🎥 **Stop Overpaying: How to Eliminate Mortgage Insurance | Chris Graves Explains**

Are you still paying mortgage insurance on your loan? It might be time to review your options and potentially eliminate this cost. **In This Video:**– **Eligibility Criteria:** Understand when you can cancel your mortgage insurance based on LTV ratios and home improvements.– **Payment History Requirements:** What you need to keep track of to qualify.– **Refinancing […]

🎥 New Video Alert: FHA Streamline Refinancing Explained! 🎥

🏡 Are you a homeowner with an FHA loan looking to lower your mortgage payments? Discover the benefits of FHA Streamline Refinancing—less paperwork, no appraisal, and possibly lower rates! 🔹 **Top Benefits:** – Streamlined process – No income checks – Quick closings 🔹 **Check Your Eligibility:** – Must hold an existing FHA loan – Must […]

3 Things You Should NEVER Do When Buying a Home

🚨 Home-Buying Tips Alert 🚨 “3 Things You Should NEVER Do When Buying a Home” 1️⃣ **Don’t hide your down payment sources** – Transparency is key! 2️⃣ **Don’t take out new debts** – Keep your financial slate clean until closing! 3️⃣ **Don’t change jobs mid-process** – Stability matters in mortgage qualification! 🎥 Watch my latest […]

Think You Have a Low Rate? Think Again!

📉📉📉 Proud of your low mortgage rate? That’s great! But let’s talk about your blended rate—the real rate you’re paying when considering all your debts, including auto loans, store credit cards, and those tempting ‘buy now, pay later’ offers. This number might tell a different story. Many find themselves surprised by their real financial picture, […]

Self Employed Mortgages

Are you or someone you know self employed and are interested in taking out a mortgage? Does the income that you claim on your tax returns not necessary as much as you really make? Well I have the product for you. It is called a bank statement loan! Watch this 49 second video to learn […]

New Freddie Mac Self Employed guideline

If you are self employed and you are looking to explore your mortgage options you need to listen to this one minute video! Contact Christopher Graves, Loan Officer at 978-376-5389 or PM me here. #selfemployed #selfemployedmortgage #purchase #refinance #realestate #1sttimehomebuyer #homebuying #windhamnh #boston #massachusettsrealestate #nhrealestate #rirealestate #mainerealestate #mortgage #CMA https://youtube.com/shorts/b6tTE2m1qag?feature=share

DSCR Loans

What is a DSCR Loan? The debt service coverage ratio percentage is used by lenders to determine the cash flow on an investment property. This allows the mortgage lender to access the borrower’s ability to repay the mortgage loan. The DSCR percentage is calculated by dividing the market rent by the new qualifying subject PITI […]

What the Recent Fed Hike Could Mean to the Housing Market

To help fight inflation, the Federal Reserve has hiked its benchmark Fed Funds Rate six times this year, including their most recent hike of 0.75%, taking the Fed Funds Rate from 0.25% to now 4.0%. Remember, the Fed Funds Rate is the overnight borrowing rate for banks, and does not directly affect mortgage rates. So, […]

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