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179 Ways Agents Add Value

CURRENT RATES CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.125%.......6.351% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------TO MY RIGHT: FED RATE CUT ARTICLESNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Housing Market Current Events – Strategies – June 19th, 2024

CURRENT RATES CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.125%.......6.351% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------TO MY RIGHT: FED RATE CUT ARTICLESNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – June 13th

CURRENT RATES CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.125%.......6.351% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------TO MY RIGHT: FED RATE CUT ARTICLESNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – June 7th

CURRENT RATES CONVENTIONAL 30: 6.875%......7.02% APRCONVENTIONAL 15: 6.375%.......6.778% APRVA 30: 6.625%.......6.905% APRFHA 30: 6.625% .....7.444% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------BUYER AGENTS - HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – May 24

CURRENT RATES CONVENTIONAL 30: 6.875%......7.02% APRCONVENTIONAL 15: 6.375%.......6.778% APRVA 30: 6.625%.......6.905% APRFHA 30: 6.625% .....7.444% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – May 17

CURRENT RATES CONVENTIONAL 30: 6.875%......7.02% APRCONVENTIONAL 15: 6.375%.......6.778% APRVA 30: 6.625%.......6.905% APRFHA 30: 6.625% .....7.444% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

BUYER PRESENTATIONS

Navigating Homeownership: The Power of Buyer's Agent and Lender CollaborationWelcome to our Buyer Presentation! As your lender, I'm here to guide you alongside your Buyer's Agent to ensure your homeownership journey is as smooth and successful as possible. Together, we bring a wealth of knowledge and a coordinated approach that adds exceptional value to your home-buying process.Expert Insights and Personalized SupportFrom Your Buyer's Agent, Name Here:Market Analysis: Brad provides critical insights into the current market trends and property valuations, helping you make well-informed decisions.Curated Property Selection: Leveraging his deep understanding of the market, Brad helps you find homes that match your preferences and needs ideally.Strategic Offers: With Brad's expert guidance, you'll be equipped to make compelling offers that stand out in a competitive market, enhancing your chances of securing your dream home.From Your Lender, Noel Smith:Digital Innovation: Enjoy a streamlined process with digital tools that offer instant approvals and detailed financial breakdowns. Our innovative approach ensures you have all the necessary information at your fingertips, simplifying complex decisions.Appraisal Confidence: I'll provide practical strategies to handle appraisal gaps, ensuring you remain financially secure and confident throughout the buying process. Even if the appraisal comes in low, we have plans to keep your transaction moving smoothly without unexpected financial strain.Tailored Financial Solutions⚡️Digital Offer: Revolutionizing the Offer Process ( video ➡️ )This solution enhances transparency and efficiency, integrating seamlessly with your Buyer's Agent's strategy to present a compelling offer that includes:⚡️Commission Gap Strategy: Fairness in Transactions ( video ➡️ )When seller-offered commissions fall short, our Commission Gap approach offers solutions to cover the difference without burdening the buyer. Thus, we maintain the integrity of the transaction and ensure fair compensation for your Buyer's Agent.Our combined expertise empowers you with personalized support and enhances your overall experience from start to finish. We are committed to helping you navigate every aspect of the home-buying journey, ensuring you feel confident and informed at every step. Let's make your dream of homeownership a reality together!⚡️Appraisal Gap Coverage: Protecting Your Investment ( video ➡️ )Unexpected appraisal shortfalls can disrupt transactions. Our Appraisal Gap solution provides a safety net, accommodating various down payments and ensuring the transaction remains on track without additional financial strain on the buyer.⚡️Affordability Solutions: Customized Financing Options ( video ➡️ )

Mortgage Rates and the Market – May 3rd

CURRENT RATES CONVENTIONAL 30: 7.125%......7.274% APRCONVENTIONAL 15: 6.75%.......6.985% APRVA 30: 6.75%.......7.033% APRFHA 30: 6.75% .....7.572% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – April 12

CURRENT RATES - Rates IMPROVED .25% from Last Friday. - WERE ON A NICE LITTLE RUN!CONVENTIONAL 30: 6.99%......7.137% APRCONVENTIONAL 15: 6.49%.......6.721% APRVA 30: 6.75%.......7.033% APRFHA 30: 6.75% .....7.572% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – March 29th

CURRENT RATES - Rates IMPROVED .25% from Last Friday. - WERE ON A NICE LITTLE RUN!CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.25%.......6.478% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------NAR RULING/Buyer Agent Commission Strategy:With the NAR Guides in regards to Buyer Side Commissions, its very fluid, however we are getting a lot of calls and questions on what lenders are doing. Right now, were working through Solutions. One Solution that will come up more and more is the Commission Gap Strategy for Buyer Side AgentsNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – March 22nd

CURRENT RATES - Rates IMPROVED .25% from Last Friday. - WERE ON A NICE LITTLE RUN!CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.25%.......6.478% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------NAR RULING/Buyer Agent Commission Strategy:With the NAR Guides in regards to Buyer Side Commissions, its very fluid, however we are getting a lot of calls and questions on what lenders are doing. Right now, were working through Solutions. One Solution that will come up more and more is the Commission Gap Strategy for Buyer Side AgentsNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – March 8th

CURRENT RATES - Rates IMPROVED .25% from Last Friday. - WERE ON A NICE LITTLE RUN!CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.25%.......6.478% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THE MARKET RIGHT NOW: This Morning we are improved due the unemployment rate raising more than expected.LOW INVENTORY = MULTIPLE OFFERS ON LISTINGS. Your offer Must Stand Out in order to get the Sellers Attention ---- Solution is The DIGITAL OFFER. Click HERE: https://www.smithmtg.com/presentation/FMEqxkmrNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage Advisor SmithGroup@fairwaymc.com208.406.2451

THE DIGITAL CMA

Hello,I wanted to give you some vital information to look over before our upcoming appointment. We aim to ensure that we are fully equipped for our forthcoming meeting.When determining the value of your home, we rely on a comparative market analysis (CMA), which analyzes recently sold properties similar to yours. This allows us to establish a competitive listing price or make informed offers when you're looking to purchase another property. Our expertise goes beyond that of a traditional realtor. I also collaborate with my lending partner so that he can provide financial solutions, ensuring we can address potential problems that might arise during an escrow.DIGITAL CMA W/REALTOR VIDEO EXAMPLE: https://www.nicholsonloans.com/presentation/FMA9AfR9⚡️ Selling in the Digital Age:Welcome to the future of home selling. The "Modern Home Seller's Guide" offers a comprehensive look into the digital tools transforming the real estate landscape. Equip yourself with the knowledge to position your home for maximum visibility and value in today's market.Our problem-solving strategies have saved many sellers thousands of dollars, making us the ideal choice for listing your home. We possess the skills and dedication required to navigate challenges and secure the best possible outcome for you....................................................Here are two specific challenges we can tackle effectively:⚡️Appraisal Gap Solution:If the value comes in low, we have an appraisal gap solution to deploy if your home's appraised value falls short of your desired listing price. This solution bridges the gap between the appraised value and your target price, helping us secure the best possible offer for your home. For more details, I've included a video explaining our appraisal gap solutions ( see the video below ) ⬇️⚡️Negotiating Low-Ball Offers:If we receive a low-ball offer from a potential buyer, we have a proven strategy to counter that offer and arrange a payment that aligns with their request while minimizing costs. This enables us to achieve a fair price that matches the buyer's initial offer while protecting your financial interests. ( see the video below ) ⬇️⚡️Marketing The Rate Buy Down:If your listing is priced correctly and is not moving as it should be, here is our plan to help market the property with a rate buy down, which creates affordability for buyers and helps regain their buying. This is important because we can do this and have a 300% increase in buyers' qualifications vs. standard price drops like most listing agents will do to your home.( see our sample listing below.) ⬇️https://www.smithmtg.com/listing/FMEtCtCU...................................................We are excited to discuss these solutions in more detail during our appointment. Feel free to reach out if you have any questions or need further information.Thank you,You - The Listing Agent!

