Sam Nixon, NMLS #1656554 Embrace Home Loans

Fed cuts the rate 50 bps, this was already calculated into mortgage rates going into today but between now and the next Fed meeting, in November, there should be more natural mortgage rate movement downward

Today, we honor and celebrate the incredible hard work and dedication of our team members and extend our heartfelt gratitude to our valued customers and partners. Wishing you a happy and restful Labor Day where you can enjoy some well-deserved relaxation.

https://www.embracehomeloans.com

Ready to turn your homeownership dreams into reality? The HomeReady® program makes it possible! Secure your home with as little as 3% down, benefiting from flexible options for both first-time and repeat buyers. This program welcomes low-income borrowers and those with credit scores starting at 660. Plus, eligible borrowers can receive a $2,500 VLIP credit to help with down payment and closing costs! Learn more today and start your journey to homeownership.

http://embracehomeloans.com/samuel-nixon

With an FHA100 loan from Embrace, your buyers get 100% financing! So
they’ll have the down payment and closing costs covered without touching
their trough. Have them reach out today.

http://embracehomeloans.com/samuel-nixon

Quench your thirst for homeownership with our refreshing approach! Embrace flexible paths to owning your dream home this summer. Sip on the sweet taste of freedom with our tailored Unconventional Loans. Whether you’re self-employed, have unique income sources, or seeking a non-traditional route, we’ve got you covered. Let’s toast to your journey towards homeownership! Learn more: [link]

http://embracehomeloans.com/samuel-nixon

Cool into a better rate this summer with our exclusive Rate Buydown program! Dive into savings with reduced interest rates upfront, giving you more financial flexibility over time. Whether you’re purchasing your dream home or refinancing, our customizable mortgage options cater to your needs. Embrace the season of savings and unlock the possibilities of homeownership today.

http://embracehomeloans.com/samuel-nixon

Read this article to learn about the impact of not closing on time and how a mortgage company, like Embrace, can help.

https://blog.embracehomeloans.com/the-repercussions-of-a-mortgage-not-closing-on-time/

Your credit score has a significant impact on the interest rate you will receive on your mortgage. This article will give you more insight on how lenders look at credit scores.

https://blog.embracehomeloans.com/how-your-credit-score-can-affect-the-interest-rate/

The lack of available homes adds an extra layer of sleuthing to an already high-pressure homebuying process. But fret not, because this article will guide you through it with some sanity-saving tips.

https://blog.embracehomeloans.com/how-to-maintain-your-sanity-when-house-hunting/

While you don’t need to keep every piece of mortgage paperwork forever, there are some documents you’ll need to retain for future reference. This article will let you know which ones to hold on to.

https://blog.embracehomeloans.com/how-long-should-you-keep-your-mortgage-docs/

Do you need help with real estate marketing for your business this summer? Here are some seasonal options you might want to consider when tailoring your marketing strategy.

https://blog.embracehomeloans.com/4-summer-marketing-ideas-for-real-estate-agents/

A preapproval is not a guarantee of a loan, and there are several do’s and don’ts to keep in mind after receiving your preapproval letter. Read this article to learn more.

https://blog.embracehomeloans.com/the-dos-and-donts-after-mortgage-preapproval/

Read this article to learn five signs that you might be ready to stop renting and start building equity in your own home.

https://blog.embracehomeloans.com/5-tell-tale-signs-you-may-be-ready-to-give-up-renting-and-buy-a-home/

Debt-to-Income ratio (DTI) is a crucial factor when applying for a mortgage because it helps lenders determine your ability to manage monthly payments and repay borrowed money. Read this article to learn more.

https://blog.embracehomeloans.com/why-your-dti-is-crucial-when-getting-a-mortgage/

The dream of owning a home remains a quintessential part of the American dream. However, for many young individuals, especially millennials and Gen Z, the dream seems increasingly out of reach due to soaring home prices. The real estate landscape has transformed dramatically over the past few years, with high home prices emerging as a significant barrier to entry for young homebuyers. That is why contacting a professional to assist you on the home mortgage side is so important when starting the process. I'm always here to answer questions you may have.

https://blog.embracehomeloans.com/high-home-prices-are-holding-back-young-homebuyers/

Good news for potential homebuyers! Experts predict that interest rates are set to improve by the end of 2024, possibly dropping below 6%. Now’s the perfect time to start planning your dream home purchase or refinance. Stay tuned for more updates and tips on navigating the housing market!

http://embracehomeloans.com/samuel-nixon

Buying a home in 2024 isn’t just about finding the perfect place. It’s about understanding the dynamic world of mortgage rates, where even slight fluctuations can impact your wallet. In this post we hope to empower with solid information so you can make informed decisions every step along the way.

https://blog.embracehomeloans.com/how-to-track-mortgage-rates-in-2024/

Buying a home is exciting, but it can also be overwhelming. In 2024, particularly, with a dynamic housing market and fluctuating mortgage rates, navigating the process requires strategic planning. One crucial step that can give you a significant advantage is getting pre-approved for a mortgage. This article will let you know why.

https://blog.embracehomeloans.com/the-power-of-pre-approval-start-your-homebuying-journey-right-in-2024/

It was my great pleasure to help these first time home buyers into a home. It took us over a year to get the right house but this Maryland Condo ended up being perfect for them and Embrace even got them reduced fees and reduced Mortgage insurance. Love getting great clients into new homes!

http://embracehomeloans.com/samuel-nixon

If you’re looking to buy a home but have bad, poor, or stressed credit, then choosing the right loan option is crucial. Not only will it make your application process easier, but it could mean the difference between getting that dream home and losing it. This article will help you understand your options.

https://blog.embracehomeloans.com/buying-a-house-with-bad-credit-can-it-be-done/

The 2024 housing market is poised for significant shifts, offering both challenges and opportunities for potential homebuyers. While the days of skyrocketing prices and intense bidding wars might be fading, navigating the market will still require careful planning and strategic decision-making.

https://blog.embracehomeloans.com/navigating-the-2024-housing-market-predictions-and-tips-for-homebuyers/

With higher loan limits, you could buy a home for up to $789,546 with as little as 3% down with a Conventional loan. Apply today and settle down in a new home.

https://www.embracehomeloans.com/loans/conventional

5.0 star review received on Experience.com for Samuel Nixon by Heather G - Extremely responsive. Answered all my questions and throughout this process I’ve had a lot of questions. Worked very hard to make sure that I had all of the information that we needed. Great working with Sam.

New ★★★★★ 5 Star Experience.com Review by Heather G Click to see all 7 reviews of Samuel Nixon, Junior Loan Officer | NMLS 1656554