Unlock Top Mortgage Savings Strategies! With the cost of housing rising faster than incomes, renters and homeowners alike are looking for ways to keep costs down. Right now may be the perfect time to take control of your housing costs by buying your own home, refinancing your current home, or accessing your home equity! With proper planning and a few smart mortgage savings strategies, you may be able to reduce your monthly payments and cut the overall cost of home ownership.

Maximize Your Down Payment – A Key Mortgage Savings Strategy If you borrow more than 80% of the value of your home, lenders will typically make you carry Private Mortgage Insurance (PMI). To determine the home price you can afford without PMI, multiply the down payment amount you have saved by five. This will give you the highest price you can pay while avoiding PMI. For example, if you have $20,000 available for a down payment, that will give you a home price of $100,000. If you don’t have the recommended 20% down payment available, there are still good options. Many lenders have low rates with no PMI required with as little as 5% down payment. Exploring these options is a smart mortgage savings strategy.

Make Extra Payments – Accelerate Your Mortgage Savings If you can afford to, add more to your mortgage payment each month. Just a few extra dollars each month really accelerates your loan pay down. You’ll be amazed at how much you’ll save in interest. By paying extra, you’ll build home equity faster too! This simple mortgage savings strategy can lead to significant long-term benefits.

To discuss these and other mortgage savings strategies, CALL US TODAY for a No-Obligation Mortgage Consultation! (502) 738-1003 Visit us at: www.wmsource.com

SELF EMPLOYED OR NEW JOB: Tips on Applying for a Mortgage! If you or someone you know is in the market for a new home, and are concerned about self-employment or a new job, don’t worry! There are steps you can take to present your employment history in a favorable light. We can help you every step of the way.

Lenders Are Looking For Income Stability By providing proof of a steady income, you show your prospective lender you are a safe bet! When evaluating loan applications, lenders will usually look for a two-year history of employment in a similar job or the same line of work. Their biggest concerns are gaps in employment, frequent job changes, length of employment and changes in income (increases or decreases). It’s easy to explain taking time off to go back to school for a degree that will advance your career potential, or to care for a family member. If you’re self-employed, you’ll need to show that you can support your business and support a mortgage. Be prepared to provide information that can verify your income, including bank deposits or past tax returns.

The Best Way to Approach a Mortgage Is With Our Help. Let us help you prepare and search for solutions to reach your goals! You’ll be glad you did. Call Today! (502) 738-1003

MORTGAGE OR CASH? Which Option is Best for YOU For those who can afford to, buying a home with cash is an attractive option. But, it’s not always the best option. Even billionaires like Mark Zuckerberg make use of the advantages a mortgage offers you. While current mortgage rates are higher than they used to be, it might still make sense to borrow money for a home purchase. If you can use your cash surplus to yield better return than current mortgage rates, it might make sense to use a mortgage. With a mortgage, you preserve your cash reserves for investments or emergencies! Understanding these options is part of effective mortgage savings strategies. We can help you decide what will work best for you, now and in the future.

Call Us Today for a No-Obligation Mortgage Evaluation! (502) 738-1003

Keep Your Identity SAFE! (Image: Credit card thief graphic) While there is no way to make yourself 100% safe from identity theft, you can DECREASE your chances of becoming a victim by following these helpful tips. These practices are crucial alongside any mortgage savings strategies to ensure overall financial health.

• Consider enrolling in a Credit monitoring/identity protection service.
• Enable two-factor authentication whenever possible. This ensures that even if your password is compromised, a second verification step is required to gain access. It typically involves a unique code sent to your mobile device or email.
• Always use strong, unique passwords, using a combination of upper and lower case letters, numbers, and special characters. Consider using a reputable password manager to help generate and securely store complex passwords.
• Limit information sharing. Be mindful of what personal information you share online, particularly on social media platforms. Avoid posting sensitive details such as your address, phone number, or birthdate publicly. Adjust your privacy settings to restrict access to your personal information.
• Beware of phishing attacks. Be cautious when sharing personal information online. Avoid clicking on suspicious links or responding to unsolicited emails. Legitimate organizations won’t request sensitive details via phone, email or text. Verify the authenticity of requests by contacting the company directly through official channels.
• Closely monitor activity on all of your accounts and credit reports for errors or suspicious activity.
• When using public Wi-Fi networks, exercise caution. Avoid accessing sensitive information or conducting financial transactions on unsecured networks.
• Regularly update software. Keep your devices, operating systems and applications up to date. Developers frequently release security patches to address vulnerabilities.

Remember, if someone is giving you an offer that sounds “too good to be true”… it likely is!

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Brian Curl Loan Originator NMLS 1582934 Wholesale Mortgage Source 303 Middletown Park Place, Unit D, Louisville KY 40243 Phone: (502) 738-1003 Website: www.wmsource.com Email: bcurl@wmsource.com

© 2025 Wholesale Mortgage Source. All rights reserved. Programs and rates subject to change without notice. This information is for educational purposes only and not a commitment to lend.