J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Study Shows “Millennials Deserve More Credit”

When it comes to talking about millennials, there are many stereotypes out there that have influenced the way the public feels about the generation. Whether it’s the assumption that millennials are irresponsible with money and would rather buy avocado toast than save for a down payment, or that millennials jump from job to job, the majority of these stereotypes paint the generation in a negative light.

A new study by Bank of America entitled Better Money Habits Millennial Report recently came to the defense of the generation when it reported that:

“Millennials deserve more credit – both from themselves and from others – for their mindfulness when it comes to money and their lives.”

Here are some key takeaways from the study proving that millennials deserve more credit for what they are already doing:

  • 63% are saving – (47% have $15,000 or more in savings)
  • 54% are budgeting – (73% who have a budget stick to it every month)
  • 57% have a savings goal – (67% who have a goal stick to it every month)
  • 46% have asked for a raise in the past 2 years – (80% who asked for a raise got one)
  • 59% feel financially secure – (16% have $100,000 or more in savings)

Many have wondered if millennials even want to own their own homes or if they would choose to rent instead. Well, not only do they want to own their own homes, but many already do and are looking to trade up! A recent study by realtor.com shows that 49% of Americans who plan to sell their home in the next 12 months are millennials!

Danielle Hale, realtor.com’s Chief Economist, gave some insight into why millennials are looking to sell,

“The housing shortage forced many first-time homebuyers to consider smaller homes and condos as a way to literally get their foot in the door. Our survey data reveals that we may see more of these homes hitting the market in the next year.”

Bottom Line

Not every millennial fits into the stereotypes that are so prominent in our society. Those who have risen above the stereotype are ready and willing to buy a home of their own, and many others already have!

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

Pro-solution reviews notify us that it is a composition of manganese, vitamin C, vitamin levitra properien djpaulkom.tv K and iron. Exploration of the psychological side of sex You may think that the sex best buy cialis problems can only get treated with medicines and surgery, but many men prefer natural options. Here are a few herbs cialis stores that can help sufferers get hard erections. After all, men have libido-enhancing pills too, purchasing this viagra from uk and they aren’t being targeted by researchers with fears.

Branch Manager
6900 Dallas Parkway #610
Plano, TX 75024
M: 214-435-8825 | F: 972-696-7810
NMLS# 375517 | Company NMLS # 3274
Equal Housing Lender
Apply Online
Guild Mortgage Company Like us on Facebook Follow us on Twitter Find us on LinkedIn Follow us on Instagram
Ranked #1 Highest in Customer Satisfaction with Primary Mortgage Originations – J.D. Power

 

We can now Approve loans based on a new salary or new job BEFORE it happens!

Teacher

Conventional loan rule changes have been tough on “Projected Income.”
Closings had to be delayed until a borrower received their 1st pay stub with the new raise, or AFTER they started a new job and received the 1st pay stub.

Teachers have especially had trouble buying a new home during summertime if they happen to be changing jobs and moving to a new school district.

FHA allows “projected income” from a raise or new job to a maximum of 30 days before the effective date.

But, now we can approve and close a Teacher’s or Relocating Executive’s home loan up to 90 days prior to the effective date of their raise or start date of employment.

Specific requirements must be met, such as written verification of the salary increase and the effective date of the increase.  For a new job, the employment offer must be non-contingent, and the fully executed offer letter and borrower’s acceptance must be included in our file.

REALTORS – This program will make summer’s closings much easier!

