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Is your New Year’s resolution to move more?

Mark pre-approves! Buying a home is an incredible goal, and a mortgage pre-approval makes the process smoother.

Make a stronger offer on your dream home with a mortgage pre-approval! Pre-approval (not to be confused with the full “approval” you’ll need later in the loan process) is the process of determining how much you can borrow to buy a home, which will allow you to shop smarter and increase the odds of your loan going through with flying colors. The Mark Smith Team will verify your financial information (income, assets, credit score, etc.) to find out what loans you could be approved for, how much you can borrow, and what your interest rate might be. Reach out now to start working out the details of your pre-approval!

Pay off debt with a cash-out refi!

Already a homeowner? Consider a cash-out refinance! Cash-out refis free up money that can be used to pay off high-interest credit card debt. To get a big bang for your buck (badumtsh) it would also be wise to use that money to cash-flow renovations that improve your home’s value.

It’s a better investment than crypto.

As fun as it is to chat about dogecoin, it’s not as solid of an investment as a home. If you assume a 5% appreciation rate during the next five years (and that’s probably conservative) with a 5% downpayment, you could realize a return on your investment in the home of nearly 800% by that fifth year. Let’s repeat that for the folks in the back… 800% return! (We double-checked and triple-checked that math. It’s not wrong.) That would easily get rid of PMI, making it a no-brainer investment in the long run! Remember: while crypto may be a good investment for some, you can’t live in your crypto.

Helping people is what drives us.

Don’t need to buy or refi right now? Pass this along to someone who does! Mark and his team love to help champs like you achieve their dreams. From the millennial buying his first home to the retired teacher downsizing so she can travel, Mark’s ready to help people reach their goals this year — and your referral helps us do that!