resources

Loan Level Pricing Adjustments – For Better Or For Worse?

⬆️⬆️⬆️ WATCH VIDEO ⬆️⬆️⬆️ Fannie Mae & Freddie Mac have recently introduced Loan Level Pricing Adjustments. That announcement can be found here ➡️ https://singlefamily.fanniemae.com/media/33241/display You may be wondering: ✅ What Are Loan Level Pricing Adjustments? ✅ Who Do They Affect? ✅ How Can I Prepare To Buy A House? ✅ HomeReady & HomePossible Programs plus 100-120% AMI PDF One Page Resource guide in the sidebar. Explore the Area Median Income Guidelines by address: Fannie Mae HomeReady - https://ami-lookup-tool.fanniemae.com/amilookuptool/ Freddie Mac HomePossible - https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-map

Your Mortgage Dashboard – Demo

Hello! Welcome to the Task Force Mortgage Team family! We are looking forward to creating the BEST experience for you. This is your Personal Dashboard. Save the link so you can come back to it anytime you want. Take a few minutes and watch the intro video. It will explain more about what you can expect. Items on the Dashboard: 1️⃣ Pre-Approval Letter 2️⃣ Purchase Analysis 3️⃣ Custom Total Cost Analysis 4️⃣ Weekly Update Video 5️⃣ Homebuyer Guide Book 6️⃣ Misc. We are honored to serve you in this home buying journey, and look forward to providing you with a great experience. Brian - The Mortgage Millennial

Unlocking Mortgage Savings: How Rate Buy Downs Can Help You Save Money!

This Mortgage Rate Buy Down Guide will explain the following: 1️⃣ Permanent Interest Rate BuyDown 2️⃣ 2/1 Temporary Rate BuyDown 3️⃣ 3/2/1 Temporary Rate BuyDown The video will explain the Pro's and Con's of each buydown. For questions, please reach out to me at 808.352.7339. Brian Hirono Sr. Mortgage Loan Advisor Task Force Mortgage Team powered by CrossCountry Mortgage NMLS 2080525

Your Home Concierge: A Simple Guide

Buying a home is one of the most important financial decisions of your life. We're here to make the process as easy, enjoyable, and exciting for you as possible- because it's more than a mortgage, it's the keys to your future! Let's get started!

DROP RATE vs. DROP PRICE

Hey there! These higher interest rates are impacting buyers' qualifications SIGNIFICANTLY. Also, higher rates are also beginning the "price drops " trend, which sellers use to help attract affordable housing for buyers. But do most sellers know the actual numbers on how a PRICE DROP impacts buyers? Probably not... Let me share a more effective through which we can all win together, even in the current housing market! PRICE vs. RATE - Did you know that a PRICE DROP of 95k has the same impact as 20K used to DROP RATE for a buyer's payment? Using a SELLER BUY DOWN strategy, instead of taking 95K off of list price, why not save $75,000 and still bring back affordability to the buyer? Watch the videos below or to the right to see for yourself. SELLER BUY DOWN (SBD) - Let me show you how a SBD works, and how both the Buyer & Seller can WIN-WIN. FOR LISITING AGENTS: Marketing Your Property - Once you understand how POWERFUL it is to DROP RATE vs. DROP PRICE with the SBD strategy, I'm sure you're gonna get excited!! Let's market your property with a custom SBD Video from me so that we can spread and help affordability to all buyers. Let's all WIN TOGETHER!

1.2m Drop Price vs SBD (-50K)

Drop Price -50K vs SBD -0K (1.2K). The key is monthly payment, and a buyer's goal is to achieve the lowest payment to obtain the loan the lender has qu5alified for them.

650K Drop Price vs SBD (-20K)

Drop Price -20K vs SBD -20K (650k). The key is monthly payment, and a buyer's goal is to achieve the lowest payment to obtain the loan the lender has qualified for them.

DROP RATE vs. DROP PRICE

Hey there! These higher interest rates are impacting buyers' qualifications SIGNIFICANTLY. Also, higher rates are also beginning the "price drops " trend, which sellers use to help attract affordable housing for buyers. But do most sellers know the actual numbers on how a PRICE DROP impacts buyers? Probably not... Let me share a more effective through which we can all win together, even in the current housing market! PRICE vs. RATE - Did you know that a PRICE DROP of 95k has the same impact as 20K used to DROP RATE for a buyer's payment? Using a SELLER BUY DOWN strategy, instead of taking 95K off of list price, why not save $75,000 and still bring back affordability to the buyer? Watch the videos below or to the right to see for yourself. SELLER BUY DOWN (SBD) - Let me show you how a SBD works, and how both the Buyer & Seller can WIN-WIN. FOR LISITING AGENTS: Marketing Your Property - Once you understand how POWERFUL it is to DROP RATE vs. DROP PRICE with the SBD strategy, I'm sure you're gonna get excited!! Let's market your property with a custom SBD Video from me so that we can spread and help affordability to all buyers. Let's all WIN TOGETHER!

VA 101

Here is a slideshow presentation of the VA loan. There's a video of me walking through the slide on the right or bottom of this box.

Reviews

"I refinanced my home with help of Brian and he went above and beyond of my expectation. I originally contacted him to see if I would be qualified if I sell my condo and buy a new one. He had great knowledge of the current market condition of the areas I was looking for and my current residence, so he gave me some great advice. I decided not to sell and buy after all but decided to refinance my home. Throughout the process, he was always on my side and informed me what is happening, what will happen next, and what I need to prepare for the next step. At one point, my salary was becoming an issue. I am a flight attendant and our pay system is very unique. Because Brian is also a flight attendant and understands how our pay works, he explained it to the underwriter while he told me exactly what I need from HR. Because of his knowledge for my job and description to his underwriter, my loan was approved without any further issue! He was very professional, prompt when responding to my questions, and supportive. I am so grateful for his hard work and help. I would recommend him to anyone who is considering to purchase a new home or refinance."

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