THE DIGITAL OFFER

Hello,As the real estate landscape evolves, so does our strategy for offer submissions, ensuring we stand out distinctly.Introducing my enhanced approach:⚡️ Personalized Video Message: A unique touch from me, underscoring the earnestness of our offer.⚡️ Instant Approval Letter: A testament to your client's immediate commitment.⚡️ Transparent Financial Overview: A client-verified breakdown, laying out the offer's specifics.What sets us apart?Post my initial interaction or voicemail with the Listing Agent, I can deliver our entire offer straight to the agent via text. This ensures our proposal receives the prominence it merits. A bespoke thumbnail of the property further showcases our dedication.In a market where every nuance is pivotal, will your offers merely fit in or make a striking impression? The transition from conventional PDFs to the impactful 'Digital Offers' strategy alongside me. Together, let's revolutionize the way your buyers attain their dream properties.Are you set to shape the future?Best,Noel Smith

Mortgage Rates and the Market – March 1st

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.875%......7.02% APRCONVENTIONAL 15: 6.49%.......6.721% APRVA 30: 6.625%.......6.905% APRFHA 30: 6.625% .....7.444% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THIS WEEK: Rates IMPROVED .125% from Last Friday.Next Weeks MARKET MOVERS: ADP Jobs Report on WEDNESDAY. BLS Jobs Report on FRIDAY.Need to Make an offer over list price? USE OUR BID OVER ASK TOOL TO SHOW YOUR CLIENTS: https://www.smithmtg.com/presentation/4KGsh76Need To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – Feb 23rd

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.99%......7.137% APRCONVENTIONAL 15: 6.49%.......6.721% APRVA 30: 6.75%.......7.033% APRFHA 30: 6.75% .....7.572% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THIS WEEK: Rates Up .125% this week. The Fed however is focused on PCE and that reading comes out next week which could be a market mover!Need to Make an offer over list price? USE OUR BID OVER ASK TOOL TO SHOW YOUR CLIENTS: https://www.smithmtg.com/presentation/4KGsh76Need To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – Feb 16th

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.875%......7.02% APRCONVENTIONAL 15: 6.375%.......6.605% APRVA 30: 6.625%.......6.905% APRFHA 30: 6.625% .....7.444% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THIS WEEK: CPI and PPI higher than expected increasing rates from last week approximately .25%. The Fed however is focused on PCE, we believe this is a knee jerk reaction and are very bullish that rates will continue their trend lower in the coming months to quarters.HOW CAN YOUR OFFER STAND OUT: DIGITAL OFFERS: https://www.smithmtg.com/presentation/FMEqyIYLNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – Feb 2nd

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 6.25%.......6.478% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THIS WEEK: BLS JOBS REPORT: 353k Jobs Created vs. 180k expected! Complete Contrast to ADP at 107k Jobs.LOTS of Seasonal Adjustments. The Market doesnt like thus far and rates are up initially.NEXT WEEK:Monday: ISM ServicesWednesday: Mortgage AppsThursday: Initial Jobless ClaimsHOW CAN YOUR OFFER STAND OUT: DIGITAL OFFERS: https://www.smithmtg.com/presentation/FMEqyIYLNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

VA Loans

No Down Payment:VA loans often allow eligible veterans and active-duty service members to purchase a home with no down payment. This can be a significant advantage compared to conventional loans that typically require a substantial down payment.Competitive Interest Rates:VA loans typically offer competitive interest rates, which can result in lower monthly mortgage payments. This benefit helps make homeownership more affordable for veterans and service members.Limited Closing Costs:VA loans come with limitations on the closing costs that veterans can be charged. This can reduce the upfront expenses associated with buying a home, making it more accessible for those who qualify.Flexible Credit Requirements:While the VA does not set a minimum credit score requirement, lenders may have their own standards. However, VA loans often have more flexible credit requirements compared to conventional loans, making it easier for some veterans with less-than-perfect credit to qualify.No Private Mortgage Insurance:Unlike many conventional loans, VA loans do not require private mortgage insurance (PMI). This can result in additional savings for borrowers, as they won't have to pay a monthly PMI premium, further contributing to the affordability of homeownership.

THE DIGITAL LISTING

Revolutionize Your Open Houses with Digital SolutionsDear Listing Agents,In today's swiftly changing real estate environment, the intersection of technology and property marketing has never been more crucial. The digital realm is not just an alternative; it's becoming the standard, shaping the expectations of potential buyers and setting new benchmarks for property presentations.We recognize this shift and're thrilled to unveil our Digital Open House initiative. More than just a virtual tour, it's a holistic and immersive digital experience. Crafted with precision, our platform is meticulously designed to offer a deep dive into properties. From interactive floor plans and 360-degree visuals to detailed neighborhood insights and real-time buyer-agent communication, we ensure every facet of the property is highlighted.This isn't about replacing the traditional; it's about enhancing it. By integrating state-of-the-art technology, we aim to provide a richer, more informative, and engaging experience for potential buyers and their agents. With the Digital Open House, we're not just presenting properties; we're telling their stories, ensuring your listings are seen and remembered.Join us in redefining property showcasing, where digital innovation meets real estate excellence.⚡️ Highlights Of A Digital Open House ⚡️We can use some or all of the following features below.➡️ Financing Details: We provide a unique Total Cost Analysis (TCA) video for each property. This breaks down all costs, payments, and options associated with purchasing the home, offering a transparent and comprehensive understanding of the financial aspects.➡️ Property Tours: We can integrate any property tour videos you've created and uploaded on YouTube. Showcasing the house inside and out, these videos are a valuable tool for immersing potential buyers in the property.➡️ QR Codes: Our special property QR codes can be printed and placed around the house during open houses. Once scanned, we capture consumer data, allowing us to provide personalized information about the property and financing options.➡️ Rate Buy-Down Video: Leveraging my expertise in rate buy-downs, I can create a separate TCA report showcasing different rate buy-down options that could be utilized to purchase the property.➡️ Traditional Property Flyers with QR Codes: We provide traditional property flyers alongside digital offerings. When scanned, these codes direct users to the property site URL for detailed information about the home.➡️ Matterport Video: We can integrate this into our site if you have recorded a 3D Matterport tour of the property. This provides an immersive visual experience for buyers and their agents, giving them a comprehensive view of the property.➡️ Appointment Scheduling Widget: Our property site includes a widget for scheduling calls using Calendly. This allows potential buyers or their agents to set up a 15-minute call to ask questions or discuss the property and financing options further.➡️ Pre-Approval Widget: We have a widget with my contact information and an application for those ready to proceed with a link to the loan application. This streamlines the pre-approval process and gets buyers one step closer to their dream home.➡️ Market Reports: This detailed report shows the actual numbers on income, demographics, and trends so that buyers and sellers can make a more informed decision on selling and buying.➡️ Bid Over Ask: This report can be customized to show a potential buyer who might hesitate to submit a competitive offer to a seller. This delivers a possible ROI on a bid over the list price.Our Digital Open House can revolutionize how you conduct open houses, enhancing the experience for potential buyers and increasing the chances of a successful sale. I look forward to supporting your next open house with these innovative digital tools.Sample Property Site - https://www.nicholsonloans.com/listing/FMA5jp3B

Mortgage Rates and the Market – January 26th

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 5.99%.......6.215% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THIS WEEK: CORE PCE/INFLATION NOW BELOW 3%, at 2.9%. This is big and very close to the FED's Goal of 2%Consumer Spending Up....Savings rate Down.More Families with Higher Credit Card BalancesHOW CAN YOUR OFFER STAND OUT: DIGITAL OFFERS: https://www.smithmtg.com/presentation/FMEqyIYLNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

THE DIGITAL OFFER

Hello,As the real estate landscape evolves, so does our strategy for offer submissions, ensuring we stand out distinctly.Introducing my enhanced approach:⚡️ Personalized Video Message: A unique touch from me, underscoring the earnestness of our offer.⚡️ Instant Approval Letter: A testament to your client's immediate commitment.⚡️ Transparent Financial Overview: A client-verified breakdown, laying out the offer's specifics.What sets us apart?Post my initial interaction or voicemail with the Listing Agent, I can deliver our entire offer straight to the agent via text. This ensures our proposal receives the prominence it merits. A bespoke thumbnail of the property further showcases our dedication.In a market where every nuance is pivotal, will your offers merely fit in or make a striking impression? The transition from conventional PDFs to the impactful 'Digital Offers' strategy alongside me. Together, let's revolutionize the way your buyers attain their dream properties.Are you set to shape the future?Best,Noel Smith

