It doesn't have to take months or years to go from a renter to a homeowner. You could become a homeowner in less then 30 days and it is all about knowing what the process is, understanding the timelines and having the right team by your side. Visit https://www.makemortgageseasy.com/ to get your copy of Making Mortgages Easy.

Visiting San Diego? 🏄‍♂️ Or Maybe you're a local & want an amazing breakfast spot! 🍳 Check out Kono's Cafe in Pacific Beach it's the place to go...🏖 Open since 1991 this cafe is the place to go for big portions at a reasonable price. And you can't beat the ocean view on their private patio.

🏡✨ Dreaming of a new home but just landed a fresh start career-wise? 🌟 Don't let recent job changes, change your plan! 🚀 Tracie Schmidt here, from Supreme Lending, with over 25 years of experience in making homeownership dreams a reality. Whether you're moving from Texas to California or any corner of the nation, your new employment contract could be your golden ticket to a mortgage. 🎫💼 Let's turn that job opportunity into a home opportunity. 🏠💙 Like, follow, and message me for personalized home buying tips and insights. Your next chapter starts now! https://myoc.io/theschmidtteam #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #buyahomeinca #missionbeachca #mortgagesmadeeasy #supremelending #techtracie #buyahomewithavaloan #firsttimehomebuyer #HomeOwnershipDreams #CareerToCrib #SupremeLendingTransforms #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #buyahomeinca #missionbeachca #mortgagesmadeeasy #supremelending #techtracie #buyahomewithavaloan #firsttimehomebuyer

🏡✨ Dreaming of a new home but not sure where to start? Let's break it down! Finding the right loan officer can make your journey to home ownership smoother and more enjoyable. Need some pointers? Hi, I'm Tracie Schmidt from Supreme Lending! 🌟 ➡️ Ask your realtor or loved ones for recommendations. ➡️ Do a little detective work- check out online reviews! (P.S. Sneak a peek at our glowing reviews on my Facebook Page "the Schmidt team making mortgages easy" 👀) ➡️ Communication is key- a quick call can tell you so much about us! ➡️ Finally, trust your gut – your comfort is crucial in this personal process. Let's make your dream home a reality. Be sure to like and follow for more insider tips! Ready to chat? The Schmidt team is here to open doors for you. 🚪💚 https://myoc.io/theschmidtteam #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #buyahomeinca #missionbeachca #mortgagesmadeeasy #supremelending #techtracie #buyahomewithavaloan #firsttimehomebuyer #HomeBuyingJourney #MortgageMagic #SchmidtTeam #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #buyahomeinca #missionbeachca #mortgagesmadeeasy #supremelending #techtracie #buyahomewithavaloan #firsttimehomebuyer

Unlock the Secret to Providing Value 🏡✨ | This could help change your business! Dive into my latest video to discover how VALUE can transform your business. ✨Let's make value-packed decisions together! Schedule your Success with Supreme zoom call with me. https://successatsupreme.com #SupremeLending #MortgageMagic #ValueDriven #RealEstateSuccess #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #mortgagesmadeeasy #supremelending #techtracie

Feeling befuddled by mortgage interest rates? 🤯 Let me, Tracie Schmidt from Supreme Lending, shed some light in just 90 seconds! With over 25 years of turning dreams into addresses 🌟, I'm here to guide you through the maze of interest rates – making it simpler than brewing your morning coffee! ☕⁣ ⁣ 🔑 Interest rates might seem mysterious, but several factors including the economy, your FICO score, and your down payment size play a role. Remember, 'Marry the house, date the rate' – your ideal rate might just be a refinance away! 💼🏠⁣ ⁣ 🎉 Rates change daily and finding the right one is like striking gold! Let's unearth the most beneficialdeal for you together. 📈💰⁣ ⁣ 👉 Want to delve deeper? Curious about how you can save over the life of your loan? Hit follow or slide into my DMs 💌, and let's make your home-owning dreams come true!⁣ https://myoc.io/theschmidtteam #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #buyahomeinca #missionbeachca #mortgagesmadeeasy #supremelending #techtracie #buyahomewithavaloan #firsttimehomebuyer #MortgageMagic #HomeLoansMadeSimple #FinanceYourDreams #InterestRatesDemystified #YourLoanJourneyStartsHere #ContactMeToday

🏠🔑 Unlocking your dream home in the midst of change! As we navigate through the buzz and shifts in the digital world, remember, adapting to change is key - much like navigating the path to homeownership. 🔄 While the future of apps like Tik-Tok hangs in balance, the future of your dream home shouldn’t. Ready to make a move or curious about your mortgage options amidst today's ever-changing landscape? Let’s chat! 💬 No algorithms, just real conversations and tailored solutions. 📲 Drop your thoughts below or DM me to start your journey with confidence. https://myoc.io/theschmidtteam #supremeteam #theschmidtteam #enrichinglives #makingmortgageseasy #tracieschmidt #sandiego #buyahomeinca #missionbeachca #mortgagesmadeeasy #supremelending #techtracie #buyahomewithavaloan #firsttimehomebuyer #FutureReady #HomeOwnershipJourney #MortgageSimplified #VideoCatalyst

