RE-Charging with Champions

Home buying AFTER a foreclosure: Tuesday tips realtors and lenders can share on their social media

In today's episode of Recharging with Champions, we tackle the dreaded "F word" in the mortgage world: foreclosure. Financial hardships can affect anyone, but experiencing a foreclosure doesn't mean the end of your homeownership dreams. Join us as we offer two insightful tips that you can share on social media to help others navigate life after foreclosure.
Our first tip highlights the leniency of FHA loans, allowing individuals to pre-qualify for a new home just three years after a foreclosure, provided they meet other guidelines. Many people are unaware of this relatively short waiting period, so it's essential to spread the word and educate others.
The second tip clarifies the often-misunderstood foreclosure date. For FHA loans, the countdown begins when the foreclosed home's title is transferred out of the borrower's name. Understanding this detail is crucial for planning a return to homeownership.
Foreclosure isn't the end; it's a chance to rebuild. Share these tips with your network and offer hope to those who have faced financial challenges. Stay informed and empowered, and we'll see you in the next episode!
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More about Charlotte Harrill
LinkedIn https://www.linkedin.com/in/charlotte-harrill/
Instagram https://www.instagram.com/char_mtg_girl/
Instagram https://www.instagram.com/char_atlantic_bay/
Facebook https://www.facebook.com/BGMortgage/
Organic Marketing Genius https://thecharlotteevents.com/omg
Charlotte the Mortgage Gal: https://www.atlanticbay.com/charlotteharrill/
 
Check out helpful tools, training and more on my YouTube channel! https://www.youtube.com/@rechargingwithchampions

Homeownership after Bankruptcy Chapter 13: Social media post for realtors and lenders

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In this episode of "Recharging with Champions," we explore the journey of overcoming financial hurdles and finding hope in the face of adversity. Our host emphasizes the importance of understanding that bad financial events can happen to good people and highlights a path forward for those who have faced setbacks like Chapter 7, Chapter 13, or foreclosure.
We share the inspiring story of Beth, who, despite facing financial challenges due to her husband's illness, managed to secure a home while in a Chapter 13 bankruptcy plan. This episode provides valuable insights into how maintaining perfect payment history during a Chapter 13 can open doors to homeownership with court approval.
Listeners are encouraged to spread awareness and support those in similar situations, reminding them that with the right knowledge and guidance, it is possible to achieve financial recovery and stability. The episode also offers resources and tools to help navigate these complex situations, empowering individuals to take control of their financial futures.
More about Charlotte Harrill
LinkedIn https://www.linkedin.com/in/charlotte-harrill/
Instagram https://www.instagram.com/char_mtg_girl/
Instagram https://www.instagram.com/char_atlantic_bay/
Facebook https://www.facebook.com/BGMortgage/
Organic Marketing Genius https://thecharlotteevents.com/omg
Charlotte the Mortgage Gal: https://www.atlanticbay.com/charlotteharrill/
 
Check out helpful tools, training and more on my YouTube channel! https://www.youtube.com/@rechargingwithchampions

The Surprising Truth About Old Collections on Credit: Thursday Trivia for your Sphere

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In this week's episode of Thursday Trivia, we dive into the perplexing world of credit, a topic that often defies common sense. Discover why actions you might assume would boost your credit score could, in fact, do the opposite. We tackle a true or false question that challenges a widely held belief: does paying off an old collection improve your credit score? The surprising answer is revealed, and it's not as straightforward as you might think.
Join us as we explore why it's crucial to consult a professional before making decisions that could impact your credit. Learn how seemingly simple actions might affect your ability to purchase a home in the future. This episode aims to spark engagement and discussion, encouraging you to share insights and experiences on social media. Tune in to ensure you're making informed decisions to enhance your credit health effectively.
More about Charlotte Harrill
LinkedIn https://www.linkedin.com/in/charlotte-harrill/
Instagram https://www.instagram.com/char_mtg_girl/
Instagram https://www.instagram.com/char_atlantic_bay/
Facebook https://www.facebook.com/BGMortgage/
Organic Marketing Genius https://thecharlotteevents.com/omg
Charlotte the Mortgage Gal: https://www.atlanticbay.com/charlotteharrill/
 
Check out helpful tools, training and more on my YouTube channel! https://www.youtube.com/@rechargingwithchampions

