunities to offer!
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*By refinancing your existing loan, your total finance charges may be higher over the life of the loan.



- http://www.acmllc.com/eric-mbualungu

Memorial Day marks the chance to take stock of what really matters & reflect on what was sacrificed to earn it. To America’s service members past, present, and future – thank you. And to everyone else, I wish you a safe & relaxing Memorial Day.

- http://www.acmllc.com/eric-mbualungu

Curious as to what's the difference between a cash-out refinance and a regular refinance? A cash-out refinance provides you with cash upfront. The tradeoff is this cash amount is now bundled into your new loan amount – think of it like an advance on the equity of your home.

The biggest advantage to a cash-out refinance is… the cash ??? You can use the money any way you wish!



- http://www.acmllc.com/eric-mbualungu

Wondering about closing costs? It’s not rocket science? (or the boogeyman?). Closing costs are the “cross your T’s & dot your I’s” fees: Things like lender fees, attorney fees, home inspection & appraisal fees.

Sound like a lot to manage? It’s not – especially with our help.



- http://www.acmllc.com/eric-mbualungu