Joel Roth

Finding the perfect mortgage isn’t just about choosing any lender—it's about choosing the right one for your needs. I'm not limited to a single lender, so I can explore a wide range of options to find the best solution for you. Ready to find your dream mortgage? Let's connect and make it happen! 🏡💼 #MortgageAdvisor #HomeLoans #DreamHome #FinancialFreedom

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Recent mortgage changes: 👉FHA 203k changes (Effective November 1st.): 1. 203K Limited has increased the max amount of repair cost from 35K to 75K. (This is a really big deal and long overdue) 2. Max repair time for the full 203K extended to 12 months. 👉MSHDA Changes (effective immediately): 1. Buyer Agent Commissions – MSHDA has announced that real estate commission, buyers or sellers, can be paid by the borrower using their own funds when obtaining a MSHDA loan. MSHDA down payment assistance funds may not be used to pay any portion of the realtors' commission or any fee to the realtor that is labeled as commission on the purchase agreement and/or closing disclosure. If your borrower agrees to pay any portion of the realtors' commission, or a realtor commission fee, they must do so out of their own funds or with an eligible gift. Commissions shown on the CD may count towards the borrower’s 1% requirement. 2. Appraisal Gap Guarantee- An appraisal guarantee is when a borrower agrees to pay the seller more than the appraised value of the home. If a borrower agrees to an appraisal guarantee, they must still pay this out of their own funds or with an eligible gift. MSHDA down payment assistance funds may not be used to pay any portion of the appraisal guarantee. MSHDA has updated their policy to allow the appraisal guarantee to count towards the borrower 1% requirement on a MSHDA down payment assistance loan.. 3. Gift of Equity-Borrower’s 1% Contribution - MSHDA has updated their policy to allow a gift of equity to count towards the borrower 1% requirement on a MSHDA down payment assistance loan. Please reach out to me with any question you may have. Mark Gelbman, Your Mortgage Advisor NMLS # 112342 248.705.8431 cell/text [email protected] #HomeBuyers #1stTimeHomeBuyers #MiRealEstate #DownPaymentAssistance #BuildingWealthWithRealEstate #MultiTaskYourMoney #NewConstructionLending #RenovationLending #MSHDA #VALoan

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With interest rates fluctuating and the market still finding its footing, the decision to take the plunge or keep renting can feel daunting. As a mortgage pro, I always advise my clients to look at the numbers and weigh their long-term goals. While there are benefits to buying now before prices rise further, waiting could open up more inventory and potentially lower rates down the line. The right move is different for everyone. Why not reach out for a free, no-obligation homebuyer analysis? Just drop me a message to get started! #homebuyer #firsttimehomebuyer #househunting #mortgage #homebuyers #homebuying #buyingahome #mortgagebroker #firsttimehomebuyers #housingmarket #realestatemarket #househunters #buyahome #homebuyingtips #mortgagerates #homebuyertips #homebuyingprocess #loanofficer #homeloans #mortgagelender #homeloan #homemortgageexpert

