Efinity Group

Not for those who follow us obviously... but for those that don't haha. PS - Please share with your sphere to help disprove some of the biggest myths and mistakes in the mortgage process. From assuming you need 20% down to not understanding the difference between pre-qualification and approval ... getting a mortgage can be downright confusing. 🫣 That's why you just to need call us. #homebuyingmyths #homebuyermistakes #mortgageprocess #homebuyingprocess #Efinity #EfinityMortgage

🛠️ Dreaming of the perfect home but worried about renovation costs? The Fannie Mae Homestyle Renovation loan, also known as the 'conventional rehab loan', is here to make your dreams a reality! 🌟 Why Choose This Loan? Minimal out-of-pocket investment for property renovations. Roll repair costs, appliances, and home improvements into one low monthly payment. Borrow up to 95% of the home's appraised value post-renovation. 📝 How It Works: Agree to purchase a home. Get quotes from contractors for renovations. Home is appraised based on its value after renovations. Close the deal, and renovation funds go into an interest-bearing escrow. Post-renovation, a final inspection is done, contractors are paid, and you step into your newly transformed home! 💼 Loan Benefits: Ideal for properties not in livable condition. Finance up to 50% of the completed home value. No required improvements or minimum repair amounts. 🏘️ Property Eligibility: 1-2 unit primary residences, single-family second homes, or investment homes. Must meet local zoning requirements. 🔄 Versatile Usage: Perfect for both home purchases and refinances. Transform your current or next home with ease. Interested in learning how the Homestyle Renovation Mortgage Loan can work for you? DM us for more info and start your journey towards creating your dream home today! 📩🏠 #HomestyleRenovationLoan #HomeImprovementFinance #MortgageSolutions #Efinity #EfinityMortgage

Today, we pay tribute to Martin Luther King Jr., whose fight for equality led to significant changes in real estate practices. The enactment of the Fair Housing Act as a result of his advocacy marked a turning point in ensuring equal housing opportunities for everyone, regardless of their background. This historic legislation continues to guide our commitment to ethical real estate practices. Let's honor MLK Jr. by upholding his ideals of equality and justice in all our professional endeavors. #FairHousingForAll #MLKInspiration #RealEstateJustice #Efinity #EfinityMortgage

During a recent mortgage review from this week... we were exploring the options of pulling equity out of a mortgage to pay off some higher-interest credit card debt that had been accumulated over the year, especially during the holidays. It was towards the end of the conversation when this question was asked, "How do these credit cards work anyway?" Hence what has inspired this post today. There is so much about the financial system that most don't know as for some reason... we aren't taught these things in traditional schooling (at least not when I was in school). And this is just one aspect. Behind your card and bank account, there's a whole infrastructure or ecosystem that most have never heard of. Take a look at this image (recreated from Khan Academy) and let me know if this helps. Feel free to share with your kids as well. #money #creditcards #moneymanagement #finance #personalfinance #financialliteracy #mortgage #cashoutrefinance #refinance #debtconsolidation

Most understand that buying a car is a depreciating asset... yet still choose to do so even if the rate is 7%. So why not a house when we know over time, they appreciate in value PLUS you can live in it? What is the alternative? Renting? If you have to live somewhere... why not live in a place you can also profit from (versus your landlord)? Especially with how high rents have gotten. If it is because you don't think you can buy due to whatever reason (affordability, credit, down payment), then let's chat. Most assume they can't buy when in reality they can. It's as easy as one conversation and an online application which is FREE. Ready to at least try? Let us know. #homebuying #renting #apartmentliving #firsttimehomebuyer #FTHB #newhomebuyer #newhome #mortgage #loanofficer #locallender #Efinity #EfinityMortgage

🚨 Looking to boost your credit score? Here are a few quick tips! #creditscore #creditrepair #mycreditguy #homeownership #Efinity #EfinityMortgage

🚀 Who is Ready to Elevate Their Listings and Expand the Buyer Pool?! 🏡 We offer an innovative edge to real estate partners by helping them not only understand the Seller Buy Down (Builder Approach) but also with HOW to market them. We have seen huge success with those executing this strategy with expired listings as well. By implementing this strategy on your new listings, we can significantly increase the appeal to potential buyers. This approach not only makes homes more accessible to a wider range of buyers but also gives your listings a competitive advantage in the market. Let's collaborate to make your properties stand out and attract more interested buyers. DM to learn more. #SellerBuydown #RealEstatePartnership #BoostYourListings #Efinity #EfinityMortgage

Which team are you rooting for tonight? #CFP #NationalChampionship #CollegeFootball #Efinity #EfinityMortgage

Finance Tip Friday: If you're eligible for a Health Savings Account (HSA), it's an opportunity you don't want to miss! HSAs are not just any savings account; they're a powerful tool for managing both your health expenses and financial future, especially if you're under a high-deductible health plan. 🔍 Why Consider an HSA? Triple Tax Advantage: Contributions are tax-free, grow tax-free, and withdrawals for qualified medical expenses are tax-free too. Pre-FICA Contributions: Your contributions are made before Federal Insurance Contribution Act taxes, enhancing your savings. Flexible & Versatile: HSAs cover a wide range of health expenses under their 'health expense umbrella.' 📈 Beyond Health Expenses: After age 65, your HSA transforms! You can opt to use it for non-medical expenses, paying only income tax – similar to a 401(k). The 2024 contribution limit is $4,150, effectively extending your retirement savings options. 💡 Is an HSA Right for You? HSAs are typically more beneficial if you're young and healthy, under a high-deductible plan. It's a strategic way to prepare for both health-related and future financial needs. 🚀 Take Action: Review your health plan to see if you're eligible for an HSA. Consider integrating an HSA into your financial planning for its tax benefits and flexibility. *Reminder, we are NOT tax nor financial experts so please consult with them first before making any changes. #HSA #HealthSavings #TaxAdvantages #FinancialPlanning #SmartSavings #Efinity #EfinityMortgage

It's January 4th, and we're curious to know who's still embracing the holiday spirit! Whether you're holding onto the festive cheer or you've already packed up your decorations, we'd love to hear from you. 👇 Drop a comment below: 🎄 Still shining bright! 📦 Packed away for next year. 🤔 Planning to take it down this weekend. Let's see how many of us are keeping the holiday glow alive a little longer. #NewYear2024 #ChristmasTreeCheck #HolidaySpirit #CommunityEngagement #FunPoll #Efinity #EfinityMortgage