Build your real estate portfolio with a cash out refinance in 2023! Pull cash out with a home equity line of credit (HELOC) or a home equity loan, but here's the key difference between the two...do a cash out refinance ONLY if your primary home or investment property does not already have a record low mortgage rate. I shared in great detail the differences between the 3 loan products, how to get approved with full income documentation vs no income, and how it applies to your primary or investment home. Another key point in this video is that before you put a new mortgage on your home or investment property, partner with a mortgage lender you can trust. Be clear on why you're pulling cash out of your property. And be clear on how you can grow that cash way better than just sitting in that home. Contact me for help with your mortgage + homebuying process. 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com A variety of home loans available…Conventional, FHA, VA, USDA. Bank Statement only, 1099 only, P&L only and no-income doc loans. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you via intelligent loan scenarios, transparent costs and an overall high level of service. I am based in New Jersey and lend Nationwide, helping you lovely homebuyers from coast to coast. Lending in 49 states. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855

5 days to receive the cash you need with this Fixed Rate HELOC program! Learn if this home loan is a good fit for you; use on your primary or rental properties. Share with a friend! Contact me for help with your mortgage + homebuying process. (856) 412-4608 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com A variety of home loans available…Conventional, FHA, VA, USDA. Bank Statement only, 1099 only, P&L only and no-income doc loans. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you via intelligent loan scenarios, transparent costs and an overall high level of service. I am based in New Jersey and lend Nationwide, helping you lovely homebuyers from coast to coast. Lending in 48 states. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855

When your appraisal comes in lower than the sales price, your first thought is that you'll have to bring that extra money to the table. WRONG! In this video, I break down one of the most commonly misunderstood concepts in the mortgage process. Let me just say, the appraisal gap is not always absolute, as in you do not always have to bring that difference to the closing table. Don't let fear hold you back from submitting a strong offer on your dream home, learn how your mortgage lender calculates the impact of your appraisal on your cash to close. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you by presenting intelligent home loan scenarios for purchasing your primary home, investment property, or exploring options like HELOCs and cash-out refinancing. Full doc and no-income doc home loans available. Based in New Jersey, lending in 48 states. Make sure to use the pre-qualification form on my website and follow me on social media channels for more valuable mortgage insights. Don't forget to like, share, and subscribe to my channel for more informative videos on home buying and mortgages. Contact me for help with your mortgage + homebuying process. (856) 412-4608 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855 00:00 Introduction 01:21 Homebuyer Demand is Still Hot 02:51 What is an Appraisal 03:32 Appraisal Shortfall 06:56 You Determine the Price 07:54 5% Down and Appraisal Shortfall

Leverage the VA home loan for all of its wealth-building, cost-saving benefits for your next home purchase! From house hacking (living in one unit while renting the others) or to just moving up and buying a newer or larger primary home for you and your family, this VA loan will get you there. I share what is really needed as your credit score and your debt-to-income ratio! And let me tell you it's a tad bit easier to qualify for...a lot easier to qualify for, which rightfully so. I also share what you really need to purchase 2-4 units because it IS different than FHA! Overall, the VA home loan is such an amazing loan product...thank you to all of our military and veterans who served for our country. Connect with a mortgage lender, yours truly, to see if you can qualify for a new VA mortgage today! Contact me for help with your mortgage + homebuying process. (856) 412-4608 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com A variety of home loans available…Conventional, FHA, VA, USDA. Bank Statement only, 1099 only, P&L only and no-income doc loans. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you via intelligent loan scenarios, transparent costs and an overall high level of service. I am based in New Jersey and lend Nationwide, helping you lovely homebuyers from coast to coast. Lending in 48 states. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855 00:00 Introduction 02:44 Benefits 04:23 House Hacking 07:27 Entitlement 09:16 How to Calculate Entitlement

Lender explains DSCR loans if you are looking to buy a new rental property or pull cash out of your investment property. DSCR no-income doc loans make it easy to access capital and is a great way to leverage your assets; make your money work for you! Lending in 49 states. 📌 Schedule a call with me: https://calendly.com/aprilsamuels/mortgageconsultation 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com About me: I have been a licensed mortgage banker for a little over 5 years, and 17 years in finance and controlling. I simplify the mortgage process for you by presenting intelligent home loan scenarios for purchasing your home, investment property, HELOCs and cash-out refinancing. Commercial financing available, as well. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855 00:00 Introduction 02:45 What is a DSCR loan 04:46 Is it hard money 05:28 Is a prepayment penalty required 07:28 Properties in LLC 08:44 What are the dealbreakers 13:34 What are the costs for DSCR

Credit reports and credit scores in 2024...lending standards are a bit tighter, but at the same time, the one or two things you may believe is preventing you from buying your new home, is actually not a big deal to your mortgage lender. Share with a friend who's thinking of buying a new home 2024!

How Much House Can I Afford in 2024? By Salary! Grab my DTI calculator so you can empower yourself to properly plan for your next home. DTI CALCULATOR: https://www.aprilsamuels.co/dti If you’re ready to get started on your homebuying journey… 📌 Schedule an appointment with me: https://calendly.com/aprilsamuels 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you by presenting intelligent home loan scenarios for purchasing your primary home, investment property, or exploring options like HELOCs and cash-out refinancing. Full doc and no-income doc home loans available. Based in New Jersey, lending in 48 states. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855 0:00 Introduction 2:00 2 Year Work History 4:00 How to Count Debt 4:32 The REAL DTI Ratios 6:40 FHA DTI 9:45 Conventional DTI

Your homebuying process explained in 7 steps! Create your plan to buy your first home, with my first video of a first time homebuyer series explaining every single step from the planning phase to your realtor to your lender and then keys in hand. Make sure you subscribe to watch my next video where we take a deep dive into how much income is needed to buy your dream home! :48 Contact Realtor or Lender First? 1:10 Pre-approval Process 3:05 How Much Cash to Close 4:38 How Long Does Pre-approval Last? 6:19 What Does Your Realtor Do? 9:12 How to Submit Your Offer? 12:26 What is the Mortgage Process? About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you by presenting intelligent home loan scenarios for purchasing your primary home, investment property, or exploring options like HELOCs and cash-out refinancing. Full doc and no-income doc home loans available. Based in New Jersey, lending in 48 states. Make sure to use the pre-qualification form on my website and follow me on social media channels for more valuable mortgage insights. Don't forget to like, share, and subscribe to my channel for more informative videos on home buying and mortgages. Contact me for help with your mortgage + homebuying process. (856) 412-4608 📌 1 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855