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𝗪𝗶𝗻 𝗕𝗶𝗴 𝗶𝗻 𝟮𝟬𝟮𝟱: 𝗬𝗼𝘂𝗿 𝗣𝗹𝗮𝘆𝗯𝗼𝗼𝗸 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗦𝗲𝗰𝗼𝗻𝗱𝗮𝗿𝘆 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁!  In the fast-paced Secondary Mortgage Market, clients demand 𝗽𝗿𝗲𝗰𝗶𝘀𝗶𝗼𝗻, 𝘀𝗽𝗲𝗲𝗱, and 𝗿𝗲𝗹𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆 from their 𝗧𝗶𝘁𝗹𝗲 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 partners. Are you ready to meet the challenge? At Pristine Title Services, we empower Title Companies to deliver unmatched service, win trust, and keep clients coming back. 𝗜𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝗶𝗻𝗴 𝗢𝘂𝗿 𝗙𝗿𝗲𝗲 𝗲𝗕𝗼𝗼𝗸: "𝘞𝘪𝘯 𝘉𝘪𝘨 𝘛𝘩𝘪𝘴 2025 𝘪𝘯 𝘵𝘩𝘦 𝘚𝘦𝘤𝘰𝘯𝘥𝘢𝘳𝘺 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘔𝘢𝘳𝘬𝘦𝘵: 𝘛𝘩𝘦 𝘈-𝘡 𝘗𝘭𝘢𝘺𝘣𝘰𝘰𝘬 𝘧𝘰𝘳 𝘛𝘪𝘵𝘭𝘦 𝘊𝘰𝘮𝘱𝘢𝘯𝘪𝘦𝘴" 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂’𝗹𝗹 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿: 🗹 𝗙𝗹𝗮𝘄𝗹𝗲𝘀𝘀 𝗗𝘂𝗲 𝗗𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗳𝗼𝗿 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻: Learn how to ensure every asset is legally sound to boost investor confidence. 🗹 𝗔𝘀𝘀𝗶𝗴𝗻𝗺𝗲𝗻𝘁 & 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗩𝗲𝗿𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀: Validate every detail and protect loan pool integrity. 🗹 𝗘𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁 𝗕𝘂𝗹𝗸 𝗧𝗶𝘁𝗹𝗲 𝗦𝗲𝗮𝗿𝗰𝗵𝗲𝘀: Handle high-volume transactions with speed and accuracy to stand out.  💡 𝗪𝗵𝘆 𝗧𝗵𝗶𝘀 𝗲𝗕𝗼𝗼𝗸 𝗶𝘀 𝗮 𝗚𝗮𝗺𝗲-𝗖𝗵𝗮𝗻𝗴𝗲𝗿:  Stay ahead of your competitors by exceeding client expectations.  Become the 𝘵𝘳𝘶𝘴𝘵𝘦𝘥 𝘨𝘰-𝘵𝘰 𝘱𝘢𝘳𝘵𝘯𝘦𝘳 𝘧𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴 𝘢𝘯𝘥 𝘭𝘦𝘯𝘥𝘦𝘳𝘴. 𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝗘𝗹𝗲𝘃𝗮𝘁𝗲 𝗬𝗼𝘂𝗿 𝗧𝗶𝘁𝗹𝗲 𝗖𝗼𝗺𝗽𝗮𝗻𝘆’𝘀 𝗚𝗮𝗺𝗲? Download the eBook Now and position your business for success in 2025. 𝖢𝗅𝗂𝖼𝗄 𝖧𝖾𝗋𝖾 𝗍𝗈 𝖣𝗈𝗐𝗇𝗅𝗈𝖺𝖽: https://bit.ly/4fFG7cm Let’s make 2025 the year you lead the Secondary Mortgage Market with confidence and excellence. Pristine Title Services: Trusted Partners in Title Excellence. 𝗟𝗲𝘁'𝘀 𝗖𝗼𝗻𝗻𝗲𝗰𝘁! 💬 𝗺𝗮𝗿𝗸𝗲𝘁𝗶𝗻𝗴@𝗽𝗿𝗶𝘀𝘁𝗶𝗻𝗲𝘁𝗶𝘁𝗹𝗲𝘀.𝗰𝗼𝗺 📞 𝟰𝟭𝟮-𝟯𝟬𝟰-𝟲𝟮𝟴𝟮 / 𝟯𝟰𝟲-𝟮𝟰𝟭-𝟭𝟬𝟵𝟵 / 𝟮𝟬𝟮-𝟴𝟰𝟰-𝟮𝟭𝟵𝟵 Follow Pristine Title Services, LLC #TitleIndustry #MortgageMarket #SecondaryMarket #RealEstateSolutions #PristineTitle #TitleOperations #PristineTitle #TrustedPartner #ValueDriven #TitleServices #TitleProduction #TitleAgents #ReduceCost #OperationalEfficiencies #VariablizeExpenses #Staffing #CostReduction #Scalability #BackOfficeSupport #TitleProductionSolutions #TitleInsurance #Offshore #Onshore #TitleUnderwriting #CommitmentTyping #TaxeCerts #MunicipalLienSearches #TrainedStaff #QualifiedStaff #Outsource #TitleExperts #BestCustomerService #TitlePlants #CurativeServices #Recordings #PolicyProduction #TitleSearch #TitleCompany #TitleAndEscrow #TitleClosing #TitleIndustry #KnowPristine