Are you tired of paying your landlord’s mortgage and seeing no direct benefit? Do you crave the privacy that a shared building just can’t offer? Perhaps you’ve been dreaming of installing a gourmet kitchen, painting your living room walls your favorite color, or cozying up in front of a fireplace, but your rental agreement says otherwise. Imagine settling in a neighborhood where your kids can attend top-notch schools and form lifelong friendships. At Supreme Lending, we’re not just here to finance your new home but to enrich your life. And with our team of licensed mortgage professionals at your side, guiding you through every step of the loan process, we will work hard to transform your homeownership dream into reality. Here’s how it works: 1. We start with a simple conversation to understand your budget and overall situation. 2. You’ll fill out an application and provide a few income and asset documents. 3. We’ll review your recent credit profile and if you qualify, we will discuss down payment and loan program options that suit your needs. 4. Once we’ve gone through the numbers together and you’re comfortable, we’ll issue the pre-qualification letter to the realtor of your choice. Then, the real fun begins - you can start shopping for your new home! Take Jane, for example, who was a renter just like you. With our help, Jane was able to finance her dream home in a neighborhood she loves. Now, she’s enjoying the freedom of homeownership. So why wait? Start your journey to homeownership with Supreme Lending today! You can call, text 858-336-5200 or search for me online The Schmidt Team Mortgages, and let’s turn your dream into reality. Message me for your Home Buyer's Guide

Are you tired of paying your landlord’s mortgage and seeing no direct benefit? Do you crave the privacy that a shared building just can’t offer? Perhaps you’ve been dreaming of installing a gourmet kitchen, painting your living room walls your favorite color, or cozying up in front of a fireplace, but your rental agreement says otherwise. Imagine settling in a neighborhood where your kids can attend top-notch schools and form lifelong friendships. At Supreme Lending, we’re not just here to finance your new home but to enrich your life. And with our team of licensed mortgage professionals at your side, guiding you through every step of the loan process, we will work hard to transform your homeownership dream into reality. Here’s how it works: 1. We start with a simple conversation to understand your budget and overall situation. 2. You’ll fill out an application and provide a few income and asset documents. 3. We’ll review your recent credit profile and if you qualify, we will discuss down payment and loan program options that suit your needs. 4. Once we’ve gone through the numbers together and you’re comfortable, we’ll issue the pre-qualification letter to the realtor of your choice. Then, the real fun begins - you can start shopping for your new home! Take Jane, for example, who was a renter just like you. With our help, Jane was able to finance her dream home in a neighborhood she loves. Now, she’s enjoying the freedom of homeownership. So why wait? Start your journey to homeownership with Supreme Lending today! You can call, text or search for me online, and let’s turn your dream into reality.

Join my interview with our Lady Lender - Samantha Cavazos, branch manager with Supreme Lending. We talked about why Instagram is important in your business along with other social media channels like Facebook and TikTok. She went over what to post and when and that getting mortgage client leads is possible. At Supreme Lending our goal is to provide value to our loan officers to understand how the can take their business to the next level.

💥Looking to Take Your Mortgage Business to the Next Level? Let's have a confidential Zoom Call to Learn How 💻 👇Watch This Quick Video 🎥 To Learn More Visit https://www.successatsupreme.com/ ✔️Marketing, Systems & Scenario Support ✔️Branch Mgr Opportunities with PnL ​✔️Access to Dedicated Operations Team ✔️​Loan Costs Tied to Branch ​✔️Pre Built Social Media Campaigns ​✔️White Labeled Point of Sale System ✔️​Multiple CRM Options ​✔️Onboarding & Training Team Access ​✔️Ability to Broker Loan Products ✔️​In House Home Equity Line Product #supremelending

2-4 Unit Property Guideline change announced by Fannie Mae. This is effective 11/18/2023 and reduces the down payment requirement on purchase or rate and term transactions that are primary residence. The down payment was 15%. The amount that you can borrow wil depend on the county the transaction will take place in. Each county will have new 2024 loan limits announced. The benefit of buying a 2 to 4 unit property is one of the units will need to act as your primary residence, however, you have the ability to rent the other units out and use that projected income to help offset the new payment in your qualification. Or if you have a family member that you are looking to live with you can occupy one of the units and have them live in another unit. Call Tracie Schmidt with The Schmidt Team at Supreme Lending to find out more and see if you can pre qualify to purchase a 2-4 unit property. You can call or text 858-336-5200

