Author: Coops Coffee - Zackry Cooper TEAM COOPER

As Team Leader, it’s my job to play to people’s strengths and in turn offer exceptional service to our borrowers, referral partners, and national builder accounts. My goal is to create a “Client For Life” by offering exceptional service and creating “Wow” moments with everyone I encounter. I believe there is no such thing as over communication and stress the importance of “under promising and over delivering.” Because of this, our team is 100% referral based. I am a passionate person and play at 100% in all areas of my life. Knowing the importance of balance between work and play, I practice living in the moment, spending time with real people, and I’m grateful for all the gifts I been given – most of all my wife Terri and son Brody. I work hard, play hard, and laugh often.

An Invitation To Notice The Invisible Joys Of Thanksgiving

 

ThanksgivingThe image that circulates around Thanksgiving each year typically includes a turkey with all the trimmings, rustic decorations in cheerful autumn hues, and endless desserts to enjoy long past the point of feeling satisfied.

However, whether your family tradition includes a formal table and multiple courses or a casual spread of food with friends and family happily enjoying the day together, the special feeling of this lovely holiday has less to do with how we set the table and more to do with what we cannot see.

We cannot see the anticipatory joy that a faraway family member feels as they leave their house to make the trip over for Thanksgiving day. We cannot see little fingerprints on the cookbooks that are passed down, nor can we see the recipes long committed to memory and taught with guiding hands to the next generation. We cannot see the footsteps of children happily running without a care in the world. We cannot see the laughter at the same stories being told and retold year after year, and we cannot see how that invisible layer of warmth will sustain a lonely parent long after the house is silent.Most of all, we cannot see the thanks that we give although it is near-tangible in its presence, raised up with invisible gratitude.

Thanksgiving is a time for gathering! This year, as friends and family come together, wishing you all the lingering joy, love and laughter. Truly, they are more satisfying than any dish on the table, no matter how much whipped cream is involved.

Happy Thanksgiving to you and yours!

Millennials: Here’s Why the Process is Well Worth It.

Millennials: Here’s Why the Process is Well Worth It. | MyKCM

Millennials have waited longer than any other generation to become homeowners, but the wait for this cohort is just about over.

According to National Mortgage News,

 “Millennials, those young adults now aged 23 to 38, are now entering their peak household formation and homebuying years.

If you’re a Millennial, you’re already well aware that you’re among a generation of those who favor fast-paced, real-time answers – and results. When you’re ready to make a decision, it’s go-time, and you probably want the latest technology at your fingertips to make it happen.

National Mortgage News agrees, stating,

“Millennials are different than previous generations—not only in their delayed homebuying but also in how they approach interactions with financial institutions, including mortgage lenders. Taking a picture of a check on their phone and depositing it without visiting a branch is not novel, it’s the way Millennials learned to do banking. They expect real-time access to account and transaction data and are frustrated when it’s not available.”

Here’s the catch – the overall speed of the homebuying process can take some time, and it might feel like it is slowing you down. When you’re ready to buy, you can make an offer and go under contract quickly, but the rest of the process might take a little longer. The same article explains why:

“When Millennials apply for a loan, the mortgage lender must qualify the borrower and determine who owns the property, how much the property is worth, and the property’s risk profile. Traditionally, this has been one of the most time-consuming and fragmented parts of the mortgage process…There are many moving pieces, each data point being sourced from a different provider, which can ultimately lead to a lengthy or delayed process.

 What has historically been accepted as the process norm does not align with the expectations of the most prominent generation in the home buying market today. Millennials have come to expect rapid, digital workflows in their daily purchase decisions, and in their mind, the home buying process shouldn’t be any different.”

So, where do you go from here?

 If you’re pre-approved for a mortgage, that will help speed things up. But the steps it takes and the time to finalize a loan with most traditional lenders may feel like an eternity to you and your generational peers. Don’t worry, though – it’s well worth the wait when you finally get the keys to your new castle!

The financial benefits of homeownership, like increasing your net worth by building equity, and the non-financial benefits, like being able to customize and improve your space, will ultimately set you on the course to happiness, success, overall satisfaction, and much, much more.

Bottom Line

If you’re feeling like it’s go-time, let’s get together and get the process moving to determine if homeownership is your next best step.

Buying a home can be SCARY…Until you know the FACTS

Buying a home can be SCARY…Until you know the FACTS [INFOGRAPHIC] | MyKCM

Some Highlights:

Many potential homebuyers believe they need a 20% down payment and a 780 FICO® score to qualify to buy a home. This stops many people from even trying to jump into homeownership! Here are some facts to help take the fear out of the process:

  • 71% of buyers who purchased homes have put down less than 20%.
  • 78.1% of loan applications were approved last month.
  • In September, the average credit score for approved loans was 737.

Check Out Team Cooper’s Spring Buying Guide For 2019 . . . . . Be Thankful You Don’t Have To Pay Mom And Dad’s Interest Rates!

#Realtor #Realtorlife #RealEstateBroker #RealEstateBrokers #BayAreaRealEstate #TeamZackryCooper #TeamCooper #MortgageBroker #mortgages #MortgageLender #MortgageLoans #mortgageSpecialist
#realtor #realestateagent
#CAR #NAR #mortgageExpert #HomeLoans #HomeLoansGuru
#homeloanjedi
#connector