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$3,517,22$3,517,226.00 in CRE Commissions Last Week! Call 877.546.7005 Today! or Email ( [email protected] ) To Request FREE Media Kit (pdf demo) > Over 900k were Commercial Modifications Paid up Front. Reported by Broker / Clients Last Week: 1) Apartment (PURCH) - MI - 25.7 mil - 71% LTV - DCR 1.49 - Comm = $257,347.00 2) Office – (MOD) - VA - 17.4 mil - 76% LTV - DCR 1.21 - Comm = $174,392.00 (PAID UP FRONT) 3) Office/Med – (REFI) MA - 31.2 mil - 57% LTV - DCR 1.63 - Comm = $312,000.00 4) Apartment – (REFI) - FL - 27.7 mil - 73% LTV - DCR 1.56 - Comm = $277,000.00 5) Industrial – (REFI) - OH - 22.2 mil - 57% LTV - DCR 1.39 - Comm = $222,218.00 6) Retail – (MOD) - OR - 19.4 mil - 77% LTV - DCR 1.12 - Comm = $194,000.00 (PAID UP FRONT) 7) Apartment – (REFI) TN - 14.3 mil - 78% LTV - DCR 1.58 Comm = $143,619.00 8) Apartment – (PURCH) - NJ - 33.8 mil - 78% LTV - DCR 1.71 Comm = $338,318.00 9) Office / Retail (MOD) - CA - 21.7 mil - 81% LTV - DCR 1.15 - Comm = $217.000.00 (PAID UP FRONT) 10) Office / Retail (REFI) - TX - 18.4 mil - 68% LTV - DCR 1.59 - Comm = $184,000.00 11) Apartment – (REFI) - PA - 31.4 mil - 62% LTV - DCR 1.52 - Comm = $314,000.00 12) Office / Retail (MOD) – GA – 18.9 mil – 75% LTV – DCR 1.22 – Comm - $189,726.00 (PAID UP FRONT) 13) Church – (MOD) - LA – 7.9 mil – 79% LTV – DCR 1.02 – Comm = $79,338.00 (PAID UP FRONT) 14) Office/Medical - (REFI) - AZ – 24.6 mil – 59% LTV – DCR 1.63 – Comm = $246,117.00 15) Hotel – (MOD) - SC – 7.1mil – 78% LTV – DCR 1.13 – Comm = $71,284.00 (PAID UP FRONT) 16) Hotel – (REFI) - IN – 14.4 mil – 61% LTV – DCR 1.55 – Comm = $144,226.00 This Table Does Not Include (14) Additional Closings Reported Below 5 Million. Largest Commission Reported $338,318.00 No Other Provider Comes Close! Our Commercial Lead Referral Program Offers: · Exclusive - Commercial Mortgage and or Mod Leads · Referred - Not Internet Generated · Free Filters – Set as Needed / Change Any Time · Return Leads for No Answer or Borrower Signs Elsewhere · Phone Verified - Before Being Loaded  · No Contracts - Renew as Needed · No Fees - Keep 100% of Your Commission · Wholesale Lender Search – Over 4,000 Funding Sources · Guaranteed – 2 Deals Closed or Your Money Back! #commercialleads #commercialmortgageleads https://crefxchange.com/

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Applying for a mortgage shouldn't be a hassle! You can download our convenient mobile app and be on your way to starting the journey toward #Homeownership within MINUTES 📲🤯 ▶ https://brnw.ch/21wJxRk #USAMortgage #HomeOfPossibility #LocalLender

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Understanding APR: What You Need to Know APR can be misleading as it assumes you'll keep the loan for its entire life without refinancing. Different lenders include various fees in their APR calculations, leading to inconsistencies even with identical loan terms. The timing of loan estimates can also impact the APR. Instead of focusing solely on APR, pay attention to the interest rate and find a lender you feel comfortable with. In our town, lender fees don't vary much, so choose the one that fits you best! #MortgageTips #APR #InterestRates #HomeBuying #FinancialAdvice #MortgageLenders #loanadvice Check out the rest of this PODCAST episode in the following places: Watch on Youtube: https://lnkd.in/gUPWRRw6 Listen now on Spotify: https://lnkd.in/gk32y7UE Listen now on Apple Podcast: https://lnkd.in/gdgmuGXQ Lawrence Board Of REALTORS® Kelsey McClasky

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Securing your financial future with confidence! 🔒✨ Mortgage interest rates can change daily, sometimes hourly. If your interest rate is locked, your rate won’t change between when you get the rate lock and closing, as long as you close within the specified time frame and there are no changes to your application. Rate locks are typically available for 30, 45, or 60 days, and sometimes longer. If your rate is not locked, it can change at any time. A mortgage rate lock gives you peace of mind by guaranteeing your interest rate for a specified period, protecting you from market fluctuations. Explore your mortgage options – find a rate that suits your needs today! #www.almnoco.com #greeleyrealestate #greeleyre #fortcollinsrealestate #lovelandrealestate #longmontrealestate #berthoudcolorado

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