Iknowamortgageguy.com

Have you been told "NO" and think that's the end. Let me help you become a homeowner! 26 years of turning No's into closings.

"😟 Did your home inspection not go well? Found a cash or conventional 'as is' property, or spotted the perfect move-in ready home but want to make it your own? Don't walk away—let's fix it up!

At iknowamortgageguy, LLC, I offer one-time close rehab purchase or refinance construction loans for FHA, VA, and Conventional options. Here's why it's a game-changer:

All funding handled in-house (no third-party hassles).
Close in 30 days or less, with construction completed within 6 months.
Credit requirements: FHA (580+ with 3.5% down, or 580 or less with 10% down), Conventional & VA (620+ with as little as zero down to 5%).
I’ll guide you every step of the way to turn that fixer-upper into your dream home. Ready to get started? DM me for a free consultation or loan review today! 🏡🔧 "

.50 drop in Fed rate today, another .50 by end of the year, and 1% drop for all of 2025. Please remember these rate reductions affect credit card rates, heloc rate adjustable rates, mortgage adjustable rates and adjustable student loans. These reductions do not translate into a real .50 drop in fixed mortgage rates. The mortgage market has had this priced in for the last 3 weeks, which is why we have some of the best rates since Covid.

WOW, 30 yr fixed FHA, 680 credit score, 2% origination fee, rate of 4.875% with no underwriting fee. apr 5.98.

30 year fixed FHA, no origination or underwriting fee, 680 credit rate of 5.625%/6.74% apr

Next week is the Federal Reserve meeting and they will be lowering the Fed rate. The decision has already been priced into the mortgage interest rates for the last couple of weeks. This particular lender if offering these rates thinking the Fed will super size this rate cut. So take advantage of their of hopes for a larger than expected rate cut. If you have a loan in process with another lender and the appraisal has been ordered, call me, I can close a new submission in under 14 days. 314.607.8551 or 832.384.8900 lending in Missouri and Texas.

PSA FOR CONDO, VILLA OR TOWNHOUSE OWNERS!!! DO NOT DELAY!! Call your insurance agent TOMORROW and add Loss Assessment coverage it is very inexpensive. It is certainly better then having to come up with $2083.33 because the current master condo insurance policy no longer covers all of the required deductibles. This is my 3rd client calling asking if this is real, it is and very unfortunate. 3 different complexes all hit by recent storms. Please attend any and all condo board meeting. Unfortunately, this client missed a meeting last November. It was scheduled for late afternoon in the middle of the week when 75% of the complex couldn't attend to vote and the lower deductible passed. Please don't miss the chance to vote or miss any meeting called by your HOA board. It can literally save you thousands!

https://hntrbrk.com/were-you-ripped-off/ If you're buying a home or if you sell homes, you need to check out your loan officers. I see many realtors co-marketing with lenders that do not shop for the best loans or rates. Stop missing out on owning a home because you were pointed towards the wrong lender. All you need is the loan officer's NMLS number and you can see if the loan officer is working for you or against you!

Were you ripped off? Hunterbrook Media is an open-source investigative reporting and global breaking news outlet.

The true meaning of Memorial Day is to remember those who gave their lives to defend our country. Below is a letter Audra's grandmother, her dad's mother, received. This was about 30 days after the end of WWII, where Audra's grandfather was killed in action. Only 18 days before the end of the war. God bless those who gave their lives for our freedoms and their families.

The Leverage to Expand Investment Portfolios:
We offers the DSCR Investor Solutions program for investors looking to purchase or refinance based on their rental property income. DSCR Investor Solutions can help create more opportunities for residential real estate investors with less documentation than a traditional full-doc loan.
Take a look at what DSCR Investor Solutions has to offer:
• Loan amounts from $100,000 to $3.5 million
• DSCR >=1.0; LTV to 80%
• DSCR < 1.0; LTV to 75%
• FICOs to 640
• Available for purchases, rate-term or cash-out refinance - condotels are eligible
• Prepayment penalty options to help manage cashflow* (where allowed)
• Can close in an LLC
• Estimated short-term rental income allowed via AirDNA
I am here to help your clients grow or improve their cash-flow in their rental portfolio. Let’s connect and get started today!

*Other loan features or restrictions may apply.

In Missouri call 314.607.8551 and in Texas 832.384.8900

This has become my most popular loan program along with the FHA 203k, they work the same. Stop missing out on the listings that need some tender loving care, we can finance the improvements. These loans close just as fast as any other home loan.

Fannie Mae’s HomeStyle® and Freddie Mac’s CHOICERenovation® loan programs are solutions for financing home improvements, designed for borrowers looking for convenience and cost savings by financing both their home purchase or refinance and renovation costs in a single loan.

An affordable loan option for qualifying clients. Clients pay a minimum of 1% down payment and the remaining 2% down payment will be covered.

Qualifications:
Min. credit score required: 620
Min. client down payment required: 1%
Income Limit: 80% area median income (AMI) St. Louis $80,640
Max. loan amount: $350,000