THE DIGITAL CMA

Hello,I wanted to give you some vital information to look over before our upcoming appointment. We aim to ensure that we are fully equipped for our forthcoming meeting.When determining the value of your home, we rely on a comparative market analysis (CMA), which analyzes recently sold properties similar to yours. This allows us to establish a competitive listing price or make informed offers when you're looking to purchase another property. Our expertise goes beyond that of a traditional realtor. I also collaborate with my lending partner so that he can provide financial solutions, ensuring we can address potential problems that might arise during an escrow.DIGITAL CMA W/REALTOR VIDEO EXAMPLE: https://www.nicholsonloans.com/presentation/FMA9AfR9⚡️ Selling in the Digital Age:Welcome to the future of home selling. The "Modern Home Seller's Guide" offers a comprehensive look into the digital tools transforming the real estate landscape. Equip yourself with the knowledge to position your home for maximum visibility and value in today's market.Our problem-solving strategies have saved many sellers thousands of dollars, making us the ideal choice for listing your home. We possess the skills and dedication required to navigate challenges and secure the best possible outcome for you....................................................Here are two specific challenges we can tackle effectively:⚡️Appraisal Gap Solution:If the value comes in low, we have an appraisal gap solution to deploy if your home's appraised value falls short of your desired listing price. This solution bridges the gap between the appraised value and your target price, helping us secure the best possible offer for your home. For more details, I've included a video explaining our appraisal gap solutions ( see the video below ) ⬇️⚡️Negotiating Low-Ball Offers:If we receive a low-ball offer from a potential buyer, we have a proven strategy to counter that offer and arrange a payment that aligns with their request while minimizing costs. This enables us to achieve a fair price that matches the buyer's initial offer while protecting your financial interests. ( see the video below ) ⬇️⚡️Marketing The Rate Buy Down:If your listing is priced correctly and is not moving as it should be, here is our plan to help market the property with a rate buy down, which creates affordability for buyers and helps regain their buying. This is important because we can do this and have a 300% increase in buyers' qualifications vs. standard price drops like most listing agents will do to your home.( see our sample listing below.) ⬇️https://www.smithmtg.com/listing/FMEtCtCU...................................................We are excited to discuss these solutions in more detail during our appointment. Feel free to reach out if you have any questions or need further information.Thank you,You - The Listing Agent!

Mortgage Rates and the Market – January 19th

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.625%......6.767% APRCONVENTIONAL 15: 5.99%.......6.215% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------THIS WEEK: NAHB BUILDER CONFIDENCE ROSE TO 44. Still, technically in Contraction yet definitely better news.Chris Waller, Fed Governor, saying he is confident the FED is close to a consistent 2% Inflation/PCE number. Says we should'nt cut so quickly.Economic News Next Week:Monday:Wednesday:Thursday: Durable Goods Orders & Initial Jobless ClaimsFriday: CORE PCE/INFLATION: MARKET MOVERHOW CAN YOUR OFFER STAND OUT: DIGITAL OFFERS: https://www.smithmtg.com/presentation/FMEqyIYLNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Retirement Mortgage Options

Our Cash Guarantee Program

Mortgage Rates – Jan 5, 2024

RATES:CONVENTIONAL 30: 6.49%......6.63% APRCONVENTIONAL 15: 5.99%.......6.215% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.25% .....7.06% APR-----------------------*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%This Week's News:ADP Employment Report - 164,000 Jobs CreatedFED More Convinced that Inflation Coming Down/Under ControlNext Week:Monday: 10 Year Note AuctionTuesday: Consumer Price Index, 30 Year Bond AuctionWednesday: Producer Price index and FED MeetingThursday: Retail SalesDoes Your client need to offer over asking price? Show them this:https://www.smithmtg.com/presentation/99774Need A Quick Pre-Approval?......Your Home Application here:https://mtgpro.co/dr/c/coeapSchedule a meeting with me:https://calendly.com/noels-1/30minNoel Smith, Sr. Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Loan Product Matrix

Mortgage Rates and the Market – January 12th

CURRENT RATES - Unchanged since last week, however CORE Inflation Reading Under 4% at 3.9%, which is BIG.CONVENTIONAL 30: 6.375%......6.514% APRCONVENTIONAL 15: 5.875 %.......6.098% APRVA 30: 6.125%.......6.395% APRFHA 30: 6.125% .....6.932% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------Economic News Next Week:Monday: Market Closed for MLK HolidayWednesday: Mortgage Apps & Retail SalesThursday: Housing Starts & Initial Jobless ClaimsFriday: Existing Home SalesHOW CAN YOUR OFFER STAND OUT: DIGITAL OFFERS: https://www.smithmtg.com/presentation/FMEqyIYLNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – December 15th

CONVENTIONAL 30: 6.49%......6.63% APRCONVENTIONAL 15: 5.99%.......6.215% APRVA 30: 6.25%.......6.522% APRFHA 30: 6.49% .....6.125...6.932% APR-----------------------*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%This Week's News:BLS Jobs Report showed 199k new jobs created however more revisions down from prior months. We DONT believe this report will change the Fed's course of action although Powell may have another Hawkish tone in his comments next week.Next Week:Monday: NAHB Housing Market IndexTuesday: Housing Starts and PermitsWednesday: Mortgage Apps - Existing Home Sales - 20 Year Bond AuctionThursday: GDP Q3 Final Reading - Initial Jobless ClaimsFriday: PCE - New Home SalesDoes Your client need to offer over asking price? Show them this:https://www.smithmtg.com/presentation/99774*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------Need A Quick Pre-Approval?......Your Home Application here:https://mtgpro.co/dr/c/coeapSchedule a meeting with me:https://calendly.com/noels-1/30minWe're available!The Smith GroupSmithGroup@fairwaymc.com208.406.2451

Mortgage Rates and the Market – December 8th

CONVENTIONAL 30: 6.875%......7.02% APR CONVENTIONAL 15: 6.49%.......6.721% APR VA 30: 6.625%.......6.905% APR FHA 30: 6.49% .....7.306% APR ----------------------- *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% This Week's News: BLS Jobs Report showed 199k new jobs created however more revisions down from prior months. We DONT believe this report will change the Fed's course of action although Powell may have another Hawkish tone in his comments next week. Next Week: Monday: 10 Year Note Auction Tuesday: Consumer Price Index, 30 Year Bond Auction Wednesday: Producer Price index and FED Meeting Thursday: Retail Sales Does Your client need to offer over asking price? Show them this: https://www.smithmtg.com/presentation/99774 *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Our Cash Guarantee Program

New Conforming Loan Limits

Mortgage Rates and the Market – December 1st

CONVENTIONAL 30: 6.875%......7.02APR CONVENTIONAL 15: 6.49%.......6.721 APR VA 30: 6.625%.......6.905% APR FHA 30: 6.625% .....7.444% APR ----------------------- Economic News Next Week: Tuesday: ISM Services and JOLTS Wednesday: Mortgage Apps/ADP Employment Report Thursday: INITIAL Jobless Claims Friday: BLS JOBS REPORT *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Tough Market yet a wonderful opportunity for those in the Industry

Mortgage Rates and the Market – November 17th

CONVENTIONAL 30: 7.125%......7.274 APR CONVENTIONAL 15: 6.75%.......6.985 APR VA 30: 7.125%.......7.416% APR FHA 30: 6.75% .....7.572% APR ----------------------- Economic News Next Week: Tuesday: Consumer Price Index Wednesday: Producer Price Index Thursday: NAHB Housing Market Index Friday: Housing Starts and Permits *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Real Estate Report Card

Mortgage Rates and the Market – November 10th

CONVENTIONAL 30: 7.49%......7.643 APR CONVENTIONAL 15: 6.99%.......7.228 APR VA 30: 7.25%.......7.544% APR FHA 30: 7.25% .....8.084% APR ----------------------- Economic News Next Week: Tuesday: Consumer Price Index Wednesday: Producer Price Index Thursday: NAHB Housing Market Index Friday: Housing Starts and Permits *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Good Neighbor Next Door Program – Law Enforcement officers, firefighters, EMT’s and Teachers

50% of the Sales Price and with $100 Down Payment. Law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return, an eligible buyer must commit to live in the property for 36 months as his/her principal residence. How the Program Works Eligible Single Family homes located in revitalization areas are listed exclusively for sale through the Good Neighbor Next Door Sales program. Properties are available for purchase through the program for seven days. How to Participate in Good Neighbor Next Door Check the listings for your state. Follow the instructions to submit your interest in purchasing a specific home. If more than one person submits an offer on a single home a selection will be made by random lottery. You must meet the requirements for a law enforcement officer, teacher, firefighter or emergency medical technician and comply with HUD's regulations for the program. HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement. The number of properties available is limited and the list of available properties changes weekly. To learn more, please visit our FHA Frequently Asked Question page. GOOD NEIGHBOR NEXT DOOR ELIGIBLE PARTICIPANTS The U.S. Department of Housing and Urban Development (HUD) wants to make American communities stronger and to build a safer nation. The Good Neighbor Next Door (GNND) program helps make this goal a reality by encouraging law enforcement officers, pre-K through 12th grade teachers and firefighters/emergency medical technicians to become homeowners in revitalization areas. Who Can Participate? Law Enforcement A person qualifies as a law enforcement officer for the purposes of the GNND Sales Program if the person is: Employed full-time by a law enforcement agency of the federal government, a state, a unit of general local government, or an Indian tribal government; In carrying out such full-time employment, the person is sworn to uphold, and make arrests for violations of, federal, state, tribal, county, township, or municipal laws and The full-time employment in paragraph (a) of this section must, in the normal course of business, directly serve the locality in which the home is located. Teachers A person qualifies as a teacher for the purposes of the GNND Sales Program if the person is: Employed as a full-time teacher by a state-accredited public school or private school that provides direct services to students in grades pre-kindergarten through 12; and The full-time employment in paragraph (a) of this section must, in the normal course of business, serve students from the locality where the home is located. Firefighter or Emergency Medical Technicians A person qualifies as a firefighter/emergency medical technician for the purposes of the GNND Sales Program if the person is: Employed full-time as a firefighter or emergency medical technician by a fire department or emergency medical services responder unit of the Federal Government, a State, unit of general local government, or an Indian tribal government; and The full-time employment in paragraph (a) of this section must, in the normal course of business, directly serve the locality where the home is located.

