Saturday Strategy
Mortgage FAQ's, did you knows and much more...
What is prescreenopout and why it is important to you
Last week, we covered identifying questionable mail, and now let's focus on Prescreenoptout.com and trigger leads.
Prescreenoptout.com offers an easy way to safeguard your privacy by opting out of pre-approved credit offers. This reduces unwanted mail and gives you control over your personal data. In this weeks Saturday Strategy video I talk about how and why you want to do this.
Trigger leads occur when a credit inquiry is made on your report, indicating potential credit or loan interest. Companies sell your information to lenders, leading to a barrage of loan offers. Be cautious about sharing your credit data with callers, as they may not be from the company you think. Stay informed and protect your personal information!
**We want to assure you that we do NOT sell any of your information after we have pulled your credit. However, we would like to inform you that the credit bureaus keep a record of the credit inquiry, which they unfortunately sell to bidders in the form of "trigger leads." This often results in receiving numerous spam calls from online lenders. Although every bank is actively fighting against this, we currently have no control over stopping it. We understand that this can be frustrating, and we apologize for any inconvenience caused.**
To help prevent this I recommend doing these 2 hacks...
Register with the Do-Not-Call Registry here: donotcall.gov
Complete the Op Out Prescreen - https://www.optoutprescreen.com/
P.S. Can I count on you to call us when any friends, family or coworkers are looking to buy, sell or refinance a home? We'd love to help! You can just text/call me at 480.553.8770.
* Did you know we can finance in 45 states?
Financial Fundamentals for First-Time Homebuyers
Kevin Brierton – 12.26.2022 Are you prepping to buy your first home? If so, one of the steps you should take early on is making sure you’re financially ready for your purchase. Here are just a few of the financial fundamentals you’ll need to focus on as you set out to buy a home. Build Your Credit…
What Makes a House a Home?
Kevin Brierton – 12.22.2022 There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time to buy. While the financial aspects of buying a home are important, the non-financial and emotional reasons are too. Home means something different to all of us. Whether it’s sharing memories with…
What To Expect From the Housing Market in 2023
The 2022 housing market has been defined by two key things: inflation and rapidly rising mortgage rates. And in many ways, it’s put the market into a reset position. As the Federal Reserve (the Fed) made moves this year to try to lower inflation, mortgage rates more than doubled – something that’s never happened before in a calendar year. This…
Homeowners Still Have Positive Equity Gains over the Past 12 Months
If you’re a homeowner, your net worth got a big boost over the past few years thanks to rapidly rising home prices. Here’s how it happened and what it means for you, even as the market moderates. Equity is the current value of your home minus what you owe on the loan. Because there was…
Mortgage Rates Are Dropping. What Does That Mean for You?
Kevin Brierton – 12.19.2022 Mortgage rates have been a hot topic in the housing market over the past 12 months. Compared to the beginning of 2022, rates have risen dramatically. Now they’re dropping, and that has to do with everything happening in the economy. Nadia Evangelou, Senior Economist and Director of Forecasting at the National Association of…
Planning to Retire? It Could Be Time To Make a Move.
Kevin Brierton – 12.15.2022 If you’re thinking about retirement or have already retired this year, you may be planning your next steps. One of your goals could be selling your house and finding a home that more closely fits your needs. Fortunately, you may be in a better position to make a move than you realize. Here are…
You May Have More Negotiation Power When You Buy a Home Today
Kevin Brierton – 12.14.2022 Did the frequency and intensity of bidding wars over the past two years make you put your home search on hold? If so, you should know the hyper competitive market has cooled this year as buyer demand has moderated and housing supply has grown. Those two factors combined mean you may see less competition from…
Ready To Sell? Today’s Housing Supply Gives You Two Opportunities.
Kevin Brierton – 12.13.2022 At first glance, the increase in housing supply compared to last year may not sound like good news for prospective sellers, but it actually gives you two key opportunities in today’s housing market. An article from Calculated Risk helps put the inventory gains the market has seen in 2022 into perspective by comparing it to recent years…
What Every Seller Should Know About Home Prices
Kevin Brierton – 12.12.2022 If you’re trying to decide whether or not to sell your house, recent headlines about home prices may be top of mind. And if those stories have you wondering what that means for your home’s value, here’s what you really need to know. What’s Really Happening with Home Prices? It’s possible you’ve…
Homeownership Is an Investment in Your Future
Kevin Brierton – 12.8.2022 There are many people thinking about buying a home, but with everything affecting the economy, some are wondering if it’s a smart decision to buy now or if it makes more sense to wait it out. As Bob Broeksmit, President and CEO of the Mortgage Bankers Association (MBA), explains: “The desire for homeownership is strong.…
P.S. Can I count on you to contact me if you hear that a friend, family or coworker is looking to buy, sell or refinance? Call/Text 480.553.8770 - We'd be honored to help them too!