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Wednesday Wellness - October 2, 2024

By
Mortgage and Lending with Rate, Inc NMLS# 2611 NMLS #151088
Taking control of your finances can be difficult to navigate and can feel overwhelming to begin. ​
When starting your financial journey, budgeting is an enormous tool to be aware of where your money is always. Planning, budgeting, and making sure you have emergency funds as a cushion during times of uncertainty can all help you gain greater control of your financial and gain overall wellness. ​
For more tips on financial wellness, download the RATE APP and start living your best life today! 
 
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It is always advisable to consult with a knowledgeable lending professional when navigating today's turbulent mortgage and real estate marketplace.  I am committed, qualified and equipped to help you evaluate your options!

 

Also check out:

Conventional Financing Mortgage Program Overview/Updates

FHA Financing Mortgage Program Overview/Updates

USDA Financing Mortgage Program Updates  

 

Programs Include:

 

  • Conventional (Fannie Mae & Freddie Mac)

  • FHA, USDA, & VA

  • Jumbo to $3,000,000

  • Bank Statement Program for Self-Employed Borrowers

  • Foreign National Program

  • Investor Cash Flow

  • Non-Warrantable Condos

  • Renovation - FHA 203(k), Fannie Mae HomeStyle Renovation, & VA Renovation

 

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  • Rodney Mason is a Licensed Branch Manager located in Atlanta, GA.   He can be reached at (404) 591-2453.
  • Providing financing for all cities across Georgia including: Acworth, Albany, Alpharetta, Athens, Atlanta, Augusta, Austell, Avondale Estates, Blairsville, Bloomingdale, Blue Ridge, Bogart, Brunswick, Buckhead, Buford, Canton, Carrollton, Cartersville, Chatsworth, Clayton, College Park, Columbus, Commerce, Conyers, Covington, Cumming, Dahlonega,  Dacula, Dalton, Dawsonville, Decatur, Doraville, Douglasville, Duluth, Dunwoody, East Point, Fayetteville, Flowery Branch, Gainesville, Greensboro, Hampton,  Hapeville, Hinesville, Hiram, Jackson, Jefferson, Jonesboro, Kennesaw, Lagrange, Lawrenceville, Lilburn, Lithia Springs, Macon, Madison, Metter, Morganton, Morrow, Newnan, Norcross, Oakwood, Peachtree City, Pooler, Richmond Hill, Riverdale, Rome, Roswell, Sandy Springs, Savannah, Scottdale, Statesboro, Stockbridge, Stone Mountain, St Marys, Sugar Hill, Suwanee, Thomasville, Thunderbolt, Tucker, Tybee Island, Valdosta, Waleska, Warner Robins, Waycross, Wilmington Island, Winder, Woodstock, and many more.

    Providing financing for all cities across Alabama including:
    Alabama Port, Anniston, Athens, Auburn, Bessemer, Birmingham, Boaz, Bridgeport, Cedar Bluff, Chickasaw, Clayton, Coden, Dauphin Island, Decatur, Dothan, Eufaula, Fairfield, Fairhope, Florence, Foley, Forestdale, Fort Morgan, Fort Payne,Gasden, Grand Bay, Gulf Shores, Heron Bay, Homewood, Hoover, Jasper, Josephine, Madison, Meadowbrook, Midfield, Mobile, Mon Louis, New Hope, Orange Beach, Oxford, Oyster Bay, Phenix City, Prichard, Rainbow City, Saraland, Satsuma, Scottsboro, Selma, Troy, Theodore, Tillmans Corner, Trussville, Tuscaloosa, Vestavia Hills, Warrior and many more.

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  • Providing financing for all cities across Florida including: Altamonte Springs, Atlantic Beach, Boca Raton, Bradenton, Cape Coral, Clearwater, Coral Springs, Daytona Beach, Delray Beach, Destin, Fort Lauderdale, Fort Myers, Fort Walton Beach, Gainesville, Hollywood, Homestead, Jacksonville, Jupiter, Key Largo, Key West, Lake City, Largo, Marathon, Mexico Beach, Miami, Naples, New Smyra Beach, Ocala, Orlando, Palm Coast, Panama City Beach, Pensacola, Pompano Beach, Port St Joe, Sanibel Island, Sanford, Sarasota, St Augustine, St Petersburg, Tallahassee, Tampa, Vero Beach, West Palm Beach, & Winter Park, and many more.

 

  • Providing financing for all cities across South Carolina including: Aiken, Anderson, Beaufort, Bluffton, Charleston, Columbia, Conway, Edisto Island, Florence, Greenville, Hilton Head, Johns Island, Myrtle Beach, North Augusta, Orangeburg, Rock, Hill, Spartanburg, Sullivans Island, Summerville, and many more.  
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    Providing financing for all cities across Tennessee including: Athens, Brentwood, Bristol, Chattanooga, Clarksville, Cleveland, Cookeville, Dyersburg, Franklin, Gatlinburg, Greeneville, Johnson City, Kingsport, Knoxville, Maryville, Memphis, Morristown, Murfreesboro, Nashville, Newport, Oak Ridge, Pigeon Forge, Sevierville, and many more

 

All mortgage lending guidelines are accurate at time of post, but are subject to change without notice.  Please call for the most current information.

    

          GR - Reverse Mortgage Certified GR - Renovation Certified GR - VA Loan Expert

Comments(4)

Wayne Martin
Wayne M Martin - Oswego, IL
Real Estate Broker - Retired

Good morning Rodney. Look no further than Washington DC for the accuracy of that statement. Easy to say, hard to do! It takes common sense. Enjoy your day.

Oct 02, 2024 05:31 AM
Michael Jacobs
Pasadena, CA
Pasadena And Southern California 818.516.4393

Hello Rodney - Dave Ramsey's approach to better financial well-being is good, maybe even wise. 

Oct 02, 2024 06:09 AM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

I really like the approach that Dave Ramsey offers to gain control of our finances. Unfortunately due to the inflation most Americans find their budgets are stretched to the max and they are accumulating credit card debt like never before! When you are paying 25% more for food, clothing, entertainment, gas and add in double home insurance premiums, car insurance premiums and utilities increasing everywhere its hard for families to get ahead. Wages have not kept up and now we are seeing layoffs (which no one likes to talk about). But our government just keep printing money and shuffling money around accounts to pay Peter from Paul!

Oct 02, 2024 08:21 AM
Rodney Mason, VP of Mtg Lending

At least inflation seems to now be more under control than in the last couple of years.  That is the downside to record low interest rates.  As a result, we are now seeing the Fed lower their benchmark rate.  Those reductions should help with affordability.  After a few years of posting record profits, we are now seeing many retailers and some restaurants lower prices in response to consumer pushback.  

Insurance has been an issue on it's own.  Those premiums have been on the rise for several years now.  The more claims, the higher the premiums rise.  

Oct 02, 2024 09:12 AM
George Souto
George Souto NMLS #65149 - Middletown, CT
Your Connecticut Mortgage Expert

Rodney Mason, VP of Mtg Lending I took the Dave Ramsey coarse several years ago, and I had my two sons take it as well a few years later.  It is well worth the time to take it.

Oct 02, 2024 02:33 PM