Erik Johnson

You have decided it is the right time to buy a home The first thing you should do before even looking at houses is to take a look at the money involved in buying your first home It is time to sit down with a mortgage officer and review your finances and discuss what mortgage options are available to you ... The mortgage process is one of the more complicated and frustrating pieces when buying a home A little understanding can go a long way in preventing frustration down the road Want to learn more about the home-buying process? DM me now

Optimism as mortgage rates rise, but does that mean the end of the refi wave? And pending home sales drop, but there is a silver lining. Check out this week’s Market Update for all of the details! https://movement.com///02/26/optimism-mortgage-rates-rise/

Purchasing a house can be pretty exciting and pretty confusing all at the same time. And it doesn't matter if you're a first time home buyer or not. Hope this video helps illustrate the process! https://www.youtube.com/watch?v=dQVhtCgsVbQ&t=1s

What’s going on with the mortgage rate? What demographic is stepping into the luxury housing market? Get all the answers you’re looking for in this week’s Market Update! https://movement.com//mortgage-rates-spike-no-reason-panic/

Imagine if you could get 1% or 2% less on your mortgage rate? Imagine how much you could save a month... Now imagine what you could afford with that extra money. Maybe a bigger house, an extra bedroom, a pool, or just peace of mind. ... When rates are at historic lows like right now, it's in your benefit to lock them in. But there's a couple of questions you should ask before you lock them in. Here's what you should know before you lock in a rate with any lender. Want to learn more about the home-buying process? DM me now

The home price can be deceiving. Remember, when you purchase a home, it's not just how much you pay monthly for the mortgage that matters. An online mortgage calculator doesn't account for everything you'll pay to purchase and own a house There's a difference between the home price and the "real" cost of buying a house. So how do you determine how much you'll end up paying and avoid expensive surprises? ... Here's a shortlist of additional expenses to consider: Property Taxes Homeowner's Insurance PMI (if applicable) HOA (if applicable) Lender fees By speaking with a lender, you will know the FULL amount you'll pay each month to ensure the home is affordable- without getting in the way of other expenses and savings goals. Want to learn more about the mortgage/home buying process? DM me

What will the post WFH housing market look like? Are we stuck in another housing bubble? Will lending standards ease in 2021? Head on over to the Market Update and we’ll cover it all! https://movement.com/blog/2021//05/post-wfh-housing-market/

What if a 30-year loan isn't the best option for you? Most people assume it is just because it's the standard option. A good loan officer will take the time to go over multiple different loan options. A 5-year ARM may be better (even cheaper) if you don't plan to keep it long or expect to refinance soon.... A 15-year fixed may end up being manageable and a better value. The simple answer, there is no one-size-fits-all solution. So how do you decide? Speak with your lender and tell them about your plans for the future. You will know if you have a great lender when they listen and layout the pros and cons of different programs. From there, you can make an educated decision on what's right for you. Want to learn more about the mortgage/home buying process? DM me now

Trying to improve your credit score this year? Follow these 5 tips to help you get started! https://www.youtube.com/watch?v=Yrb-NI2EB1c

What’s up in the world of mortgages? Rate declines. Record highs. Tax credit impact and the future of the Fed. There’s a lot goin’ on here. Check out the Market Update and we’ll cover it all! https://movement.com//mortgage-demand-falls-homebuyer-size/

Buying a new home in 2021? We pulled together some tips on what to avoid during your first year as a homeowner! https://movement.com//6-first-year-homeowner-mistakes-you/