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Keeping Your Financial Resolutions

rpccarrigan

Did you know 58% of Americans start the new year by making a resolution to get their finances in order, but only 19% are able to keep it? The middle of January, when winter is at its most brutal, is often when people decide to quit on their resolution and go back to their old behavior.

I want you to know that my team and I are here to help you reach your financial goals. Your mortgage is your largest monthly bill and we can often help you find a loan length and term that will help you achieve your financial goal.

Interest rates are still near historic lows and a cash out refinance could help you achieve the goal of paying off credit card debt. A cash out refinance could also help you pay down student debt you may be carrying.


If your goal this year is to move into a new home, my team and I can help you make that dream come true. The property market is still hot with home inventories still low, so feel free to reach out to me for a pre-approval letter so you don't miss out on the home of your dreams. My team and I have decades of experience and we are here to help buyers like you navigate the home ownership process.

Personal finances are never a pleasant topic to discuss, but you can rest assured that my experience in the mortgage industry means I have seen almost every scenario possible. I will do my best to help you to be financially successful and I will never advise you to take out a mortgage that doesn't align with your longer term goals.

As always, thanks for trusting me with your business.

Ryan

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Shamrock Home Mortgage is a full service mortgage brokerage company registered with the NMLS under #1680873.  Shamrock Home Mortgage has its home office in Aurora, IL as well as a satellite office in San Antonio, TX and is licensed to provide mortgage brokerage services. Illinois Residential Licensee 031.0008400, Texas 238717, NMLS # 238717

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Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. a toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
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