Veronica Y. Morales

Mortgage Rates are at historical lows and the housing market is still strong. 2020 is over and with a New Year comes new low interest rates. The US federal reserve has lowered interest rates in order to stimulate the economy. What that means is borrowing costs become lower. Call us today for more information on how we can help you with home loan options. We are here to help.

The Federal Housing Agency (FHA) has just raised limits on its loans to $356,362 in most areas for 2021. That means more people can take advantage of FHA loan programs with lower down payments, lower cash-to-close options, the ability to combine purchase and rehab, and more. Questions? Please comment below or reach out through your preferred channel.

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Lenders look at a number of ratios and financial data to determine if the borrowers are able to repay the loan. In the debt-to-income ratio, the lender compares the monthly payments, including the new mortgage, and compares it to monthly income. The income figure is divided into the expense figure, and the result is displayed as a percentage. The higher the percentage, the more riskier loan it is for the lender. . Interested in learning more about your debt-to-income ratio an...d how you can improve your stance in the coming year? Give me a call and I’ll be happy to walk you through the details and set you up for success! Let’s connect: (661)-333-6996 Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome

What is a #goodfaithestimate It is the list of settlement charges that the lender is obliged to provide the borrower within three business days of receiving the loan application. Curious? Let’s connect: (661)-333-6996... Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome

We will get through this together Stay home & stay safe (661)-333-6996... Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome

VA Loans - A great option for Veterans! A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country. Curious? Let’s connect: (661)-333-6996... Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome See more

Q&A How do I apply for a loan? Step 1: Get pre-qualified for each type of loan you may qualify for!... Step 2: Analyze each mortgage program and think about how long you plan on keeping the loan. If you chose to work with us, we’ll guide you through this! Step 3: Fill out an official application. This is the true start of the loan process! Step 4: Let me handle the rest! Curious? Let’s connect: (661)-333-6996 Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome See more

Did you know? A higher FICO score can result in a lower interest rate for a home loan? To increase your credit score, be sure to pay your bills on time, don't exceed the spending limit on credit cards and monitor your credit report regularly for any errors. Curious? Let’s connect: (661)-333-6996... Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome

I hope everyone is continuing to stay healthy and safe out there! Now is a great opportunity to use all the time you get social distancing at home, especially for the people who are doing work from home. It's a great opportunity to focus and realign your thoughts, go over things you never got time to think about while you just kept moving through your busy workdays, set goals for your future, work on the steps to achieve those goals.... Read the books you bought but never got the time to. When was the last time you picked up a pen and wrote down your thoughts? The greatest gift out of these times is the gift of time it offers, that will never come again, use it wisely. Let’s connect: (661)-333-6996 Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome

Never say that you can't do something, or that something seems impossible, or that something can't be done, no matter how discouraging or harrowing it may be; human beings are limited only by what we allow ourselves to be limited by: our own minds. We are each the masters of our own reality; when we become self-aware to this: absolutely anything in the world is possible. Are you ready to take the leap? Let’s connect! Message me or apply today via the link! ... Let’s connect: (661)-333-6996 Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome

Knowing all your loan options could save you money! Government-backed programs and grants such as FHA, VA and USDA loans can make homeownership more accessible and affordable. Are you ready to take the leap? Let’s connect! Message me or apply today via the link! ... Let’s connect: (661)-333-6996 Apply now https://www.pointmtg.com/veronica/ Veronica Y Morales Loan Officer NMLS #358040 #Sehablaespañol Buena Vista Mortgage, a division of Point Mortgage Corporation 3820 Coffee Rd Bakersfield, CA 93308 - #Mortgage101 #homebuyertips #buenavistamortgage #loanofficer #kerncounty #homeloan #homeloansbyvero #buyyourdreamhome #dreamhome