Are you afraid to put your home up for sale in this current real estate market? Comment & Share Why

Are you a homeowner that has more credit card debt and less savings since the pandemic? Did you know credit card debt increased by $85.8 billion during the 4th Quarter of 2022 the highest quarterly increase ever recorded, and the average national savings average is still below pre-pandemic levels Did you also know as a homeowner that equity is at an all time high. That means you most likely have more equity in your home now then you ever have. Now let’s talk rates, I keep hearing I don’t want to refinance and get rid of that low mortgage interest rate I have at 3.5%, BUT why are you willing to pay 15%, 17% even 20% APR on credit card balances with the federal funds rate continuing to rise? What are your actual total payments monthly when you take a look at them because you probably aren’t paying the minimum on your credit cards? If you are a homeowner and have credit card debt and car loans and are struggling to get them paid off text the word Refi to 858-285-1122. There is no cost and no obligation for me to do a soft credit pull to see the debt you have, confirm your equity position, and figure out if a debt consolidation using your home’s equity even in this higher interest rate market could benefit you. And don’t forget there are no pre-payment penalties so 7 months from now or 12 months from now or 15 months from now if rates drop and there is benefit to you we can revisit your scenario. Sometimes rate is just a number when it can put money in your pocket with monthly savings. text the word Refi to 858-285-1122

Have you always wanted to own a property that you could use as a short term rental. Look to list it on VRBO or AirBnB and increase your real estate portfolio. A short term rental purchase loan is a great way to build wealth through real estate. The Schmidt Team empowered by NEXA Mortgage has a lending partner that will allow us to use an average of the short term rental income off of the AirDNA's "Rentalizer." AirDNA gathers data from AirBNB and VRBO to provide short-term rental income history for potential properties. The down payment will depend on the experience level you have owning a short term rental. To find out more text the word DSCR to 858-285-1122

April 2023 Housing Market Trends from Realtor.com's April housing report. With 21% fewer new listings in April 2023 than last year, the inventory of available homes is still ~50% below pre-pandemic levels. [realtor.com]. Increasing interest rates have really taken a toll on affordability especially in higher priced markets like San Diego. Every market is different and realtor.com is using national averages but you can see that even though inventory trends are slightly increasing we are no where near the levels we need to be. Sellers are holding back becuase they feel like they are locked in at a lower interest rate then if they were to sell and buy a new home at a higher rate making the affordability tough. We are all waiting for interest rates to go down but it is still a great time to buy a home. If you are buying a primary residence there is no pre payment penalty on your loan so if and when rates drop you could look to refinance into a lower rate with a more affordable payment. So buying a home now while home prices are lower then where they will be next month or next year will get you locked in with the opportunity to refinance down the road. If you wanted more information about the housing market in your area or what market rates look like as of today feel free to reach out to Tracie Schmidt 858-336-5200

If you own a home currenty and need to use the equity that is in that home as a down payment for your new home but you don't want to submit a contingent offer in this market becuase it is competitive we may have a solution for you. Like any program we would have to make sure you would qualify, however, the concept is getting approved to be able to get into contract on your new home before you sell your current home. This could also give you as a seller the peace of mind you need to make sure you are going to find your next home. Check out this video with Tracie Schmidt, mortgage loan officer based out of San Diego, CA and Heather Jones a real estate agent that works the Corona and Southern CA Market.

One of the most common things we here right now in the real estate market is there is low inventory. What does that mean exactly, there are not enough homes up for sale bases on the current demand of buyers. It is still driving home prices up and it is scaring sellers that want to sell and buy a new property from listing their home in case they can't find their new perfect home. So I wanted to try and think of a way that we can turn this low inventory situation we are in into a possible positive. There is a renovation home loan, not many people know about the Renovation Home Loan but it can be used for a purchase of a new home or a refinance of the home you already own. You can look to make cosmetic upgrades, put in a pull, tear down a wall and even build an ADU unit as part of the purchase or refinance which is popular here in California. Now there are still guidelines you need to meet, however, this could help you focus on a property that might not be turn key meaning reay to move in to and just turn the key and start living in the home. Maybe there is a fixer upper out there in the perfect location that you don't have the money to do the upgrades or make the changes you need. With a renovation home loan it may be your change to get into a new home sooner then later and have up to 6 months to get it the way you want it or if you already own a home and don't want to sell you can look to do a refinance and make your current home your new dream home. If you want more information about a renovation loan and how the program works you can contact Tracie Schmidt with The Schmidt Team empowered by NEXA Mortgage at 858-336-5200 or email me at tschmidt@nexamortgage.com and we can have a quick call to go over what you might be looking to accomplish.