Mortgage Rates and the Market – November 3rd

CONVENTIONAL 30: 7.375%......7.527 APR CONVENTIONAL 15: 6.875%.......7.111 APR VA 30: 7.125%.......7.416% APR FHA 30: 7.125% .....7.956% APR ----------------------- *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Lock and List

***LOCK IN Your Listings Interest Rate Now*** Fairway's Lock and List It Program allows the seller to lock in an interest rate for the home they are selling before there is a buyer. This could be a huge advantage for a seller who can potentially offer a lower interest rate to their buyers! The Buyer can update the lock to their specific loan term and loan product.

Mortgage Rates and the Market – October 27th

CONVENTIONAL 30: 7.75%/7.907 APR CONVENTIONAL 15: 7.25%/7.492 APR VA 30: 7.49%/7.789% APR FHA 30: 7.25%/8.804% APR ------------------------ Next Week: Monday - Tuesday - Case Shiller Home Price Index Wednesday - ADP Employment Report Thursday - Initial Jobless Claims Friday - BLS Jobs Report *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Conforming Loan Limits raised to $750k

Do your clients need to close quickly? Fairway Advantage Pre-Approval

Mortgage Rates and the Market – October 20th

CONVENTIONAL 30: 7.875%/8.034 APR CONVENTIONAL 15: 7.49%/7.735 APR VA 30: 7.625%/7.927% APR FHA 30: 7.625%/8.469% APR ------------------------ Next Week: Monday - Tuesday - Wednesday - New Home Sales Thursday - First Reading Q3 GDP - Pending Home Sales Friday - *MARKET MOVER* --- Personal Consumption Expenditures (PCE) *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Buying a home and over the age of 62? Reverse mortgage for your purchase

Buying a Fixer Upper? Renovation Loans are your solution!

Mortgage Rates and the Market – October 13th

CONVENTIONAL 30: 7.625%/7.78 APR CONVENTIONAL 15: 7.00%/7.238 APR VA 30: 7.25%/7.544% APR FHA 30: 7.25%/8.084% APR ------------------------ Next Week: Monday - Tuesday - Retail Sales Wednesday - Mortgage Apps and Housing Starts Thursday - Initial Jobless Claims, Existing Home Sales Friday - *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Conventional – Multi Family LTV Going from 85% to 95% – Great News!

Mortgage Rates – October 6th

CONVENTIONAL 30: 7.625%/7.78 APR CONVENTIONAL 15: 7.375%/7.618 APR VA 30: 7.375%/7.672% APR FHA 30: 7.375%/8.212% APR ------------------------ Jobs Data is In BLS Jobs Report show 336k New Jobs Created in September, much stronger than 170k estimated. More jobs = Pressure on Mortgage Rates. Where are the New Jobs coming from: Part Time workers and Multiple job holders. So, this gives you a bit of a different picture showing cracks in a job picture that may not be nearly as good as these general numbers show, we shall see! Next Week - Monday - Markets Closed for Columbus Day Tuesday - Small Business Optimism Index Wednesday - Producer Price Index and Mortgage Apps Thursday - Consumer Price Index and Initial Jobless Claims Friday - *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Crush Your Next Open House!

Your Real Estate Report Card

Into the weekend – Mortgage Rates – September 29th

CONVENTIONAL 30: 7.49%/7.643 APR CONVENTIONAL 15: 6.99%/7.228 APR VA 30: 7.125%/7.416% APR FHA 30: 7.125%/7.956% APR ------------------------ Jobs and Inflation - That's it! Rates increased higher earlier in the week due to the Fed's comments on their fed funds rate staying higher for longer. Job less claims still on the lower end. Personal Consumption expenditures, feds favorite inflation gauge came in at .4% in August, slightly lower than projections. This hits the point that inflation is coming down yet its going to be a slow drip...HANG IN THERE, better days are coming, no doubts....And, the main reason Inflation increased? Gasoline/Energy prices... Next Week - Monday - Tuesday - Case Shiller Home Price Index & New Home Sales Wednesday - Q2 Final GDP Thursday - Initial Jobless Claims Friday - PCE (Market Mover) *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here:https://mtgpro.co/dr/c/coeap Schedule a meeting with me:https://calendly.com/noels-1/30min We're available! The Smith GroupSmithGroup@fairwaymc.com 208.406.2451

Outside the Box Loans

State of The Market with Dave Stephens

Into the weekend – September 22nd

CONVENTIONAL 30: 7.25%/7.40 APR CONVENTIONAL 15: 6.99%/7.228 APR VA 30: 7.125%/7.416% APR FHA 30: 6.99%/7.818% APR ------------------------ Next Week - Monday - Tuesday - Case Shiller Home Price Index & New Home Sales Wednesday - Q2 Final GDP Thursday - Initial Jobless Claims Friday - PCE (Market Mover) *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Lock Shop and Go and 3-2-1 Buydowns

Bid Over Asking Price

Housing Market – Info to Share with you Clients

Biggest Waive of Home Buyers in US History Set to Enter the Market

Renovation loans

Ask us about all our renovation products!

A Home Mobile App – Specific to You

3-2-1 Buydown

*** Fix it up Renovation

Renovation Loan Options

Reverse: HECM Purchase and Refinance

Unlock your home’s equity and open the door to possibilities in retirement. What is a “HECM” Reverse Mortgage Loan? Specifically designed for homeowners aged 62+, a reverse mortgage is a home loan that allows borrowers to convert a portion of the equity they have in their home into cash. Home Equity Conversion Mortgages (or HECMs) are by far and away the most common type of reverse mortgage. HECMs are the only reverse mortgages insured by the Federal Housing Administration (FHA), and you can only get one through an FHA-approved lender like Fairway. Curious what you may qualify for? Use our free reverse mortgage calculator! Key Benefits: Increased cash flow. You can access cash from a portion of your home equity without incurring income tax* (generally, it won’t affect your Social Security and Basic Medicare benefits). You can use the funds how you want. * This advertisement does not constitute tax advice. Please consult a tax advisor regarding your specific situation. Flexible repayment feature. You have the option to repay as much or as little of the loan balance each month as you would like, or you can make no monthly mortgages payments at all. Of course, you must still maintain the home and pay homeowners insurance and property taxes, just like a traditional mortgage. The FHA guarantees no repayment of the loan is required until the last borrower moves out or passes away. When you move out of your home, you or your estate has up to 12 months to repay the loan balance, which is typically achieved by selling the home. Non-recourse feature. The FHA guarantees that if the balance on the loan exceeds the home value at the time the home is sold, neither you nor your heirs will be responsible for paying the deficit (the FHA will pay it). If there are excess proceeds from the sale of your home, you (or your heirs) would receive them. You remain on the title and you own the home. You can sell your home at any time. Line of credit growth feature. With a HECM reverse mortgage line of credit, the unused portion of the line of credit will grow each month at the same rate as the loan balance. In other words, you will have access to even more funds over time, regardless of home value.

Mortgage Rates: Into the weekend – September 15th

CONVENTIONAL 30: 7.125%/7.274 APR CONVENTIONAL 15: 6.875%/7.111 APR VA 30: 6.75%/7.033% APR FHA 30: 6.75%/7.572% APR ------------------------ Next Week - Monday - NAHB Housing Market Index Tuesday - Housing Starts and Permits Wednesday - Fed Rate Hike Decision Thursday - Initial Jobless Claims *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Into The Weekend – Rates – August 11th

CONVENTIONAL 30: 6.875%/7.02 APR CONVENTIONAL 15: 6.375%/6.605 APR VA 30: 6.75%/7.033% APR FHA 30: 6.625%/7.444% APR ------------------------ *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% Rates Unchanged This Week - CPI Up to 3.2% YOY, yet lower than estimates. Inflation...Coming.....Down. :) ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Loan Program

I would love to sit down with you and chat about all the benefits of a reverse mortgage both with a reverse refinance to tap in to equity that is untaxed as well as reverse for purchase that assist with more purchase options.

