Go Rascal Mortgage

April ended up being our biggest recruiting month on record at GoRascal.

17 new LOs joined the team, bringing $236M in 2025 volume with them.

The best part has been hearing the same things over and over in conversations lately - people are tired of overlays, slow ops, unnecessary friction, and feeling like they’re building their business alone.

Good loan officers want to move fast, close loans, and have real support behind them. That’s the environment we’re focused on building here.

Interested? Reach out to us now!

🎯 Ready to Buy Your Dream Home?

If you can check off this list:
✅ Credit score above 661
✅ No recent delinquencies
✅ DTI ratio under 25%
✅ No recent foreclosures

…then you’re in a strong position to get pre-approved and start house hunting! 🏡💼
Let’s turn those numbers into keys 🔑

Increasing your down payment or making extra principal payments can reduce monthly obligations without the cost of refinancing 💡🏡
Even small adjustments can save interest over the life of the loan and improve your overall financial flexibility.

Lower monthly payments give breathing room in your budget 💵
Shorter loan terms save on interest and help you pay off your home faster ⏳
Which would you pick? Comment below!

Switching jobs before closing can affect lender approval ⚠️💼
Lenders verify employment and income up until the loan funds. A sudden change can delay your closing or require additional documentation. Planning ahead and notifying your lender is crucial to avoid surprises.

🏡 The 4 C’s of Mortgage Financing 🏡

Before lenders approve your mortgage, they check these four key factors:

💳 Credit – Your score & history matter! Better credit = better loan terms.
💰 Capacity – Can you afford the loan? Your debt-to-income ratio is key.
🏠 Collateral – The property itself must meet lending requirements.
📑 Capital – Your down payment & source of funds show financial stability.

Know these C’s, and you’ll be ready to secure the best mortgage deal! 💼🔑

Happy Easter! 🐰✨ May your day be filled with chocolate, sunshine, and lots of smiles. 🌸🥚💛 Wishing you a joyful and sweet holiday with family and friends!

Student loans don’t automatically disqualify you from buying a home 🎓🏡
Lenders look at your debt-to-income ratio, payment history, and credit score. With careful planning, budgeting, and possibly a larger down payment, you can secure a mortgage even with student debt.

Paying bi-weekly instead of monthly can cut years off your mortgage and reduce interest costs 💸🏡
By making 26 half-payments a year instead of 12 full payments, you effectively make one extra monthly payment annually. Over time, this simple strategy can save thousands and help you pay off your home faster.