Lone Star National Bank’s Post

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In my last life as an MLO, I'm going to take this as a reminder to: Tell you to check your amortization schedule and ensure that the payments you are making are having the impact you intend them to. When I was with BBVA, additional payments would only advance the amortization schedule. Meaning that for every payment from your first to last (imagine them numbered out) it would progress through the interest/principal assigned to each payment faster, without giving you a break on interest. The bank would get its money faster decreasing their risk. The only way this would be circumvented is if you designated a "principal only" payment of $10k or more. Many of the people I talked to found out way too late. And the mortgage industry has many of your payments servicers changing year to year (usually you'll get a notice about this in the mail) Make informed decisions on where your $ is going. This isn't financial advice, just a PSA. #lending #mortgage #payments #financing #banking

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📢 Wave Money expands lending policy and product solutions   We are pleased to announce that WAVE MONEY has successfully established an additional warehouse funding facility with a leading Australian bank.   The additional facility has enabled the expansion of our lending policy and range of mortgage solutions.   Now even more brokers are using Wave Money and here's why!! ✅Larger loan amounts up to $3m ✅Higher LVRs without mortgage insurance (to 85% for PAYG borrowers) ✅Cash Out (Any worthwhile purpose, including business purposes) ✅Debt Consolidation (ATO debts accepted) ✅Interest Only loans for owner occupiers ✅Residual / Retained Stock for refinance and cash out ✅Generous loan servicing calculation ✅Very simple Alt Doc verification   LET’S TALK Do you have a scenario in front of another lender that is tight and not going to service?   Pick the phone up. Let's have a discussion https://lnkd.in/gYjRkfva   #mortgage #broker #wavemoney

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