Into the Weekend: Mortgage Rates – August 4th

CONVENTIONAL 30: 6.875%/7.02 APR CONVENTIONAL 15: 6.375%/6.605 APR VA 30: 6.75%/7.033% APR FHA 30: 6.625%/7.444% APR ------------------------ *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Discount fee: 1% Rates Unchanged This Week - Today, BLS Jobs Report comes in at 187k Jobs created, less than expected. Next Week Market Movers: Thursday: CPI/Inflation Readings FRIDAY: PPI/Inflation Readings ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Into the Weekend: Mortgage Rates July 7th

CONVENTIONAL 30: 6.99%/7.137 APR CONVENTIONAL 15: 6.75%/6.985 APR VA 30: 6.75%/7.033% APR FHA 30: 6.75%/7.572% APR ------------------------ *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 This Week: Rates up due to ADP jobs report adding many more jobs than expected. Overall rates higher by .5% from last week. BLS Jobs report came in today less than expectations. The big driver in jobs, part time workers. Next Week: CPI and PPI Inflation data. We expect those to come in low. To confirm, Inflation lower rates lower. THIS IS BIG - STUDENT LOAN PAYMENT INFO GOING OUT TO YOUR CLIENTS IN AUGUST, DUE IN OCTOBER. We have teamed up with LoanSense a student loan advisor that can assist with any questions you or your clients have. Additional info here: https://myloansense.com/c/noel-smith ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Into The Weekend: Mortgage Rates June 23rd

CONVENTIONAL 30: 6.625%/6.767 APR CONVENTIONAL 15: 6.125%/6.351 APR VA 30: 6.375%/6.65% APR FHA 30: 6.375%/7.188% APR ------------------------ *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Rates: Overall rates are up .125% across the Board stemming from higher than expected GDP Fed hinting on raising the fed funds rate one to two more times. (NOTE: Fed raising meaning inflation lower, mortgage rates lower) FRIDAY: JOBS REPORT THIS IS BIG - STUDENT LOAN PAYMENT INFO GOING OUT TO YOUR CLIENTS IN AUGUST, DUE IN OCTOBER. DO YOU OR YOUR CLIENTS HAVE STUDENT LOANS? PLEASE READ: We have teamed up with LoanSense a student loan advisor that can assist with any questions you or your clients have. Additional info here: https://myloansense.com/c/noel-smith ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Into The Weekend: Mortgage Rates June 2nd

CONVENTIONAL 30: 6.49%/6.881APR CONVENTIONAL 15: 5.875%/6.253 APR VA 30: 6.25%/6.544% APR FHA 30: 6.25%/7.133% APR ------------------------ *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Housing News: Zillow: Standard home in the US went up 1.4% in the Month of April. Biggest reading since June of last year. Inventory: 45.7% below levels in June of 2019 HUGE Week Next Week: CPI - Inflation Reading on the 13th; Fed Meeting on the 14th June and July should help ease these rates down with Lower Inflation Readings. We shall see! ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Outside the Box Loan Options

We have many loan programs that don't "fit" within Agency and Government backed loans: - Bank Statement Programs, 12 and 24 month - Expanded programs that allow for multiple 30 days late - Physician and Career Professional Programs - Bridge Loans - Investor Cash Flow - DSCR Loans (Investors wanting to qualify off of market rents) - CondoTel/Non Warrantable Condo's - Asset Depletion/Asset Qualifier Loans - ITIN Loans Need A Quick Pre-Approval? https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE We're available! The Smith Group

*NEW* Oregon Flex – Down Payment Assistance Program

***NEW OREGON FLEX DOWN PAYMENT ASSISTANCE PROGRAM**** Loan Types: FHA, VA, USDA, CONV 1st and 2nd Lien for DPA Eligible Property Types: Single Family, Detached 1 units, Townhomes, Doublewide Manufactured 30 Year Fixed Purchase Only - No First Time Home Buyer Requirement Income and purchase price limits apply Focused Demographic: 5% of first loan amount in assistance Standard Option: 4% of first loan amount in assistance Term and repayment of 2nd lien is based on Borrower's income 620 Minimum Credit Score 50% Max DTI Non Traditional Credit is not allowed If First Time Home Buyer - Homebuyer Education required For Conventional Loans: Pest and Dry Rot Inspections Required HAVE QUESTIONS? PLEASE CALL US :) ------------- Need A Quick Pre-Approval? https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

New Construction Program

- New Construction Loan Partnership: Fairway Partners with Legacy Capital Group: - Unlock Your Dream Home with Long Term Lock Options and Home Equity: Are you ready to turn your dream home into a reality? Fairway is excited to announce our partnership with Legacy Capital to offer a groundbreaking construction loan product. With our long term lock options on the end loan, you can secure favorable interest rates throughout the construction process. What's more, you can leverage the equity in your current home to finance the construction of your new one. Take the first step towards building your dream home today! Call our team at 208.406.2451 or email us at SmithGroup@fairwaymc.com. Let's embark on this exciting journey together! ------------- ***Need A Quick Pre-Approval? https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE We're available! The Smith Group

Fairway Cash Guarantee

Advantages: 1. Seller will receive a cash Guarantee 2. Buyer can Compete with Cash Offers 3. Buyer does not need to Pay any additional fees 4. If Guarantee is not triggered the seller may opt for Fairway NOT to buy their home and instead walk away from the deal with $10,000 paid by Fairway, with contract terminated. 5. Borrower must be purchasing a Single Family Residence VALUE Example: If the property appraises low, and the buyer no longer qualifies because he doesn’t have the cash to make up the difference, then YES, we would offer to purchase the property at appraised value. The seller most likely would not take that, but would instead take the $10,000 guarantee. It is important to note that our Cash Guarantee is a waiver of the financing contingency only. If the buyer cancels due to cold feet, or the buyer and seller cannot agree on post-inspection repairs, for example, then the guarantee does NOT trigger. However, if the borrower loses a job, passes away mid loan, buys a $100k boat and no longer qualifies, then the guarantee DOES happen. ------ NEED TO GET PRE-APPROVED? Application Below: ------------------- Need A Quick Pre-Approval? https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Bank Statement Program

Hello! Excited to tell you a little about our bank statement program! Few Highlights listed below: * 12-24 Month options, utilizing personal or business bank statements * 1099 Income Eligible * Max Loan amount $3,000,000 * Purchase, Rate &Term and Cash-Out Refinances * 30 and 40 year fixed rate terms * Interest only options * Min Fico 660 * Max Loan to value 80% YOUR HOME LOAN APPLICATION: https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE SCHEDULE A MEETING WITH ME : https://calendly.com/noels-1 CURRENT LOCAL MARKET INFO: https://altos.re/r/e4aef9a2-9c8c-4c7c-af18-c3bb9aafa995 We help our clients clearly identify their goals and provide strategies so they can make smart mortgage decisions ultimately building wealth quicker for themselves and their family. ✔️ Who We help: Clients looking to purchase or refinance residential Real Estate. Our mortgage planning team works with clients and business partners to set up a mortgage solution geared to the clients specific long and short term financial and wealth goals. ✔️Our Why: Helping clients purchase and build wealth through real estate in a simple and smart way. Our industry makes the process of buying a home and attaining a mortgage too complex. We communicate and present in a way to give our clients a clear picture so they can make a smart financial decision and have a great experience doing it. ✔️ Family Life: I have lived in the North End of Boise since 2009. My wifes name is Kristy and I have a son, Oliver and daughter, Sophia. My family is everything to me. We are very much into sports, outdoor activities, and essentially anything we can compete against on. I love the Northwest! Fairway Independent Mortgage Corporation Noel Smith, Loan Officer, NMLS #156016 208-429-8897 Noels@Fairwaymc.com

Reverse for Purchase

If you are aged 62+ you may be able to downsize, upsize or right size into your dream home using a Reverse Home for purchase loan. Advantages of using a Reverse Mortgage to purchase your next home: Keep more of your assets to use as your wish You're not required to make monthly mortgage payments(must pay the property related taxes, insurance and upkeep expenses) May increase your purchasing power Increase your cash flow during retirement Enhance Liquidity by not making an all cash purchase Minimal credit and income requirements HAVE QUESTIONS? PLEASE CALL US :) Schedule a Meeting with me here: https://calendly.com/noels-1/30min ------------- Need A Quick Pre-Approval? https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

Looking to Build Your Dream Home? – New Construction Program

- New Construction Loan Partnership: Fairway Partners with Legacy Capital Group: - Unlock Your Dream Home with Long Term Lock Options and Home Equity: Are you ready to turn your dream home into a reality? Fairway is excited to announce our partnership with Legacy Capital to offer a groundbreaking construction loan product. With our long term lock options on the end loan, you can secure favorable interest rates throughout the construction process. What's more, you can leverage the equity in your current home to finance the construction of your new one. Take the first step towards building your dream home today! Call our team at 208.406.2451 or email us at SmithGroup@fairwaymc.com. Let's embark on this exciting journey together! ------------- ***Need A Quick Pre-Approval? https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE We're available! The Smith Group

