Savvier Realty with Caroline Simmons

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🤔 Are high interest rates holding you back from buying your dream home? 📈 Worry no more! Our 2-1 Buydown Down Payment As...
11/28/2023

🤔 Are high interest rates holding you back from buying your dream home? 📈 Worry no more! Our 2-1 Buydown Down Payment Assistance Program is here to help you overcome financial hurdles and step into your new home with ease.

🌟 Key Benefits:

🪴Only 600 minimum FICO score required
🪴3.5% Assistance Funds towards Down Payment or Closing Costs
🪴2-1 Buydown Option for More Savings
🪴Repayable 2nd or Forgivable 2nd, with flexible terms
🪴No Maximum Debt-to-Income (DTI) Ratio to worry about.
🪴Suitable for Everyone - No First Time Home Buyer Requirement.

Take the leap towards homeownership today! 🏠✨ Schedule your Discovery Call at ChatwithCaroline.com to Get Started!

Welcome to WORLD SAVINGS DAY! Keep your term the same while modifying your loan to fit your current budget — it’s the pe...
10/31/2023

Welcome to WORLD SAVINGS DAY! Keep your term the same while modifying your loan to fit your current budget — it’s the perfect balance. Call today to learn how you could potentially $AVE thousands in interest.

🏡📣 Hey, folks! Ever wondered what those "escalation clauses" are in real estate offers? 🤔 Let's break it down!📈 An escal...
10/14/2023

🏡📣 Hey, folks! Ever wondered what those "escalation clauses" are in real estate offers? 🤔 Let's break it down!

📈 An escalation clause is a savvy strategy used by buyers to increase their chances in a competitive market. Here's how it works:

🔼 Say you're making an offer on a house listed at $300,000. You can include an escalation clause that states you'll beat any competing offer by a specific amount, let's say $5,000, up to a maximum price.

📊 So, if someone else offers $305,000, your clause automatically kicks in, and your offer becomes $310,000. It helps you stay in the game without constantly revising your offer.

✅ However, keep in mind:
1️⃣ Be careful with your maximum price – don't overcommit!
2️⃣ Ensure the clause has clear terms and conditions.
3️⃣ Consult with your real estate agent to navigate this strategy wisely.

💡 Escalation clauses can be a powerful tool, but they're not for every situation. They work best in hot seller's markets when competition is fierce. Always discuss with your agent to decide if it's right for you.

🏡🤝 Happy house hunting, everyone! Questions? Drop them below.

Looking to get some extra cash out of your home? A Home Equity Line of Credit (HELOC) might be the perfect solution for ...
09/28/2023

Looking to get some extra cash out of your home? A Home Equity Line of Credit (HELOC) might be the perfect solution for you! With a HELOC, you can tap into the equity you've built in your home and use it for various expenses like home renovations, education, or even debt consolidation. It's a flexible and convenient option that allows you to access funds whenever you need them. Give us a call today to learn more about how a HELOC can benefit you and your home!

Self-employed borrowers, listen up! 👂 It can be tough to show enough income to qualify for a . And gathering the necess...
09/05/2023

Self-employed borrowers, listen up! 👂 It can be tough to show enough income to qualify for a . And gathering the necessary income docs is a hassle. But don't worry, help is here!

I'm talking about bank statement loans. These loans let you qualify for a mortgage based on your personal or business bank statements 📃 instead of tax returns, pay stubs, or W-2s. That means less paperwork and more time for you to focus on the important stuff, like finding your dream home. 🏡

There are 4 different bank statement loan options available, so you can choose the one that's right for you. And each option comes with its own set of borrower qualifications and investor guidelines. Let's talk and I can recommend the best options for you. (CALL ME AT 404.333.8685!)

-Employed

08/15/2023

If you're looking to buy a condo, you may have heard the term "non-warrantable." This means that the condo does not meet the conventional guidelines of FHA, VA, Fannie Mae, and Freddie Mac, and therefore may be more difficult to finance.

But don't worry, there are still options available to you! I have a number of lenders who specialize in non-warrantable condos to help you get the financing you need.

So what are some of the things that can make a condo non-warrantable?

❎ Reserves budget is under 10% of income
❎ Has an overabundance of rentals
❎ Allows short-term rentals
❎ Single entity owns over 10% of the units
❎ High amount of debt

If you're considering buying a non-warrantable condo, it's important to do your research and understand the risks involved.
I live in a non-warrantable condo! It is still possible to achieve your dream of homeownership by buying a condo!

So what are you waiting for? Start shopping for your non-warrantable condo today!

My loan program bucket 🪣 just keeps getting wider!

🏡 Ready to buy a house? We've got your back! 🦆💪 We'll help you get everything in order so you can secure the best loan a...
07/11/2023

🏡 Ready to buy a house? We've got your back! 🦆💪 We'll help you get everything in order so you can secure the best loan available. No worries, our SOFT credit inquiry won't impact your score! Just drop us a text to 404.333.8685 and kickstart this exciting journey! Let's make your dream home a reality! 🏠✨

Are your clients in the market for a non-traditional ? You may have come across some unfamiliar terms like Non-Qualifie...
06/23/2023

Are your clients in the market for a non-traditional ? You may have come across some unfamiliar terms like Non-Qualified Mortgage ( ) products, bank statement, asset depletion, and DSCR. These terms refer to options that are becoming increasingly popular, especially for self-employed individuals and those with non-traditional income streams. Non-QM loan products are loans that don't meet the strict criteria of traditional lenders, while bank statement refers to using to verify income. involves using your assets as a source of income, and stands for Debt Service Coverage Ratio, which measures your ability to meet debt obligations. If you're considering these options, make sure to do your research. Call me to discuss your options!

In a hurry? We have the technology that lets you close your loans in 20 days or less. Call our team of experts today or ...
05/18/2023

In a hurry? We have the technology that lets you close your loans in 20 days or less. Call our team of experts today or visit www.ApplyWithCaroline to start your application!

Getting -approved is something every borrower should do. Here's why: - You'll know what you can afford- It gives you n...
05/18/2023

Getting -approved is something every borrower should do.

Here's why:
- You'll know what you can afford
- It gives you negotiating power
- It makes your offer stronger.

Call us today to get pre-approved!

Address

3500 Lenox Road, Suite 1500
Atlanta, GA
30326

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 11am - 4pm

Telephone

+14046922447

Website

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