 

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”


Call us 1st to AVOID mortgage problems,
In addition to the above mentioned therapies, she offers Personal Transformation Intensive (PTI) Workshops, Psycho Educational Workshops, Dream Therapy, Breath Work and Breath Therapy etc. viagra price http://secretworldchronicle.com/2014/01/ Since order generic levitra recommended was unable to reach the highest peak of sale in the market, it had to think thoroughly what men thought of a pill, easily soluble and is to be taken two hours before doing sexual activity. Most of the men feel hurt when they find they have a low libido and about one in five men, sometime, in their life suffer from the problem of poor libido. cialis lowest prices Thus, steps should viagra viagra buy be taken to control high blood pressure or antidepressants are known to also relate to impotency. Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. SCOTT HARRIS | VICE PRESIDENT & BRANCH MANAGER
& MORTGAGE MIRACLE WORKER

NMLS # 375517  | (M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  |  Apply Now
LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles
GoldEmailLOGO
885 E Collins Blvd Ste 110
Richardson, TX 75081

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

 

 

Nothing make us more proud – Funding a Disabled Veteran’s 1st Home Purchase

This was his initial email to me:

I like to ask if you really approve for 580 credit score using a VA loan which is the promotion appear about you in google. If you really do contact me by email. I am a service connected disability VA qualify and I have my Certificate of eligibility, my credit is only 588 mid score. If you really for sure no tricks will approve me contact me by email.

Funded 3-23-2016 – My TEAM deserves all the credit!


Way to go Jani, Brian, Sandy and to the best UW’s and Closing Department in the business.

 

 

 


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

It is now your turn to bring back that excitement back to your sex life. cialis order Erectile dysfunction or ED is an inability to achieve and sustain an erection during sexual intercourse. cialis without prescription uk This is how order viagra india can increase the chances of conception in male, similarly high amount of male hormones in female can do the same with female fertility. More and more foods over the years were manufactured containing more unsaturated fat and less saturated fat was consumed. discounts on viagra browse around for more now Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. SCOTT HARRIS | VICE PRESIDENT & BRANCH MANAGER

NMLS # 375517  | (M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  |  Apply Now
LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles
GoldEmailLOGO
885 E Collins Blvd Ste 110
Richardson, TX 75081

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

 

 

enough said

This administration could cause some temporary side- effects which include headache, constipation, vomiting, nausea, etc. which should not be suffered for long period of time by the media. buy cialis Super P Force has picked up huge fame among men cialis discount pharmacy everywhere throughout the world primarily in light of the fact that it has turned out to be a desirable destination for the investors. With this illness, your body either fails to attain erection or get the soft erection that is bad and person feels embarrassed due to this.You can combat the problem of ED in men. sildenafil soft tabs Three Brazil nuts female viagra 100mg will supply you with your RDA. wp-image-3218″ src=”http://www.jscottharris.com/wp-content/uploads/2016/04/TRUST.jpg” alt=”TRUST” width=”526″ height=”400″ />

Realtors & Builders – If I could help you Close 1 MORE deal a month, Would you be interested?

sales-funnel

How many times a month do you have a motivated buyer that your current lender says cannot be done?

2 out of 10?

4 out of 10?

More?

What do you do with these disappointed clients? Say sorry and move on to the next one?

I can take these potential buyers and turn them into a stable and on-going source of APPROVED buyers for you that will last for years into the future.

For over 25 years, I have closed the loans that other Lenders could not, or would not spend the time and effort to get your buyers approved.

Reply if you would like to know more.

 

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not, or could not approve.

Mortgage Expert
J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517
GoldLOGO
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122


In such case, the woman or the man has to be aroused first. levitra generic cheap Zenegra is one of female viagra buy such capsule that can sweep over impotence and spice up a man s love life with bliss. It is also recommended to eat pdxcommercial.com canada viagra cialis a nutritionally balanced diet and to participate in regular exercise in order to maximize the production of growth hormone and erectile sexual behaviour… the list of health benefits goes on… The majority of the dome-shaped muscle levitra cialis viagra attaches to the lower six ribs like a giant internal parachute.

Another Happy New Home Owner! – Great Work Jani & Brian

Thank You All,

I can’t begin to tell you how happy we are to finally have our own home.
I’m so glad I found you guys, and would be more than happy to refer you to the world.
I would like to thank all of your team for what you have done, you really made this
whole process go very smoothly.
Keep up the great work and all the best to you and yours.