Into The Weekend: Mortgage Rates June 9th

CONVENTIONAL 30: 6.49%/6.881APR CONVENTIONAL 15: 5.875%/6.253 APR VA 30: 6.25%/6.544% APR FHA 30: 6.25%/7.133% APR ------------------------ *Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a home Credit Score Used for Analysis: 780 Housing News: Zillow: Standard home in the US went up 1.4% in the Month of April. Biggest reading since June of last year. Inventory: 45.7% below levels in June of 2019 HUGE Week Next Week: CPI - Inflation Reading on the 13th; Fed Meeting on the 14th June and July should help ease these rates down with Lower Inflation Readings. We shall see! ------------------- Need A Quick Pre-Approval?......Your Home Application here: https://mtgpro.co/dr/c/coeap Schedule a meeting with me: https://calendly.com/noels-1/30min We're available! The Smith Group SmithGroup@fairwaymc.com 208.406.2451

*Manufactured Homes Common Questions – Loom

Many more alternatives popping up for first time home buyers looking to purchase a manufactured home. Which is great. I walk through a few of the most common questions here as well as going over a typical purchase comparison of two popular types of loans to my left. Have questions? Let me know!

Credit Facts — Did you Know?

HOME LOAN APPLICATION: https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE SCHEDULE A MEETING WITH ME : https://calendly.com/noels-1 CURRENT LOCAL MARKET INFO: https://altos.re/r/0f0f5ad2-7f02-45f9-8df0-c720d06635d2

Looking to Purchase? Here are a few things that should be top of mind

HOME LOAN APPLICATION: https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE SCHEDULE A MEETING WITH ME : https://calendly.com/noels-1 CURRENT LOCAL MARKET INFO: https://altos.re/r/0f0f5ad2-7f02-45f9-8df0-c720d06635d2

Create More Qualified Buyers For Your Listings

Hello! If you're a listing agent having a tough time getting your listing sold, you're definitely not alone! Super Tough Market. Watch the video about that has been an amazing strategy for agents, sellers and potential buyers. Listing Example we Can Customize for you: https://www.smithmtg.com/presentation/65119 Rate Buydown Guide/How they work and help you sell your home listing: https://www.smithmtg.com/presentation/65111 SCHEDULE A MEETING WITH ME : https://calendly.com/noels-1 This presentation can be customized for your listing with your contact info added to the right. Branded for you! Great Way to preserve your listing price, maximizing the proceeds for your seller and increase buyers that qualify to purchase your home For marketing the Seller Buy Down I have included a few that have worked with some of the agents I work with. 1)The seller is willing to help all potential buyers with a Rate Buydown call for details. 2)If you love this home but do not like the rates, don't worry; the seller is willing to help lower your rate when you purchase this home. Call us for all the details. 3)Higher rates have you rethinking your purchase ability? The seller wants to help you lower your interest rate when you purchase this home and bring back affordability. Reach out to us for all details, which works for all qualified buyers and loan products. Noel Smith, 208.406.2451

2023 Housing – First Time Home Buyers

Hello, Suppose you are viewing the video above or reading this message here. In that case, we have a mutual client or friend who wanted to pass along some housing information that might help you enter or move up in the housing market. If you're planning your first purchase or moving up, what would be a roadblock keeping you from obtaining that goal? ....................... First Time Home Buyer? Given that we have not had the opportunity to meet yet, I thought I'd lay out a few options to give you some background of ideas and strategies our clients have used successfully in this complex market. 1. Understanding The Numbers * Here is an introductory presentation to show you what I use to illustrate those details when we meet. * Video - https://mcedge.tv/ovoklm 2. Helping Create Affordable Housing * Here is a presentation detailing how we can create affordable housing payments for your new purchase. * Video - https://mcedge.tv/0j6psr 3. Not Sure If You Should Wait To Purchase? * Here is a presentation that lists five reasons why I think it's an excellent time to purchase now vs. waiting. * Video - https://mcedge.tv/j9qidj

Top 5 Reasons To Buy

Hello, Are you a buyer that has gone to the sideline to wait to purchase a new home or has been delayed from entering the real estate market? If so, I'm sure your reasons could be valid, but I wanted to ensure you have all the information on whether this is a wise choice. The main issue, I assume, would be " affordability " from the significant rise in rates that has lowered your buying power or knocked you out of qualification. You might think this is a negative, but I wanted to highlight this exact issue and show you that it is an excellent thing for you as a potential home buyer. In the video above, I've laid out the domino effect of the increase in the rates market, which allows you opportunities that have not been present in the last few years for home buyers. The lack of affordability and inventory is an exciting and challenging dynamic in this market, making it completely different. What I mean by that is that usually, these two forces don't line out together in this magnitude. For example, when affordability issues last crept into the market, the housing supply spikes with the pullback of buyers, which we experienced recently in 2018/19. The main issue that has caused a much-needed pause in our housing market has been the spike in rates, which caused our affordability issues. So we should focus on the opportunities that present you as a home buyer now vs. just six months. ........................................... Six Months Ago vs. Today Six Months Ago: Buyers competed against 10+ offers per property. Buyers had to release all loan, inspection, and appraisal contingencies. Buyers had to convert their loans into " cash offers " to compete. Buyers had to overbid on their offers to compete. Buyers had to settle on whatever home came on the market. Buyers are being delayed in converting their " cash overs " into loans in this high-rate environment. Today: Few Buyers, which means less competition. Buyers can write offers with and maintain their contingencies. Buyers with minimum down payments can purchase again. Buyers can get fair value or even undervalued properties with their offers. Buyers have more choices of homes than buying whatever comes to market. With help from lenders like myself, we can structure much better terms, like buying down the rate.

Realtors: Attract More Qualified Buyers To Your Listing

Hello Realtors! Are you looking to Attract more qualified buyers to your listings? Above you will see an Example of our listing analysis that is having major success in this very difficult Market. We are able to personalize your listing. We then text and email a link to you to share to other agents, open house guests, socials, etc. We would love to sit down and assist you getting your listings sold quicker! Please let me know a best time for your to chat. ------------- Buydowns for Open Houses: Do you have an Open House Coming Soon? If so, let's get Buydown options out to potential buyers ( see PDF Flyer attached ) You can view the Open House Property here - https://www.smithmtg.com/listing/1910-w-13-st-the-dalles-or-97058 Buyer Motivation: Do you have Buyers that have left the market until the following year? If so, I have built an excellent presentation explaining why I think it's a great time to purchase now vs. next year. You can view that here - https://www.smithmtg.com/presentation/62428

Rate Buydown Guide

Hello, If you're a buyer trying to purchase in today's market, you might have heard of a "rate buydown." But, you might be like most consumers with how they work, which one to select and why it would benefit you and your family. What Is a Buydown? A buydown is a mortgage financing technique with which the buyer attempts to obtain a lower interest rate for at least the first few years of the mortgage or possibly its entire life. 1 A 2-1 buydown, for example, is a specific type of mortgage buydown that allows homebuyers to save on their interest rate for the first two years of the loan. Buydowns can also use a 3-2-1 structure as well. 3-2-1 Buydown? In a 3-2-1 buydown, the buyer pays lower payments on the loan for the first three years. For each of the first three years of the mortgage, the buyer's interest rate would increase incrementally by 1% annually. The total interest rate would apply beginning with the fourth year of the mortgage loan. While the buyer received savings from the lower interest rate in the first three years, the difference in the payments would have been made by the seller to the lender as a subsidy. 2-1 Buydown? A 2-1 buydown is structured the same as a 3-2-1 buydown; however, its discount is only available for the first two years. So you would have a 2% interest rate reduction for the first year of the mortgage, then a 1% discount for the second year. Your interest rate and monthly payments would increase until your loan reaches its actual percentage rate. This happens in year three of the loan. At this point, your monthly mortgage payment would reflect the real loan rate. You would pay upfront for the 2-1 buydown at closing; theoretically, the money you save over the first two years would cancel that payment. Temp Buydown Pros and Cons Whether it makes sense to use a buydown to purchase a home can depend on several things, including the amount of the mortgage, your initial interest rate, the amount you could save in interest over the initial loan term, and your estimated future income. How long you plan to stay in the home also can come into play in determining your break-even point. Pros * A buydown temporarily reduces your interest rate, saving money and lowering your monthly payments during the initial loan term. * Choosing a buydown may allow you to pay less for the home than the seller's listing price. * It could make sense for homebuyers whose income will increase in the years to come. Cons * Once the buydown rate ends, your monthly payment could be higher than expected. * You could struggle with monthly mortgage payments if your income doesn't increase. .................................................................................................................................................................................................................... Attn: Realtors Buydowns for Open Houses: Do you have an Open House Coming Soon? If so, let's get Buydown options out to potential buyers ( see PDF Flyer attached ) You can view the Open House Property here - https://www.smithmtg.com/listing/1910-w-13-st-the-dalles-or-97058 Buyer Motivation: Do you have Buyers that have left the market until the following year? If so, I have built an excellent presentation explaining why I think it's a great time to purchase now vs. next year. You can view that here - https://www.smithmtg.com/presentation/62428

Your Home Purchase Road Map

Home Purchase Application: https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE

Great Tips During Your Home Purchase

Want to cut down on the length of your Mortgage Term and Save on Interst

Want to Cut down on the length of your mortgage term and save on interest?

