I am so happy to be back in the mortgage industry. I enjoy collaborating with individuals and assisting them in making and attaining homeownership dreams. You may seek to buy your first home, build the home of your dreams, purchase a second home, buy an investment property, or even look to start or purchase a farm. At Moto Mortgage, we can make those dreams a reality.
Moto Mortgage is one of the leading mortgage brokers in the industry. We pride ourselves on an easy and transparent process, not only with the borrower but also with our real estate agents. I keep the borrower, and their agent, informed about the loan process so there are no surprises to prevent us from reaching the most exciting day, the day of closing.
At Motto Mortgage, we offer products that almost every borrower can benefit from. The secret is to fully comprehend the borrower’s requirements before providing choices that will best meet those needs. Ultimately, it is like offering a menu and allowing them to choose what is best for them.
I have access to numerous lenders by working with a mortgage broker. I can quickly pivot and work with another lender if a borrower’s circumstances change during the loan process. As a result, the borrower will feel less stress and have a smoother home-buying experience.
It is a challenging real estate market. One key point I want to drive home is that the 2-4% rates we saw in the last couple of years were unprecedented, and I doubt we will see them again anytime soon, possibly not in our lifetime. So, now we are focusing on getting the best rate for the customer; that is what I do.
The borrower needs to be educated in the mortgage process and understand what they can afford before they begin working with their real estate agent. It can be devastating to make an offer on the home of your dreams only to find out it isn’t within your budget. Each week I will speak about diverse types of loan products, best practices with the loan process, and trends in the market. I am most often asked, “How are rates today?” That is a question one cannot just answer. So many factors come into play, starting with your credit score. So, I will leave our listeners with this recommendation. Call me at 479-621-3500 to discuss how I can help you. Each transaction is genuinely unique to every borrower.
I am John Kunkel, your Motto Mortgage Loan Originator. Unlocking homeownership dreams one key at a time.
Motto Mortgage offices are independently owned, operated, and licensed. An equal housing opportunity. John Kunkel NMLS 1416078, Motto Mortgage United Group 2078915, Motto Mortgage Velocity 2288256, and Motto Mortgage Heritage 1720438.
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