We are thrilled to welcome Tony Cussimanio to the team at United Mortgage, serving clients in both Colorado and Texas. He is a 20-year veteran of the mortgage and real estate industry and has been on all sides of the transaction.
Tony has a reputation for responsiveness and transparency. He always strives for excellence and is committed to making the mortgage experience extraordinary for his clients.
To learn more about Tony or to contact him for your mortgage needs, visit: umloans.com/tony-cussimanio
We are happy to announce that the team at United Mortgage now has bilingual support! Spanish-speaking clients are able to utilize the many benefits United Mortgage offers – ultra competitive rates, closing on-time guarantee and more! Refer your clients today.
It is possible for a borrower to purchase a home without having any credit. It is more than just no credit scores; but truly no history of any good or bad credit. The borrower must simply have 12 months of good rental history that wasn’t paid by cash, in addition to two other accounts, such as: utility bills, cell phone bills, etc. We can help the borrower get the proper documentation for these, and then we get their trade lines established. This takes a couple of weeks, but once complete, we can pre-approve them for an FHA loan to purchase their first home. Please contact us for more details.
Renovation loans have had a bad reputation. You had to use certain inspectors and contractors and they took a long time to get done – among other issues. United Mortgage now has 3 loans that can help your buyers. The FHA 203k, Conv Homestyle Renovation and the VA Renovation all work basically the same way and they all are much easier to do these days! You can choose almost any contractors, as long as they are licensed and insured, and don’t have to get multiple bids. Closings can happen in 45 days. Each loan has unique qualities, so please contact us to learn more about how we can help your find the best solution for you!
We are happy to announce that Rashad Newton has joined the team at United Mortgage. A mortgage and loan professional for more than 15 years, Rashad has the knowledge and experience to help his clients make the best decision for their mortgage needs.
The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like Rashad in your corner. Contact Rashad today at United Mortgage to start making your home-ownership dream come true.
We ask that you join us in welcoming Rashad to United Mortgage!
You may contact Rashad for your lending needs here.
United Mortgage is pleased to welcome David Wile! David is a strong believer in family, faith, and the community, and his only goal is to provide a memorable and amazing customer experience. With David as your Mortgage Banker, you have an experienced advocate on your team.
David grew up in the Northeast and migrated west with his family to Kansas City. Along the pathway, he and his wife were compelled to do mission work south of the equator. Giving back to the greater good of the community was accomplished through leadership training.
Everyone knows that the purchase of a home ranks up there with the most important decisions you will ever make. If this is daunting and stressful, the good news is that there are good honest people out there to answer all your questions. David is one of these likable people who walks you safely side-by-side with your realtor through the front door of your brand new home.
Please join us in welcoming David!
You may contact David for your lending needs here.
Don’t forget to turn your clocks forward one hour this weekend!
Daylight Saving Time officially begins at 2am on Sunday, March 11. Maybe now is a good time to get to bed a little early, like you’ve been promising yourself?
Most of the country may be losing an hour of sleep, but we’re also gaining an hour of daylight. The days will be long and sunny again before you know it!
This is also a good time to check the batteries in your smoke detectors and carbon monoxide alarms. Do this twice every year at the time change, and you’ll never skip on safety.
If the warming spring weather makes you think about homebuying, home improvements, or renovations, give us a call to discuss your financing options!
How This Helps You
The FHFA acknowledged at the end of November 2017 that housing prices are on the rise, leading to a necessary rise in the limits as well. As home prices rise, the maximum loan limit needs to rise so homebuyers can borrow enough to cover the cost of their new home purchase. The new limits set by the FHFA reflect the increase in home prices across the country, making it easier for more borrowers to qualify for financing and achieve the goal of homeownership.
This is only the second time since 2006 that the conforming loan limits for loans purchased by Fannie Mae and Freddie Mac have risen. It indicates a strong recovery in the U.S. housing market, as conforming levels were mandated by the Housing and Economic Recovery Act of 2008 to remain at $417,000 until home prices returned to pre-crisis levels.
Baseline maximum conforming loan limits are increasing from $424,100 to $453,100 in 2018 for the contiguous 48 states. In high-cost areas, ceiling loan limits for one-unit properties will increase from $636,150 to $679,650, which is 150% of $453,100.
For a map of maximum loan limits by county, click here.
Are you prepared for winter? With colder weather quickly approaching, we think now is the perfect time to share our top ten list of Winter home maintenance tips with you.
Reverse Your Ceiling Fans. Have your ceiling fans move in a clockwise direction to create an updraft that forces hot air to circulate throughout the room rather than being trapped in the rafters.
Have your chimney serviced. Having your chimney inspected and swept before your first fire reduces your risk of fire and carbon monoxide poisoning.
Seal windows and doors. Take the time to caulk around windows and doors and apply weather stripping wherever necessary.
Add extra insulation. By adding an extra layer of insulation, you are helping keep your attic cooler and your rooms toasty.
Service your furnace. Make sure that all components are properly cleaned and working effectively.
Mind your thermostat. It’s easy to forget to turn down the heat when you leave the building, but doing so is one of the surest ways to save money.
Stock your garage or shed. Be prepared for the first snowfall with salt or ice melt, snow shovels, a snow blower, and a generator with additional fuel.
Check for leaks. Disconnect exterior hoses, drain all spigots and engage the shut-off valve within your home to prevent broken water pipes.
Trim your trees. Have any dead branches or limbs that hang close to your home and power lines removed so that they don’t break off an cause damage under the weight of snow and ice.
Be ready for an emergency. Blackouts and snow-ins can occur during winter months, so take a moment to prepare. Having items like bottled water, flashlights and blankets ready will help you make it through safely.