How do you get the best interest rate in this market 2023? With a permanent rate buy down!

I want to tell you a story on this beautiful Sunday of not just one client, but a lot of buyers lately have really been taking advantage of the permanent buy-down. And one of the main advantages of that permanent buy-down is that you can qualify your payment and your debt to income ratio on that. Let's just say that someone is coming up with a 62% debt ratio. We can do a buy-down to get them to in the high fours or the low fives on an FHA loan(April 26th 2023), and all of a sudden they're in that 55% qualifying range. It's a win because many times people don't have any other debt that can be paid off or that they can afford to have paid off. And the permanent buy-down you can use for your loan qualification. The two one, the short-term buy-downs, you have to go off of the note rate that you're qualifying off of, not the lower payment. So it's a big deal.

#permanentbuydown #qualifyyourpayment #debttoincomeratio #takeadvantage #clientstory #beautifulsunday

Here are the steps to take to get pre-approved.. Call or text and let's talk! Hope to be helping you soon! Servicing these states: CA TX TN GA FL and coming soon: OK and AL

1. Justin Kautz: 559-679-5730 - Call or Text 7 days a week

2. APPLY HERE: https://spotonlending.my1003app.com/913358/register

3. Upload your documents into the portal

4. Work with us to get the best Pre Approval AND start writing offers

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Justin Kautz
JK Mortgage
Call or Text: (559) 679-5730
jk@justinkautz.com
3242 E Coast Hwy
Corona Del Mar, CA 92625
2928 Saltwood Ct.
Celina, TX 75009
CA TX TN GA FL - coming soon: OK LA AL
Spot ON Lending, Inc./Full Service Mortgage Group
NMLS: 913358 CA/DRE: 01447986 NMLS:02066654 | 60DBO-154093
Georgia & Texas NMLS#1767407
Florida NMLS#MBR5826
Tennesse NMLS# 1243230