Alicia Marie Bergfeld, NMLS 1892583

06/21/2023

Hello Summer! 🌞 While you’re flipping burgers 🍔, I’m flipping mortgage rates to get you the best deal. Let’s make this season sizzle with savings! 🏖️💰

06/20/2023

What NOT to do before applying for a mortgage

Applying for a mortgage can be exciting- Yay! You’re officially adulting 😁 But did you know there are a few key things NOT to do before applying?

Below, I’ve listed some common red flags to Mortgage underwriters 👇

⛔ 🚗 DO NOT buy a car
⛔ 💳 DO NOT use your credit card excessively
⛔ 💸 DO NOT make random, large deposits
⛔ 🛏️ DO NOT buy furniture and appliances
⛔ 📑 DO NOT co-sign for another loan
⛔👔 DO NOT change jobs

Play it safe until after you’ve closed, then go buy that new car you’ve been eyeing 😉

06/18/2023

👔💙 This Father’s Day, let’s raise a toast to the Dads who taught us the value of a solid foundation – both in life and in homeownership! Whether it’s his DIY wizardry 🔨, or his knack for finding the best bargain, Dad’s home-buying wisdom is always on point. Let’s celebrate those fatherly insights that help turn a house into a HOME 🏡. To all the Dads who taught us to dream big, invest smart, and always carry a spare set of keys 🔑, Happy Father’s Day! 🎉

06/16/2023

HOW TO PAY OFF MORTGAGE EARLY? | Tip #1

Wanna know how to pay off your mortgage early? Check this out…Rather than paying your mortgage once a month, switch to biweekly payments. Wait…What?

In theory, you will be paying the same amount each month. However, there are 52 weeks in a year which would be 13 full-sized payments per year through biweekly payments, versus 12 payments per year with traditional monthly payments.

Example:

30-year $200,000 mortgage at 5% interest

Making biweekly payments saves you $34,328 in interest, decreases your number of overall mortgage payments which leads to paying your mortgage out in full almost five years earlier versus traditional monthly payments!

Interested to get more tips from me on how to pay off your mortgage early? LIKE THIS POST!

06/14/2023

Myth vs Fact: If you owe a lot of student loan debt…

Let’s set the record straight by debunking yet another Home-Buying Myth once and for all.💪💪

⛔ Myth: If you owe a lot of student loan debt, there is no way you can get a mortgage.
✔️Reality: Having a lot of student loan debt doesn’t automatically disqualify you from getting a mortgage. The key factor is not necessarily the size of your loan, but the amount of your total monthly debt payments compared to your monthly income. This is called DTI. 🧑‍🎓

The bottom line? Strategy! 📈📈 Explore your home financing options early, and start building a personal team of experts on your side.

DM me to learn more!

06/12/2023

Ah, the closing! The finish line of your home-buying marathon, where all your paperwork dreams come true (lol). But before you can pop the champagne and bask in your new home’s glory, there’s a bit of prep work to be done. So, buckle up and get ready for the rundown of what to expect and how to get ready for this grand finale!

Here are a few key points to keep in mind:

🔸Expect to sign a significant amount of paperwork during the closing process
🔸Review and finalize all details of the sale agreement, including funds transfer
🔸Be sure to have all necessary identification and funds available on closing day
🔸Thoroughly review all closing documents before signing
🔸Be aware of all closing costs involved in the transaction
🔸Consider having a trusted real estate agent or attorney present to assist with the process

Come prepared with a sharp pen, a clear head, and your patience fully charged. And voila! You’ll be the proud new owner of your dream home in no time.

06/08/2023

👭💖 Hey, it’s Best Friends’ Day! What’s more exciting than celebrating friendship? How about celebrating it in a home you both adore!

Imagine the endless laughter echoing in the living room, movie nights in the cozy den, or impromptu dance-offs in the kitchen – the possibilities are endless!

So here’s to good times, great friends, and homes that welcome the joy of friendship every day! 🎊 Happy Best Friends’ Day, from my home to yours! 🏠

06/13/2022

05/28/2022

This is why you should ALWAYS use a local lender!

Unlike the big banks, I’ll be available all weekend for last minute pre-approvals! 🏡 ♥️🏡

05/11/2022

Girl power! ✌️

While it's traditional to wait until you're married to buy a home, more single women are opting to go it alone.

03/04/2022

12/05/2021

Don’t wait till it’s too late, GET PRE-APPROVED‼️

🏡♥️🔑