Mastering the Competitive Housing Market with Christopher Graves, CMA

Navigating today’s housing market is no small feat, with a significant number of homes selling above asking price. I’m here to offer you the tools and insights that can help you not only compete but win. Join me, Christopher Graves, as we explore effective strategies to tackle market challenges, from understanding property appreciation to realizing […]

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 […]

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, […]

2/1 Buydown Mortgage Program

Watch this one minute video to learn about the 2/1 buydown, which offers lower interest rates for the first couple of years. This gives you the opportunity to get the home of your dreams at a payment that is much more affordable, with the opportunity to refinance in the future to a very attractive rate. […]

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