I’ve been in the mortgage business for over 30 years, and I’ve seen a lot of market cycles. Right now? Buyers are feeling stuck. Rates are high, prices haven’t dropped enough, and affordability is a major issue. That’s why I created Project My Home®—a smart way to make buying a home actually doable in today’s…
Are you about to use your VA loan for the first time and feeling a bit unsure? Don’t worry, you’re not alone! Buying a home can be confusing, especially with veteran benefits involved. I’m Rick Elmendorf, a loan officer with over 30 years of experience, and I’ve been helping our nation’s veterans get through the…
Are you worried about making costly mistakes with your VA loan when buying a home? You’re not alone. I’m Rick Elmendorf, and with 30 years in the mortgage industry and a track record of being in the top 1% of loan officers nationwide, I’ve seen plenty of veterans face challenges in the home-buying process. Today,…
Ever wondered what a non-contingent offer in real estate is and why it could be a game-changer when you’re house hunting? I’m here to explain how making a non-contingent offer can set you apart in a competitive market. Non-contingent offers mean you waive common conditions like financing, appraisal, or inspection contingencies, signaling to the seller…
Have you ever wondered how much you can actually borrow with a VA loan? Knowing your maximum loan amount is key, whether it’s your first home or your next. Today, I’m excited to walk you through five easy steps to figure out just that, plus three important factors that affect how much you can get…
Have you ever questioned what it really takes to get a VA loan? Has anyone ever laid it out step-by-step so it actually makes sense? Well, today’s your lucky day because I’m going to walk you through the seven main steps to securing a VA loan. Who am I? I’m Rick Elmendorf, a mortgage loan…
Today, I want to discuss a topic that’s really important to many of us: how to refinance your VA Home Loan. With over 30 years of experience as a mortgage loan officer, I’ve dedicated my career to helping our nation’s heroes like you get the best deals on home loans. Whether you’re considering transferring to…
Buying a home with a VA loan offers unique advantages, so I wanted to discuss five crucial things every veteran and military member should know before buying a home. As you start looking to buy a home using your VA home loan benefits, let me tell you, these benefits are game-changers. I’ve seen so many…
Maybe never. The Fed says inflation may be too low which just might cause mortgage rates to stop falling all together. Let’s take a look at what was said and how this will affect the economy and mortgage rates. Federal Reserve Governor Waller Speaks Out Fed Governor Waller released a statement. “I just think that…
As we step into 2025, there’s a noticeable shift in mortgage interest rates, with a significant decrease that hasn’t been seen since the financial crisis. This trend poses an important question for homeowners: Is now the right time to refinance your mortgage? Refinancing can seem complex, but you don’t need to be a financial guru…
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