Do you realize your home equity can be one of your greatest financial resources?
It’s true that as you pay down your mortgage, you build equity (the amount of your home you actually own). But as your home appreciates in value each year, it also helps you build equity without having to lift a finger. This equity becomes a valuable asset you can leverage to help you meet other financial needs.
The Power of Appreciation
Since 1991, home values have increased an average of 3.74% each year,
according to the Federal Housing Finance Agency’s (FHFA) House Price Index (HPI). Just in the past year, home prices went up an average of 6% across the country.
The chart below shows how the house price index has generally risen over the past 29 years. As you can see, current home values have bounced back well over the peak of the housing bubble. That means, based on appreciation alone, there’s a good chance that you may have equity to tap into.
In other words, you could be sitting on a pile of cash. Cash Out Your Equity; Meet Your Goals Saving up enough money to meet your financial goals can take years. By refinancing your home, you can cash out your equity and use it for whatever you need, while taking advantage of today’s historically low-interest rates.
Whether you want to pay off debt, cover tuition costs, or renovate your home, leverage the equity in your home to help you meet your financial goals. Contact us or complete our no obligation application, to help you determine if refinancing is right for you.
We are excited to announce that Manish Patel has joined United Mortgage in Florida.
Manish’s experiences have taught him to put my customers first. He tries his best to make the appropriate accommodations for any unique situation and find a solution according to each individual’s financial needs. His goal has always been to offer the best service to his customers, making sure to find a solution that works best for them.
To learn more about Manish, or to contact him for your mortgage needs, visit, umloans.com/manish-patel
We are excited to announce that Shannon Graham has joined United Mortgage in California.
Real estate is Shannon’s passion! She has extensive experience in loan processing, document drawing, loan funding, and is a licensed mortgage loan originator in California. She is currently a member of California Desert Association of Realtors (CDAR), as well as a member of Young Professionals Network (YPN) through CDAR. Shannon attends open houses, loves to attend networking functions and is great at building relationships with realtors.
Please join us in welcoming Shannon! To contact her for your mortgage needs, visit umloans.com/shannon-graham.
We are pleased to announce that Tommy DiSalvo has joined the United Mortgage team, serving Kansas and Missouri.
Tommy always works with integrity and is committed to making sure every borrower has an amazing experience throughout the purchase process. We are thrilled to have him on our team!
To learn more about Tommy, or to contact him for your mortgage needs, visit umloans.com/tommy-disalvo
We are excited to announce that Kourosh Nassiri has joined United Mortgage in California!
As a business owner, Kourosh provides a seasoned wealth of knowledge from his experience as a mortgage loan originator and real estate investor. He built a solid foundation of extensive personal contacts with lenders, contractors and realtors, which makes him a uniquely reliable and trustworthy advocate. He is perfectly suited to assist his clients to obtain a mortgage loan product they seek during the purchasing and refinancing phase of their future investment or primary home.
If you are in the process of purchasing or refinancing your next home or investment in the Bay Area or anywhere in the entire state of California, contact Kourosh at www.kouroshnassiri.com.
We are happy to announce that Gerson Hernandez Landford has joined United Mortgage in Florida!
Gerson has been originating home loans since 2002 and treats every single loan as if it was for himself or a family member. You will find him to be transparent, honest, and willing to go the extra mile for his clients and we are thrilled to welcome him to our team.
To learn more about Gerson, or to contact him for your mortgage needs, visit umloans.com/gerson-hernandez.
We are excited to announce that Julio Borge has joined United Mortgage in Florida!
Julio brings with him over 20 years of experience in the Mortgage Lending Industry. He is known as a hard-worker who will do what it takes to help his clients obtain their dream home.
Please join us in welcoming him to the team! To contact Julio for your mortgage needs, visit umloans.com/julio-borge.
We are happy to announce that Ricardo Morales has joined United Mortgage in Florida!
Ricardo is an experienced loan officer who uses his knowledge and expertise to ensure his clients make the right choice for their family. He is committed to providing his clients with mortgage services that exceed expectations, and we are thrilled to have him on our team.
Please join us in welcoming Ricardo! To learn more, or to contact him for your mortgage needs, visit umloans.com/ricardo-morales.
We are pleased to announce that Curtis Heaton has joined the United Mortgage team, serving Kansas, Missouri, and Florida.
As a mortgage industry professional for three decades, Curtis brings an abundance of experience to the table. He is strongly committed to customer care and believes that providing a smooth and uneventful lending experience from start to close is an absolute must.
Join us in welcoming Curtis. To learn more or contact him for your mortgage needs, visit umloans.com/curtis-heaton.
We are excited to announce that Mary Elise DiVita has joined United Mortgage in the Kansas City area!
Having spent years in hospitality management, Mary Elise is truly all about the customer. She wants her clients to be happily settled and positioned for a positive and bright future. She will do everything in her power to make their dreams of homeownership a reality, with the support of the team at United Mortgage.
Please join us in welcoming her! To learn more about Mary Elise, or to contact her for your mortgage needs, visit umloans.com/mary-elise-divita.