Rate Rescue

Are you looking for a program that offers lower initial monthly payments with the stability of predictable payment increases??

Seller Concession Cheat Sheet!

Quick Reference Sheet to let you know how much the seller can pay towards closing costs for each Loan Program Type!

Service Dog Giveaway!

The non-profit American Warrior Initiative (AWI) funds local branch efforts to help disabled veterans. This is who we are, this is what we do. #FairwayNation is more than just #mortgages. #RedFriday

How to obtain a lower payment in this higher rate market

Negotiate a rate buydown to keep your payments low!

Cold Weather Checklist!

Things to do to get your home ready for winter!

More Inventory – Big Opportunity for buyers

Really excited for the families that are in the market right now. With the recent, increased inventory and more homes to choose from for buyers, we're seeing real opportunities for these families to now find that perfect home. Rates have seen some improvements as well, with the fed stepping in and starting to combat inflation. I included our Rent vs. Own analysis showing how buying and holding on to your purchase long term is such a good, long term financial move.

THE DIGITAL OPEN HOUSE

Hello, Modernizing your open house will be critical to running and pushing excellent content to potential consumers and buyers as the market shifts, and inventory builds. Each Property has its own story, from needing some " TLC " or help increasing the affordability to potential buyers in today's expensive housing market. I have combined a sample of technology I use in Lender Launchpad and mixed it with content & strategies from my financing background. That enables me to help get valuable information to more buyers or agents who might be passing or thinking about stopping by your open house. ..................................................................... 4-Step Process For Your Next Open House. Step 1: Input property into Listings @Lender Launchpad Step 2: Add specific content to help educate potential buyers. ( like Total Cost Analysis videos, Virtual Tours, Agent Video with property details, Loan Program PDFs to download, Matterport Videos, etc. ) Step 3: Publish the listing, which generates its unique property site, which can be used for active listing, coming soon, FSBO, etc. ( example site -https://noelsmith.lenderlaunchpad.com/listing/27647-petolla-rd-wilder-id-83676) Step 4: A Open House Flyer is automatically generated to support your next open house. ( the QR code points to your unique property site and pushes content to the potential buyers or agent's phone when scanned )

3 – 3 Specialty Programs to help your Home Purchase Process

Need Help with your Home Purchase? Fairway has three great programs that might be just the one you need! Fairway Advantage- Formal Pre Approval with a Fairway Underwriter prior to the borrower even looking for a new home Fairway Cash Guarantee- It is important to note that our Cash Guarantee is a waiver of the financing contingency only. If the buyer cancels due to cold feet, or the buyer and seller cannot agree on post-inspection repairs, for example, then the guarantee does NOT trigger. However, if the borrower loses a job, passes away mid loan, buys a $100k boat and no longer qualifies, then the guarantee DOES happen. Lock shop and go- Allows borrowers To secure their interest rate for up to 90 days while they shop for a home

Copy of Fairway’s Cash Guarantee Program- DO NOT USE THIS ONE

Advantages: 1. Seller will receive a cash Guarantee 2. Buyer can Compete with Cash Offers 3. Buyer does not need to Pay any additional fees 4. If Guarantee is not triggered the seller may opt for Fairway NOT to buy their home and instead walk away from the deal with $10,000 paid by Fairway, with contract terminated. 5. Borrower must be purchasing a Single Family Residence VALUE Example: If the property appraises low, and the buyer no longer qualifies because he doesn’t have the cash to make up the difference, then YES, we would offer to purchase the property at appraised value. The seller most likely would not take that, but would instead take the $10,000 guarantee. It is important to note that our Cash Guarantee is a waiver of the financing contingency only. If the buyer cancels due to cold feet, or the buyer and seller cannot agree on post-inspection repairs, for example, then the guarantee does NOT trigger. However, if the borrower loses a job, passes away mid loan, buys a $100k boat and no longer qualifies, then the guarantee DOES happen.

1 – Modernizing Your Open House

Hello, Modernizing your open house will be critical to running and pushing excellent content to potential consumers and buyers as the market shifts, and inventory builds. Each Property has its own story, from needing some " TLC " or help increasing the affordability to potential buyers in today's expensive housing market. I have combined a sample of technology I use in Lender Launchpad and mixed it with content & strategies from my financing background. That enables me to help get valuable information to more buyers or agents who might be passing or thinking about stopping by your open house. ..................................................................... 4-Step Process For Your Next Open House. Step 1: Input property into Listings @Lender Launchpad Step 2: Add specific content to help educate potential buyers. ( like Total Cost Analysis videos, Virtual Tours, Agent Video with property details, Loan Program PDFs to download, Matterport Videos, etc. ) Step 3: Publish the listing, which generates its unique property site, which can be used for active listing, coming soon, FSBO, etc. ( example site - https://noelsmith.lenderlaunchpad.com/listing/27647-petolla-rd-wilder-id-83676) Step 4: A Open House Flyer is automatically generated to support your next open house. ( the QR code points to your unique property site and pushes content to the potential buyers or agent's phone when scanned )

Lowering the price on your listing? PLEASE watch this first

Many things going on in the market right now. Inflation at 40 year high's, with the fed now countering to try and tame it. Sharing an agent and seller story here where they thought the obvious answer was to cut the price. After reviewing this strategy they opted for a buydown strategy for the buyer to help both parties. Let us know if you have any questions or need a similar strategy on your listing. Happy to help! Smithgroup@fairwaymc.com; 208.429.8897. Noel

Lowering the price of your Listing? Watch this strategy first!

Hello, These higher interest rates will impact buyers' qualifications if you have not noticed. The higher rates are also beginning the "price drops " trend, which sellers use to help attract affordable housing for buyers. But, most sellers don't know or can show the actual numbers on how that impacts buyers. This inability to show the numbers and knowledge of how dropping the rates has a more significant impact on a buyer's payment than lowering a sales price could ever have. Price vs. Rate - Did you know, and I can show you through this side-by-side comparison, how a PRICE DROP of 30k has the same benefits as a 10k SBD to a buyer's payment? So, if that is the case, then we can leave 20k on the seller's net sheet vs. taking 30k off of it to address affordability issues with buyers. Seller Buy Down - I wanted to show you how an SBD works and how both the Buyer & Seller can benefit when the SBD + is structured correctly

Helping Veterans Achieve Homeownership

Here is a quick breakdown of the VA loan program. A major focus of our team and company is getting our veterans into homes knowing all they have done for us.

2 – Should I Buy a Fixer

A great alternative in this low inventory market is a home renovation purchase. Here is a quick video analysis comparing two of the main renovation loans in the market. Let us know if you have any questions!

American Frontline Rewards Program

Income From ADU’s can now assist buyers with their loan Qualification

Really cool news, and about time! ADU income generated from a property can now go to assist Buyers with their loan qualification. With ADU's being a very big topic lately, this will help buyers into their new homes by using the income generated from the properties ADU as an additional income source for loan qualification. Reach out anytime if questions come up!

2/1 Buy Down Strategy: Lower Your Rate 2% in Year 1 and 1% in Year 2

Buyer Benefit: The 2/1 Buydown is a strategy to help your client by lowering their rate 2% in Year 1 and 1% in Year 2, thus freeing up cash to ease into the payment and deviate those dollars to other finances. Seller Benefit: With rates going up the pool of buyers for sellers home sale is decreasing. This is an incentive to give to potential buyers as an added benefit to pursue the sellers home as opposed to a home not marketing the seller buydown

Lowering your list price to get more activity? Watch this first, this will net your seller MORE!

Lately more and more homes have had price reductions according to Redfin. As a Realtor the goal is to make sure you obtain the most highest net proceeds for your seller. I wanted to share with you a 2nd Option that could be a alternative to reducing the purchase price.