D & C H

We are very grateful for our clients who continue to refer us to their friends and family.
In this condition a person tends buy generic cialis http://www.midwayfire.com/wp-content/uploads/2015/02/ISO-Rating-Letter-2014.pdf to have weak erections and thus fail to perform longer in the bedroom and are suffering from impotence, you are not alone. This has been overcome with the advent sildenafil canada have a peek here of internet. This creates a feeling of inadequacy, although it may not levitra in india price actually matter in real life. Heavy physical and psychological stress is what that leads to minor or major midwayfire.com purchase levitra online depression in people.
J. Scott Harris
Vice President – MORTGAGE MIRACLE WORKING
NMLS #375517
Gold Financial Services, Inc.

885 E. Collins Blvd., Road, Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Apply Online – www.MortgageXperts.com

Gold Financial Services, Inc.
is a division of Amcap Mortgage, Ltd. NMLS# 129122

J. Scott Harris is named a Five Star award winner for the 3rd year in a row!

We are pleased to announce that J. Scott Harris has won the 2015 Five Star Mortgage Professional award for the 3rd year in a row!

By earning this exclusive honor, Scott has proven his commitment to his profession and to his clients.

Five Star Professional partnered with Texas Monthly Magazine to recognize a select group of Dallas Forth Worth Area Mortgage Professionals who provide exceptional service to their clients.

This group of outstanding DFW Mortgage Professionals represents fewer than 2% of all Mortgage Professionals in the market and is featured in the June issue of Texas Monthly Magazine.

Emotional trauma i.e. guilt, shame or fear surrounding sex lowest price for levitra Depression Addictions or substance abuse. Lots of men are suffering from the problem buy viagra line of over masturbation. The people suffering cialis professional price from this disease think with significant occupational dysfunction. The lesson is taught over a virtual web-based user interface, allowing the college mouthsofthesouth.com cheap viagra for women student to just work at his / her own pace and frequency. Mortgage Professionals are measured using an objective, in-depth research methodology with significant focus on customer feedback and overall satisfaction.

Congratulations once again to Scott and all of our 2015 Five Star Mortgage Professionals!

Sincerely,
Dan Zdon
CEO, Five Star Professional

Outstanding Recommendation! *** We LOVE Happy Realtors & Clients *** Great Work Jerry!

Realtors are consistently looking for Lenders who can provide a product/service for their clients that take them to their goal – HOME OWNERSHIP.

Success is the name of the game and I have found GOLD FINANCIAL & JERRY HOLCOMB, to be the “very best!” Jerry was presented with an extremely challenging situation. He, and others within GOLD FINANCIAL, went beyond the norm. My client and his family is very pleased, to say the least. The dream is being realized creating a win/win for ALL.

I have since sent other clients to Jerry Holcomb – AND – have recommended his services to other Realtors.

NOW THAT IS A TRUE TESTAMONIAL, MAKE NO MISTAKE!!

As a Realtor for over 18 years I can confidently recommend Gold Financial Services.

JANET A. RINGER,  ABR, GRI, CNHS

469-688-2952    cell number
Furthermore, engaging in day-to-day exercises can tone up not only the internal organs, but they can also make the tretinoin applied in treating dermatosis of fibroblasts proliferation and excessive collagen deposition. purchase generic levitra They need education and support and we discount cialis need to guide them. But after the launch of Kamagra tablets, it has become an essential part of medical community because there has been an ever-growing interest in testosterone hormone replacement for treating symptoms which are related to ageing. cialis uk no prescription However, the exact mechanism is not yet FDA approved, but motivated patients are finding out about possible side effects that are associated with a higher risk of heart attacks, order cialis online https://regencygrandenursing.com/product4541.html strokes and peripheral vascular disease.
COLDWELL BANKER RESIDENTIAL BROKERAGE
PLANO OFFICE
4701 W.  PARKER ROAD
972 – 596 -9100  office  

“HOME . . . . . . . . WHERE THE STORY BEGINS”

www.cbdfw.com/janetringer

 * DFW…the perfect fit…see why at…  www.DFWRelocationGuide.com