Approved With Mark

This Labor Day, we're grateful for the talented, dedicated people who make USA Mortgage such a special place to work. Here's to the team behind the !

We're approaching the official start of the ! September can be a great time to buy. As the market begins to cool and sellers look to finalize their moves before winter, buyers may find more room for negotiation and better value 🍂🏠

📞 +1 615-601-3901
📧 [email protected]
🔗 usamortgage.com/home-buying-in-september

Think you're not ready to buy a home? You might be closer than you think.

We talk to prospective buyers every day who assume they need a bigger down payment, a higher credit score, or years more of saving before they can buy. The reality? Many are surprised to learn they're already in a better position than they realized.

Don't let a myth keep you from exploring your options. 🏡🔑

➡️ +1 615-601-3901
➡️ [email protected]

September is our favorite month for a reason 😉

Happy to the incredible professionals who guide, support, and advocate for our customers every step of the way. Thank you for all you do to turn homeownership dreams into reality 🏡

Buying a home for the first time can be a daunting and nerve-wracking experience. Our team is dedicated to ensuring your comfort and confidence throughout the entire process. to help you navigate the homebuying waters, here are some helpful tips 🏠⬇️

First Time Home Buyer Tips Homebuying is worth doing this the right way and that means buying a home that you love and that doesn’t hurt your future money goals.

🍂 Fall is one of the best-kept secrets in real estate.

With fewer buyers competing and motivated sellers ready to make a move, this season can create opportunities you won't find in the spring market. If homeownership is on your radar, now's the time to start planning.

🔸 [email protected]
🔸 usamortgage.com/the-fall-homebuying-advantage
🔸 https://www.usamortgage.com/mortgage-loan-originator/mark-sullivan

The 3 Cs! You know, cut, color, carat...oh, wait. Wrong Cs. 💎🍾

When you apply for a mortgage, an underwriter will evaluate your credit and payment history, income and assets, then categorize their findings into the 3 Cs.
🔹 Capacity: your ability to repay a loan by comparing your monthly gross income against your total monthly recurring debt.
🔹 Credit: A combined credit report from the three national credit reporting agencies.
🔹 Collateral: Here, an appraisal will be ordered to verify the home’s value, so a loan-to-value ratio (LTV) can be determined.