Down Payment Assistance Program Increase for Idaho

DPCC now up to 10% of Sales Price Great News! In the interest of helping more homebuyers with affordability, Idaho Housing has updated our down payment closing cost assistance programs. Effective 04/22/2022 we are offering up to 7% of the sales price using the down payment assistance program, amortizing Second Mortgage. It is a 15-year fixed with interest 2% above the 1st loan rate. Along with the lower credit score we recently approved for DPCC of 620, this will assist more homebuyers in qualifying for a loan. The forgivable loan can now be used as a 3rd mortgage, behind the second mortgage amortizing loan, as an additional program to help only first-time homebuyers, by offering up to another 3% in DPCC for a total of 10% DPCC

Buying or Refinancing a Manufactured Home?

Manufactured homes are constructed in a manufacturing facility according to HUD guidelines. They are titled like a vehicle until placed on permanent foundation, at which point the title is surrendered to the State and the unit is converted to Real Estate. A manufactured homes has a steel beam going through the center of the unit where wheels, axles & hitch were attached (the hitch, wheels, and axles must be removed for mortgage financing). Can be financed under the following conditions: Constructed after 1978 Taxed as real estate by Auditor (MH as real estate) Interior HUD label – confirms year, make, model, manufacturer and serial number of unit. Exterior HUD labels – provide HUD serial numbers Structural Certification – licensed structural engineer to confirm unit attached to permanent foundation according to code Must not have been previously installed or occupied at any other site or location, except from the manufacturer or dealer’s lot as a new unit

Fairway’s Cash Guarantee Program

Advantages: 1. Seller will receive a cash Guarantee 2. Buyer can Compete with Cash Offers 3. Buyer does not need to Pay any additional fees 4. If Guarantee is not triggered the seller may opt for Fairway NOT to buy their home and instead walk away from the deal with $10,000 paid by Fairway, with contract terminated. 5. Borrower must be purchasing a Single Family Residence VALUE Example: If the property appraises low, and the buyer no longer qualifies because he doesn’t have the cash to make up the difference, then YES, we would offer to purchase the property at appraised value. The seller most likely would not take that, but would instead take the $10,000 guarantee. It is important to note that our Cash Guarantee is a waiver of the financing contingency only. If the buyer cancels due to cold feet, or the buyer and seller cannot agree on post-inspection repairs, for example, then the guarantee does NOT trigger. However, if the borrower loses a job, passes away mid loan, buys a $100k boat and no longer qualifies, then the guarantee DOES happen.

Fairway: Helping Our Communities

Very proud of my company and what they are doing day in an day out, giving first.

Fairway Stories: Guiding First-Generation First-Time Homebuyers

Fairway Independent Mortgage Corporation highlights Shonn Herring, who is a first-generation homeowner and a first-time homebuyer. When it came to his situation, he had everything he needed to become a homeowner but a guide to help him along the way.

Housing Bubble? The Data Says No

Yes, home price growth is too hot however here are a few main Topics that debunk the notion of a potential Housing "Bubble": 1. No Speculative debt today, unlike 2008 --- People aren't buying homes because they believe home prices will increase double digits each year, they're simply buying a home to live in for a long time". 2. Homeowners have the best financial profile in America's History - Household balance sheets appear to be in better shape and excessive borrowing doesn't appear to be fueling the housing market boom. 3. Post 2010 Lending Standards have been great - When you have a great credit profile, you don't see a surge in credit stress right before a recession With that said, this current increase in rates is a long term POSITIVE to help cool down the Marketplace. Let us know if you have any questions!

Agents: Is Your Client Looking at a Fixer? Here is our Solution!

Hello! I included a quick comparison on two very popular renovation products. Let me know if you have additional questions! HOME LOAN APPLICATION: https://apply.fairwaymc.com/signup?referrerId=noelsfairwaymc.com&loanType=MORTGAGE SCHEDULE A MEETING WITH ME : https://calendly.com/noels-1 CURRENT LOCAL MARKET INFO: https://altos.re/r/0f0f5ad2-7f02-45f9-8df0-c720d06635d2 Let me know if you have additional questions! Thanks, Noel

Fairway Helps Customers with Credit Issues

In this Fairway Mortgage Story we shed light on how Fairway Independent Mortgage Corporation can make the American Dream of homeownership possible for anyone, even those with credit issues. Don't let potential hurdles to homeownership stand in the way of owing your dream home. Our goal at Fairway Mortgage is to find the best value for your homebuying situation. #FairwayNation #FairwayStories -- At Fairway Independent Mortgage Corporation, customer service is a way of life. We are dedicated to finding great mortgage rates and home loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process — from loan application to closing on your dream home and beyond. It’s all designed to exceed expectations, provide satisfaction and earn trust. Since opening our doors 25 years ago, our team has helped thousands of Americans achieve their dream of homeownership. We have been dedicated to providing unparalleled customer service. Fairway now employs more than 9,000 team members, including almost 3,000 producers and over 300 branches nationwide. With a strong focus on purchase business, we continue to grow each year, funding over $65.8 billion in 2020. Putting Americans in homes is what we do! #FairwayNation Contact us today to learn more about how we can assist you with your home financing!

Rates Have Increased – How to Keep Your Pre-approval

Hello, As if the market was not tough enough on buyers as it is, now the higher cost and movement up in rates will really knock some buyers out of the market. But, that doesn't have to be the case, as rates and costs increase. This video lays out a game plan for how to get that old pre-approval back from that lower interest market.

Is it Smart: Buy Now or Wait?

This quick analysis goes over home values since Feb of 2020 to a projection of values in Feb of 2022 and what that means toward a home payment

Fairway’s Story – Where it started.

Home Buying Past, Present, Future

Hello, As professionals in the real estate market, we ask this question several times each week. So we thought we would put some critical data together, share our opinion on the housing market, and answer that question. Question: "Should we wait to purchase or buy now?" Here are the data points we will need to discuss to determine our best. ............... Appreciation - shows the increase of the value of a property from a monthly, quarterly, and a year over year adjustment. Forecasts - opinions from national real estate experts if properties keep increasing, slow, or plateau out. Supply & Demand - shows the data related to how many buyers to sellers are present in the housing market.

Purchasing a Fixer Upper in this Low Inventory Market

This video shows you how to purchase a fixer with a Renovation Loan. Plus, I go into detail on which renovation loan would be best for you. ( Homestyle or 203k ).

Video Analysis: Numbers comparing Renting vs. Owning

This analysis goes over a Rent vs. Owning analysis. It covers terms such as Net Monthly payment, projections on rents you pay over time and appreciation of the home over that time span.

Turning Bad Debt into Good Debt

Here is a great example of how to use your home equity to assist with your families short and long term financial goals. Have questions? Let us know!

Why Realtors love working with Fairway

Why Realtors love working with Fairway

Listing and Buyer Agent: Here is Your Solution for a Low Appraisal

In our current market a low appraised value can come up. As a buyer and list agent, here is a solution you can present to to your clients as a solution for a low appraisal coming in after contract acceptance. This solution has really helped agents keep transactions moving forward in case of a low appraisal.

IS IT SMART TO PURCHASE NOW OR WAIT A YEAR OR TWO

We get the question a bunch. "Should I purchase now or wait this current market out". In this analysis we are using current market rates and comparing those with projected rates at the end of 2022 and 2023. We also use a conservative appreciation rate of 3%. Take a peek specifically at the highlighted items showing projected monthly payment and home value during those periods. Let us know if you have additional questions, happy to help! Smithgroup@Fairwaymc.com

#Here is our solution for a Low Ball Offer

Here is a solution for you and your seller for a low offer on your home listing

Credit Tool Video

Credit Tool assists your clients with a custom credit strategy to put them in a position to purchase their home.

Credit Tool and Fairway Advantage

Credit Tool and Fairway Advantage, the perfect homebuying combination.

Manufactured home checklist

Buying a Manufactured Home - Here is what you need to know!

Mortgage Myths

Mortgage Myths

OUR PLAN FOR A LOW APPRAISAL

Here is a solution to the possibility of an appraisal coming low on a home purchase. By using a small amount of mortgage insurance you show the numbers are very close even when the appraised value comes in low. Take a peek!

Rent Vs. Own: Should I stay renting or should I purchase my first home

Test case of Renting vs. Owning

Smith Group Fairway Advantage Pre-Approval

Compete against cash in this highly competitive market with the Fairway Advantage Pre - Approval

Make a Winning Offer in a Tight Market

FHA Property Checklist

Looking to sell your home?

What Drives Interest Rates

Home Buyer Tips

Renovation Loan Options

Mortgage Myths

Home Buying Road Map

Credit Improvement Strategy

Recasting Your Home Loan

Reviews

"Very kinda and friendly went above and beyond thanks so much"

jesse b

"Very understanding and helpful, thank you for being so kind."

shylah b

"Noel and Darcy how patient and helpful they were through the whole process. How knowledgeable Noel is about the lending process, and how he could also speak to me in terms I could understand. Noel is amazing"

malaina s