Rick Hanselman Team at The Real Estate Group, Inc.

07/26/2023

🤔 After your initial application, you may receive a closing disclosure. What is a closing disclosure?

🔎 A closing disclosure will have important details about your home loans, including purchase price, loan fees, interest rate, estimated real estate taxes, insurance, closing costs and other expenses.

💡This may be one the most important documents to review before you close!

06/30/2023

Why choose a buydown option? What is a buydown?

06/01/2023

🤔 Underwriters are often the mythical beings you hear about, but don't know what they do!

💡 At some point, your loan will go through underwriting, though you will not hear from an underwriter.

😮 During this time, your loan documents are being reviewed and it is being determined whether your loan will be fully approved so you can make the home purchase. If anything is needed during this time to further assist the underwriters, such as another document, you will hear from your loan officer or coordinator.

05/16/2023

💡 Your lender may be your primary point of contact during the loan process, but they are not the only person who may contact you!

📝 You may hear from a loan processor, who is responsible for taking your loan documents from one person to the other for approval and ensuring your loan is on the right timeline.

05/09/2023

💡 Your first point of contact when looking for a home loan is a lender, otherwise known as a loan officer or mortgage banker.

📝 A Loan Officer's role includes reviewing, authorizing and recommending loans products for your unique needs.

🙌 They will be your primary point of contact, and they are happy to answer all of your questions.

03/31/2023

Buying a new home? Check out this list of external factors to look for in a property when purchasing!

03/29/2023

💚 There are so many benefits to working with a Flat Branch lender!

🙏 We would be happy to work with you.

☎️ Contact us today to get started.

03/08/2023

💡 If you've recently bought a new home, it's important to change your address!

👍 While this list is not all-encompassing, it is a good place to start.

🔎 Review this list to verify the entities you need to change your address with https://moversguide.usps.com/mgo/disclaimer

03/06/2023

🤯 It's a common myth that you need perfect credit score to purchase a home.

❌ That is NOT true.

🙌 We work with homebuyers with all variations of credit scores or no credit at all! Don't think you are unable to make a home purchase due to credit score.

☎️ Reach out to us and we will work with you!

03/02/2023

🤔 Are you ready to purchase a new home, but haven't sold your old one yet? Not even ready to put it on the market?

💡 Fortunately, Flat Branch offers a bridge loan, which can assist you in this situation!
With a bridge loan, you have the opportunity to receive financing on your new home without yet selling your old home.

☎️ Contact us today to learn more!

02/13/2023

😮 If you're renting, you may have heard the phrase "don't pay someone else's mortgage." But did you know renting is not necessarily cheaper than owning?

😱 Rent prices can increase often, and landlords can raise rent without warning!

☎️ If you're ready to make the move from renting to buying, contact us today!

02/09/2023