Jewel Callahan NMLS 259818

It might seem that buyers are the ones that will be spending money when buying a house but many people forget that the sellers also have costs. Common costs associated with selling can include agent commissions, closing costs, staging costs, repairs that come up from the inspection, seller concessions, and moving expenses. While these costs can sometimes be negotiable, you should still try to make sure you're prepared to spend or give concessions throughout the process. Make... sure you have a selling agent that is upfront about the costs associated with hiring them, potential costs that may occur and ask them for advice on possible "fixes" you might have on your property. This can be extremely helpful when making plans on what you'll be walking away with, once the house sale is finalized. #mortgages #mortgagelife #mortgageloans #mortgagebrokers #mortgageexpert #mortgagerates #mortgagepro #mortgagelender #unionhomemortgage #loanofficer #homebuying #homebuilding #homebuyers #buyingahome #buyingahouse #homeloans #homeloan #refinance #unionhome #uhm #kcrealestate #kansascity #realestatekc #realestate #buyahome #tips #tip #tipoftheday #tiptuesday #tiptuesdays

What will you do today to practice compassion?

Today take a minute and think about where you’d like to be in 5, 10, or 15 years. Now, write it down. When you have some time work on creating a roadmap to get you to those goals. It might seem like a far off future but time doesn't stand still. It's important to have a plan otherwise time might pass you by and leave your goals unreached. If you're struggling to make a plan, meet with someone who know's what they're doing. I know some great financial advisors that I would be ...happy to refer you towards. #loanofficer #loanofficers #loanofficerlife #loanofficerextraordinaire #loanofficerinaction #loanofficerlifestyle #mortgagebroker #mortgages #mortgagebrokers #mortgagelender #mortgagerates #mortgagepro #mortgageexpert #mortgageloan #mortgagespecialist #mortgagetips #mortgageadvisor #mortgagecompany #MortgageLending #mortgageconsultant #mortgagepayments #mortgageprofessional #mortgageadvice #uhm #unionhome #unionhomemortgage #homebuying #buyingahome #preapproval #homeloans See more

Look at your debt, how much does it equal? If it's more than 15% (excluding housing and car) you'll want to make paying that debt down your top priority. When it comes to borrowing or as most people call it debt, it's important to know how much debt is responsible and manageable and how much is too much. Statistics show that you shouldn't have more than 15% of your budget going to pay off debt (excluding housing and vehicles). If it's more than that it's important to pay ...off as much as you can as quickly as you can. If you have to diminish the amount you're putting towards savings to get out of debt, do it. When going to buy a home, we do look at how much other debt you'll have besides a home loan. So keep that in mind. If you have any questions reach out and if you need financial counseling, I know some people I can refer you to. #loanofficer #loanofficers #loanofficerlife #loanofficerextraordinaire #loanofficerinaction #loanofficerlifestyle #mortgagebroker #mortgages #mortgagebrokers #mortgagelender #mortgagerates #mortgagepro #mortgageexpert #mortgageloan #mortgagespecialist #mortgagetips #mortgageadvisor #mortgagecompany #MortgageLending #mortgageconsultant #mortgagepayments #mortgageprofessional #mortgageadvice #uhm #unionhome #unionhomemortgage #homebuying #buyingahome #preapproval #homeloans See more

When creating your budget, see where you can pull from to create a category for saving if you don't already have one. The goal should be around 10% of your income. This can be a good bench mark for having a healthy savings account. However, if you can save more you should. It's important to understand that savings isn't just throwing money into a dark hole that you'll never see again, it's meant to be there in case of emergencies. Another reason to save might be to buy a hous...e or go on vacation or to replace the family care. All of these things can be costly and it's so much more rewarding to be able to save the money and enjoy yourself than worry about what you'll have to cut later to make up for it. Have any questions about saving? Send me a message and let's chat! #loanofficer #loanofficers #loanofficerlife #loanofficerextraordinaire #loanofficerinaction #loanofficerlifestyle #mortgagebroker #mortgages #mortgagebrokers #mortgagelender #mortgagerates #mortgagepro #mortgageexpert #mortgageloan #mortgagespecialist #mortgagetips #mortgageadvisor #mortgagecompany #MortgageLending #mortgageconsultant #mortgagepayments #mortgageprofessional #mortgageadvice #uhm #unionhome #unionhomemortgage #homebuying #buyingahome #preapproval #homeloans See more

Let's talk budgeting. When considering your paycheck you want to start with the bills, savings and charity; what you have to pay out each month versus what you are bringing in each month. After that you'll want to think about flexible necessities such as gas, food, and household items. Finally if there's anything left maybe entertainment or extra savings are categories you'll want to consider. Tomorrow I delve a little more into saving money and why it's important. ... #loanofficer #loanofficers #loanofficerlife #loanofficerextraordinaire #loanofficerinaction #loanofficerlifestyle #mortgagebroker #mortgages #mortgagebrokers #mortgagelender #mortgagerates #mortgagepro #mortgageexpert #mortgageloan #mortgagespecialist #mortgagetips #mortgageadvisor #mortgagecompany #MortgageLending #mortgageconsultant #mortgagepayments #mortgageprofessional #mortgageadvice #uhm #unionhome #unionhomemortgage #homebuying #buyingahome #preapproval #homeloans See more