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These videos contain essential information that will guide you through reaching your homeownership dreams.

3 Ways to get Creative with Closing Costs
You finally found your dream home and are ready to start down that road to homeownership. It’s such an exciting time! … But then there are the fees. Underwriting fees, application fees, origination fees, recording fees, appraisal fees, and many others. Closing costs include so many fees that you may start to wonder if you’re really as ready to buy a home as you thought you were.

Don’t let closing costs derail your dream. There are strategies and options out there that can ease the sting of these fees. Watch this video for more info.

Read our Blog for more information:
📗 https://www.teamandee.com/post/3-ways-to-get-creative-when-paying-closing-costs
5 THINGS BUYERS CAN BE GRATEFUL FOR
The market conditions have been wild, with bidding wars, all-cash buyers, and sellers demanding no contingencies. It’s all but priced out by first-time home buyers.

The good news is this is no more. Here are 5 things home buyers can be grateful for now that the tables have turned in the housing market, making it easier to buy a home.

Read our Blog for more information:
📗 https://www.teamandee.com/post/5-things-home-buyers-can-be-grateful-for-in-this-market
'Down Payment Assistance' for First-time Homebuyers | How to avail?
You DON'T have money saved up?
You DON'T have Down Payment to purchase a Home?
Hey! You Don't NEED it. You have an Option with 100% Financing.
We cover everything you need to know about down payment assistance programs and how to find one today. Watch this video for more details.
The Difference Between FHA and CONVENTIONAL Home Loans EXPLAINED | Team Andee
A home is usually the largest single investment that someone makes, and most people need a mortgage to finance the purchase. The type of mortgage you get influences your rate, terms, qualification requirements, and ultimately the type of home you can afford. FHA loans and conventional loans are two of the most common mortgages.
I explain the "key distinctions" you need to understand in this video for this year.
What Is Private Mortgage Insurance (PMI) And Why it is Important?
Private mortgage insurance, also called PMI, is a type of mortgage insurance you might be required to pay for if you have a conventional loan. Like other kinds of mortgage insurance, PMI protects the lender—not you—if you stop making payments on your loan. Learn more by this video.
Be Familiar with Some Important Mortgage Acronyms
The mortgage industry is full of acronyms, and when you aren’t familiar with the meanings, a conversation can sound like a foreign language. Don’t stress when you hear your loan officer say acronyms you do not understand; This video will help! Here is a list of common acronyms, and their definitions, so you can sound like a "pro" when applying for a mortgage.
The Cost of Waiting for Mortgage Rates to Come Down EXPLAINED
Hi there!
Let's talk about "How much do Interest rates really matter?" or "Should I wait for the interest rate to drop before I purchase?" And "Why waiting could cost you more money in the long run?" Watch this video for the answer.
DOS AND DON'TS YOU SHOULD CONSIDER AFTER PRE-APPROVED IN BUYING A HOUSE
Obtaining mortgage pre-approval is the first stage in the process of becoming a homeowner if you're a first-time home buyer. However, being pre-approved does not obligate you to remain in that condition.

Learn all about what to do—and what not to do—once you’re pre-approved for a home mortgage in this video.
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Creating Experiences that Matter
Andee Montemorano
American Pacific Mortgage
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Sr. Mortgage Loan Officer
10639 S. MANHATTAN PL LOS ANGELES,
CA 90047
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714.869.8369
855.532.6829
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEB SITE AT WWW.SML.TEXAS.GOV.

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