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Don’t Wait Until Next Year to Buy a Home!
Thinking of waiting until next year for lower interest rates? Find out why buying now might be the better option.
Historically, there are buyer advantages when rates are higher just as there are when rates are lower. For instance, higher rates may slow the housing market, reducing competition, and enticing sellers to either negotiate on price or contribute to the buyer’s closing costs including a rate buydown. The best advice is to be prepared and that STARTS with a pre-approval at Summit.
There is never a time expectation or an expiration to your pre-approval with Summit Mortgage Corporation. You will have all the time you need to create the best loan option and find the right home. We want to give you the gift of more time to have the best homebuying strategy.
There's no reason to wait.
Ready to get started? Here are the next steps.
- Complete the quick form below.
- One of our expert loan officers will contact you ASAP.
- We will gather some information about your goals.
- Your pre-approval requirements and documentation will be explained by your loan officer.
- Make the plan – Having all this information makes it much easier to get started.
Take a step closer to your dream home by filling out the form below!
(it only takes 45 seconds!)
Now or Later?
The BENEFITS of getting pre-approved now vs later.
Waiting for lower interest rates may not be the best choice. Historically when rates drop home prices go up as does the competition with other buyers. Here is a rate vs price comparison.
| Current Estimate | Future Estimate | |
|---|---|---|
| INTEREST RATE | 6.75% / 6.983 APR | 6.25% / 6.454 APR |
| HOME PRICE | $300,000 | $318,000 |
| MONTHLY PAYMENT OVER 30 YEARS | $1,945 | $1,958 |
Assuming a 6% annual appreciation. Income and/or geographic restrictions may apply. Loan and monthly payment scenarios used for informational purposes only, are not a prediction of future rates, and may not be specific to your situation. Rates expressed may not be available at this time. Payments do not include amounts for taxes and insurance premiums; the actual payment obligation will be greater. Rate and information prepared 10/29/2024.
First-Time Homebuyer Qualifications and Benefits
Are you wondering if you qualify for first-time homebuyer programs? The term might be misleading. You don’t actually have to be purchasing your first home to be considered a first-time homebuyer. Confused? Don’t be! First-time homebuyer benefits can offer significant financial savings and help make owning your own home a reality. Don’t let the name hold you back from achieving the American dream of homeownership. Some programs are subject to income limitations. Contact me for more information.
Affordable Loan Programs
- Head Start to Home (H2H): Up to $25,000 grant money that pays all closing and down payment costs. Only $500 minimum contribution.
- HomeReady: As little as 3% down
- HomePossible: As little as 3% down
- VA and USDA: As little as 0% down
- FHA: As little as 3.5% down
- Florida Housing Finance Corporation: As little as $1,000 down. Primary and down payment assistance loans available.
- And More…
Let’s explore how you could qualify for these home loan programs.
APPROVED offers work harder in low inventory markets.
A pre-approval from Summit Mortgage is a great strategy to get your offer to the top of the list. Our company is respected and recognized by real estate agents working hard to get their clients to closing.
Susan Lazcano
Branch Manager
NMLS: 1013615
E: slazcano@summit-mortgage.com
O: 904.333.3313
Meet Susan Lazcano, Branch Manager
Susan is a 20 year Veteran in the mortgage industry who always has her client’s best interest in mind and takes great pleasure in ensuring everyone has the opportunity to achieve the American Dream of owning their own home. Susan illustrates honesty, hard work, and innovation in assisting in the financing of your home. Susan was born and raised in Jacksonville, Florida and has made it her commitment to focus on the needs of her community. In her spare time, she enjoys going to concerts, boating and hanging with her family and her four-legged furry babies.
How can our Seller's Choice guarantee AMPLIFY your offer?
Make an offer with confidence! For qualifying borrowers, if your loan doesn’t close according to the terms of the Guarantee Letter, we’ll purchase the home in cash or pay the seller $10,000 out of our own pocket.
- Let your Real Estate Agent know you’re committed to success.
- Feel confident you’re FULLY approved.
- Make sure your offer is at the top of the pile.
- Instill confidence in the seller that your offer is SOLID.
- Minimize anxiety through the homebuying process.
Some limitations may apply.
Fill out the form below and our team will reach out to guide you.
Meet the Team
Emmanuel Gonzalez
Loan Officer
NMLS: 1050533
I am a Mortgage loan officer Currently licensed in Florida. I have worked in this industry for 10+ years. I have a wide range of experience that allows me to offer many different financing options for your specific needs.
As a bilingual loan officer, it gives me great pleasure to help people purchase their dream homes or investment homes. I take pride in providing world-class service to my clients guiding them every step of the way to ensure a smooth transaction.
Mobile: 904.525.9257
Email: emmanuelgonzalez@summit-mortgage.com
Keith Morrison
Loan Officer
NMLS: 2419790
I began my professional journey at the age of 18 when I enlisted in the Navy and was stationed in Jacksonville, FL. After serving my time in the military, I decided to pursue deep-sea diving in the Gulf of Mexico. However, I soon realized that my true passion lies in real estate, so I moved back to Jacksonville and established myself as an investor-friendly lender. Today, I take pride in assisting a diverse range of clients including active-duty military personnel, veterans, and first-time homebuyers in realizing their homeownership dreams.
When I’m not spending time with my loyal Black Lab, Bali, you can find me surfing or planning my next thrilling adventure.
Mobile: 904.303.3668
Email: kmorrison@summit-mortgage.com
Candice Steele
Loan Officer
NMLS: 2100160
My name is Candice Steele, I am a member of Summit Mortgage Corporation, serving as a Mortgage Loan Officer. I am a community-minded individual whose driving motivation is to help people be safe, happy, and housed. What better way than to follow my inspirations and help the community than working in the housing market industry? My roots are in Alabama and Jacksonville Florida. I’m intimately familiar with the pride and joy that comes with purchasing a home, particularly when someone purchases their first home. I’ve dedicated myself to helping people obtain “The American Dream”. I know that it is not as simple as just buying a home, understanding that home ownership is the beginning of building familial wealth. Knowing that it is not just a building or property, but rather, it is where people cement their legacies for themselves and their children. Because I know this, it makes me work hard for you and your family and assist you in achieving your goals and dreams of home ownership. I endeavor to do this in a manner that is easy to understand and makes the process go as smoothly as possible. I am dedicated not only to my Summit family but to your family as well. “For the people, not for profit”. I currently live in the west side section of Jacksonville, FL with my son, Kyng, and my mother, Dr. Bernice Ifediba.
Mobile: 334.531.3549
Email: candicesteele@summit-mortgage.com
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- 9600 54th Ave N, Plymouth, MN 55442
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9600 54th Ave N, Plymouth, MN 55442
Summit Mortgage Corporation licensed as Summit Home Mortgage, Inc. in NC, OR, UT, and WA; 9600 54th Ave N, Suite 100, Plymouth, MN 55442; AZ Mortgage Banker license 1038277; CA – Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MN – This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of MN. Stat. Section 47.206 (3) and (4); Licensed by the N.J. Department of Banking and Insurance; WA – CL-1041; NMLS ID #1041 (www.nmlsconsumeraccess.org)
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