Independence Home Mortgage Corp.

Self Care isn't selfish, it's important.

Reviewed by Patricia P. I used Martin Green and Independence Mortgage both for my purchase and my refinance. Both transactions were handled with the upmost expertise. The closings were efficient and all parties who participated were friendly and responsive. I would highly recommend Independence Mortgage and Martin to everyone.

Reviewed by Gabrielle J. Doug was recommended to us by our Realtor, and we couldn't have had a better experience. He was always available for a quick phone call or text whenever we had questions. Working with a local lender was invaluable in our home search. Doug worked to get us the best rate possible and we successfully purchased our first home. Thanks for all of your help Doug!

#transformationtuesdays It's not enough to wish for it. You need to work for it.

#musicmonday Post your favorite song to listen to in the summertime!

6 ways to help you save $1,000 in one month. Let’s say you’ve got a big expense coming up and need to save $1,000 in the next 30 days. (Congratulations for deciding to save rather than going into debt!) While this may sound like an impossible goal, it’s not. All you have to do is put your mind to it, start immediately and adopt some of these proven money-saving tips. 1. The first step is to create a very tight, very detailed budget. Account for every dollar you spend and slas...h everything that’s non-essential. 2. Stop going out for meals and entertainment. This may sound harsh, but it’s only for a month, right? And the savings can be significant. 3. At the end of each day, throw your spare change into a jar. Make it worthwhile by including everything from $5 bills and below. 4. Use cash for everything for one month. That lets you see and feel exactly how much you’re spending AND keeping in your pocket. 5. Sell stuff you don’t need anymore. List unnecessary furniture, electronics, fashions, etc. on eBay or Craigslist, or have a garage sale. Consider selling gold from old jewelry. 6. Work more. Again, it’s only for a month! Volunteer for overtime, take a part-time job, teach classes or offer consulting services. If you’d like more ideas on how to reduce expenses and save money fast, please give us a call today!

There's a reason why investing in Real Estate is the #1 millionaire-maker in the world... IT WORKS! Sure, real estate is a big investment. But remember it IS an investment. In fact, if you purchase a property strategically, it can help you generate income, tax savings and capital appreciation. Here are six proven strategies to make money with real estate... https://1l.ink/NGW3M4L

It's MONDAY don't forget TO SMILE

365 DAY PENNY CHALLENGE

Reviewed by Nzubechukwu O. Everyone genuinely wanted to help. Brian was always readily available to answer any questions I had about the process. Timely response.

1. Walk This Way - walk to the store or park 2. Unleash their Creativity (with Chalk & Sidewalk) 3. Go Camping! (in the backyard) 4. Climb a Tree 5. Organize a Scavenger Hunt in the backyard or park ... 6. Get Crafty (with Mother Nature) 7. Go Bike Riding 8. Play Ball - Soccer, Baseball etc.. 9. Hit the Water - Swim, Canoe or Fishing 10. Go on a Photo Safari - Pictures of Nature etc... See more

Most mortgage lenders monitor your finances from approval all the way through closing, so it’s best to hold off on any major purchases until after your loan has officially closed. Taking on new debt can halt the process and cause delays.

You know what’s scarier than ghosts, ghouls or goblins? Leaving the largest purchase of your life to a loan generalist. Luckily you have a mortgage expert (like us) to rely on. We'll focus on your mortgage not your student loans or savings account. Message for details!

Loans above the conforming loan limit are known as Jumbo loans. If you have a high credit score and the income to match, a jumbo loan can help you live large. Jumbo loan limits can vary, but we'll help you find out exactly how much you can spend. Call today!

There are plenty of good reasons to refinance your mortgage like reducing your interest rate or lowering your monthly payment to name a few but how do you know when the time is right? There’s only one way to find out. Call us to get started!

Reviewed by Susan B Very pleasant and thorough but quick experience!

One surefire way to lower your debt-to-income (DTI) ratio is to pay off credit card debt, car loans, or other loans. A lower debt-to-income ratio will improve your financial health, and your mortgage loan approval odds.

Reviewed by Julie M Martin was fantastically helpful! He was always happy to run numbers under different scenarios, answer all the questions I had, and was all around great to work with!

Backed by the U.S Department of Veterans Affairs, VA loans are tailor-made for members of the U.S military and come with unique benefits like lower interest rates and no down payments. Are you a veteran or active servicemember? Call us to discuss your eligibility.

Your debt-to-income ratio (DTI) = your monthly debt payments divided by your gross monthly income. Mortgage lenders use this number to measure your ability to pay back a loan. Mortgage brokers (that’s us!) use this number to shop multiple lenders to ensure you get the best, least expensive loan.

Don’t wait for perfect credit to become a homeowner! FHA loans are backed by the Federal Housing Administration and are usually approved with lower credit scores, which makes them a great option for many first-time homeowners. Message us for details.

What’s a cash-out refi? It’s taking money you’ve earned from your home whether through paying down your mortgage over time or through an increase in your home’s value and using it for whatever you want, like an upcoming vacation, college tuition, or maybe a home renovation! Give us a call to learn more.

Reviewed by Dana B. Great experience! Very smooth and everyone was very helpful!