🎉 Home Loans Missouri | Ravon Rogers

Choosing the right mortgage plan with Ravon Rogers at Better Mortgage ensures that your financial goals and homeownership dreams align perfectly. Here’s how Ravon can guide you through this critical decision:

1. Evaluate Your Financial Profile:
   • Ravon will help you assess your income, credit score, savings, and debt-to-income ratio. These factors are key to determining the types of loans you qualify for and securing the most competitive rates.
2. Define Your Goals:
   • Are you purchasing your first home, upgrading, or investing in real estate? Your goals will shape whether a fixed-rate mortgage (ideal for long-term stability) or an adjustable-rate mortgage (ARM) (offering lower initial payments) is the best fit.
3. Explore Loan Options:
   • Better Mortgage offers a range of products, including conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans. Ravon will explain the benefits and potential drawbacks of each loan type, ensuring that the plan you choose meets your current needs and future goals.
4. Account for Additional Costs:
   • Beyond your mortgage payments, property taxes, homeowner’s insurance, and potential private mortgage insurance (PMI) should be considered. Ravon ensures you understand these costs upfront to make a fully informed decision.
5. Secure Competitive Interest Rates:
   • Ravon monitors the Missouri market closely, working to secure the best rates available for your unique financial situation, ultimately saving you money over the life of your loan.

To discuss your specific needs and receive personalized advice, contact Ravon Rogers at (929) 493-5912 today.

Your middle credit score plays a significant role in determining the mortgage options and interest rates available to you. Here’s how Ravon Rogers can help you improve your credit score for a successful mortgage application:

1. Review Your Credit Report:
   • Start by obtaining your reports from Equifax, Experian, and TransUnion. Ravon can guide you in reviewing them for errors, such as incorrect balances or outdated information, which could negatively impact your score.
2. Dispute Inaccuracies:
   • If you find errors, dispute them promptly with the credit bureaus. Correcting inaccuracies can lead to immediate score improvements.
3. Lower Your Credit Utilization:
   • Aim to use less than 30% of your available credit. Paying down credit card balances and avoiding new debt will help boost your score quickly.
4. Make On-Time Payments:
   • Timely payments are crucial for building a strong credit history. Automating your payments or setting reminders ensures you never miss a due date.
5. Avoid New Credit Inquiries:
   • Avoid applying for new loans or credit cards in the months before your mortgage application, as this can temporarily lower your score.
6. Utilize Resources:
   • Tools like Middle Credit Score® offer insights and strategies to improve your middle credit score, equipping you with the knowledge to secure the best mortgage rates.

For more credit improvement tips, reach out to Ravon Rogers at Better Mortgage by calling (929) 493-5912.

Absolutely! Whether you’re looking to refinance or purchase a home, Ravon Rogers at Better Mortgage offers expert guidance and personalized solutions to meet your needs.

Home Purchase:

• Pre-Qualification and Pre-Approval: Ravon will help you get pre-approved, giving you clarity on your budget and strengthening your offers when buying a home.
• Tailored Loan Products: With access to a variety of loans, Ravon ensures you find the right option for your financial goals, whether it’s an FHA loan for low down payments or a jumbo loan for high-value properties.
• Step-by-Step Guidance: From application to closing, Ravon provides personalized support, ensuring a stress-free homebuying experience.

Refinancing:

• Lower Your Interest Rate: Refinancing with Ravon can reduce your monthly payments by securing a better interest rate.
• Cash-Out Refinancing: Access your home equity for significant expenses like home renovations or debt consolidation.
• Adjust Loan Terms: Shorten your loan term to pay off your mortgage faster or extend it to reduce monthly payments.

Contact Ravon Rogers at (929) 493-5912 for personalized advice and to explore your refinancing or home purchase options today.

To ensure a seamless mortgage application process, gather the following documents before working with Ravon Rogers at Better Mortgage:

1. Proof of Income:
   • W-2 Forms: From the past two years to verify your income and employment history.
   • Pay Stubs: Covering the last 30 days to confirm current earnings.
   • Tax Returns: Required if you’re self-employed or have additional income sources.
2. Proof of Identity:
   • Government-Issued ID: A valid driver’s license or passport.
   • Social Security Number: Used for credit checks and identity verification.
3. Credit Information:
   • Credit Report: Ravon will review your credit score and history to assess loan eligibility.
   • Debt Documentation: Include details of credit cards, student loans, or auto loans.
4. Proof of Assets:
   • Bank Statements: From the past two months to verify funds for down payments and closing costs.
   • Retirement or Investment Accounts: If using these funds, provide account statements.
5. Employment Verification:
   • Employer Verification: Ravon may contact your employer to confirm your job status.
   • Self-Employed Documentation: Include business licenses or profit and loss statements if applicable.
6. Loan-Specific Requirements:
   • FHA Loans: Additional proof of eligibility.
   • VA Loans: Certificate of Eligibility (COE) for veterans.
   • USDA Loans: Documentation showing the property meets USDA criteria.

For assistance with your mortgage application, call Ravon Rogers at (929) 493-5912 or email eric.scofield@usbank.com.