Mario Cardenas

The Home Ownership, Promotion, Education, and Research (HOPER) Program is an FHA-backed initiative designed to help homebuyers by offering financial incentives and promoting energy efficiency. Qualified participants can receive up to $13,000 (3.5% of the home purchase price) to use toward down payments, closing costs, or other expenses. In return, participants commit to making their …

HOPER Borrower Assistance Program: A Pathway to Homeownership in Georgia Read More »

North Park Alpharetta GA Pickleball Introduction In recent years, pickleball has emerged as one of the fastest-growing sports in the United States. Combining elements of tennis, badminton, and ping pong, this paddle sport has captured the hearts of people of all ages and skill levels. In Alpharetta, Georgia, pickleball enthusiasts have found their sanctuary at …

North Park Alpharetta GA A Haven for Pickleball Enthusiasts Read More »

Introduction Roswell Georgia: Nestled in the heart of Fulton County, just north of bustling Atlanta, lies the picturesque city of Roswell Georgia. Renowned for its rich history, stunning natural beauty, and vibrant community, Roswell offers an unforgettable experience for visitors of all ages. Whether you’re a history buff, nature enthusiast, or simply seeking a charming …

Exploring Roswell Georgia a fun place to take the family! Read More »

Introduction: Pinetree Country Club Tennis Facility Kennesaw GA, Best When it comes to finding the perfect tennis facility, tennis enthusiasts are constantly on the lookout for places that offer exceptional amenities, skilled instructors, and an overall outstanding experience. While there are plenty of well-known tennis clubs out there, some hidden gems tend to remain unnoticed …

Pinetree Country Club Tennis Kennesaw GA, Unveiling the Best Kept Secret Read More »

Higher FICO scores equal lower interest rates A good credit score is crucial for both your personal finances and your ability to become a homeowner. Yet many home buyers begin their journey without fully understanding their credit score and how it impacts their mortgage eligibility. Raising your credit score fast can be done, and these …

How to increase your mortgage credit score, Mortgage Mario. Read More »

Buy a home and fix it up with Fannie Mae’s HomeStyle loan Renovating a home often means taking one loan for the purchase and another for the renovation. And sometimes you may need to refinance your mortgage to pay down the renovation loan. Talk about expensive and time-consuming! A HomeStyle Renovation loan can solve that …

Fannie Mae Homestyle loan process Read More »

video transcript Hello everyone this is Mario Cardenas with Affinity Home lending I’m a local a loan officer in Woodstock Georgia. so I want to show you really quick how easy it is for a borrower to complete a mortgage loan application better known as a fannie mae 1003 or urla that is an acronym …

How to complete a mortgage application Read More »

Video Transcript if you’re in the market for a new home or refinance you’re probably hearing a lot about mortgage interest rates and you probably think the lower the rate the lower my monthly payment but the truth is the lowest interest rate doesn’t always mean the lowest payment for starters there are closing costs …

It is about the Mortgage Payment and Not the Interest rate Read More »

Whether you’re looking to buy a home with a VA loan or refinance through the VA, you’re going to have to use a VA appraisal. An appraisal is when lenders send an appraiser to evaluate your home and establish a “fair market value” for the property. Keep in mind this is not as thorough as …

VA Appraisal Checklist & Guidelines Read More »