Understanding Credit Pulls: When Multiple Inquiries Matter

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In this episode of your daily jumpstart, I tackle the often-misunderstood topic of credit pulls and their impact on your credit score. Ever wondered when it's okay to have your credit checked multiple times without harming your score? We dive into the specifics of when multiple inquiries can be detrimental and when they are harmless.
Learn why shopping around for the same type of credit, like a car or home loan, won't hurt your score, but mixing different types of credit inquiries could. Discover how the credit bureaus view these inquiries and why they may penalize you for diverse credit requests within a short timeframe.
Empower yourself with the truth about credit pulls, and share this knowledge with your network. We've also included a handy graphic in the goodies section to help you communicate this information effectively on social media. Happy marketing, and see you tomorrow!
More about Charlotte Harrill
LinkedIn https://www.linkedin.com/in/charlotte-harrill/
Instagram https://www.instagram.com/char_mtg_girl/
Instagram https://www.instagram.com/char_atlantic_bay/
Facebook https://www.facebook.com/BGMortgage/
Organic Marketing Genius https://thecharlotteevents.com/omg
Charlotte the Mortgage Gal: https://www.atlanticbay.com/charlotteharrill/
 
Check out helpful tools, training and more on my YouTube channel! https://www.youtube.com/@rechargingwithchampions 

Helping others Master Credit: The Secrets to Boosting Your Score

 
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Welcome to "Recharging with Champions," your daily jumpstart with host Charlotte Harrill. In this episode, we dive into the crucial aspects of managing your credit score effectively. Understanding the hidden pitfalls of credit can save you from unexpected drops in your score.
First, we explore the importance of timely payments. Missing payments can drastically impact your credit score, leading to a loss of up to 100 points. Discover how staying ahead of your due dates can protect your score from long-lasting damage.
Next, we tackle credit utilization. Learn how exceeding your credit limit can similarly affect your score, and why managing your revolving credit accounts is key. The good news? Reducing your utilization can quickly restore your score, unlike the slower recovery from late payments.
These practical tips are perfect for sharing on your social media. Join us in educating others, helping them to maintain higher credit scores and save thousands of dollars. Tune in tomorrow for more insights!

Daily Jumpstart : Unlocking the Door to Your Client's Home Ownership

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In this episode of Recharging with Champions, we dive into the often misunderstood world of credit scores and their impact on home buying. Our host sheds light on the real credit requirements for purchasing a house and dispels common myths that hold potential homeowners back. Learn about the unique credit evaluation system in home financing and discover how a mid-range credit score can still open doors to home ownership.
Join us as we share a compelling story about Jack, a client who believed his credit was too poor to buy a house. With a few simple adjustments, he not only got pre-qualified but also closed on a house within 45 days. This episode also offers a handy toolkit, including a credit score pyramid, to help you understand what constitutes excellent, middle, and minimum credit in the mortgage world.
Whether you're in the market for a home or know someone who is, this episode is packed with valuable insights and actionable advice. Tune in to learn how a little knowledge can transform renting into owning, and feel empowered to share this vital information with your social network.

Daily Jumpstart Trivia: Navigating Home Sale Proceeds

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Welcome to the Thursday edition of "Re-charging with Champions," hosted by Charlotte Harrill. In this episode, we dive into the world of real estate trivia, focusing on the financial decisions faced by non-first-time homebuyers. Learn whether you need to use all the proceeds from selling your current home to purchase a new one. Spoiler alert: the answer is false! Discover low down payment options and more valuable insights to share with your network.
Engage with us on social media through interactive polls and stories, and don't miss out on the free toolkit graphic available for download. Stay relevant and connected with your audience as we approach the busy fall real estate season. Tune in for valuable nuggets of information and get ready to make new connections. See you tomorrow!

Demystifying Interest Rate Buy-Downs: A Simple Guide

In this episode of "Recharging with Champions," host Charlotte Harrell breaks down the complex concept of interest rate buy-downs, making it accessible for real estate agents and first-time homebuyers. Discover how paying upfront interest can reduce your long-term mortgage rate and save money over time.

Charlotte provides a clear explanation using practical examples to illustrate how buy-downs work and when they might be beneficial. She also discusses the importance of understanding market fluctuations, calculating your break-even point, and consulting with your lender and tax professional to ensure it aligns with your financial goals.

Tune in for this Wednesday Jumpstart and equip yourself with the knowledge to make informed decisions about interest rate buy-downs. Don’t forget to register for free resources to enhance your understanding further.

Tuesday Tips for your Marketing Jumpstart: Repeat buyer expectations

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Tune into this episode of 'Re-charging with Champions' hosted by Charlotte Harrill to discover different mortgage options for non-first time homebuyers. Learn about various programs that require low or no down payments such as USDA, VA, FHA, and conventional loans. Stay top of mind and relevant by sharing these valuable insights on your social media. 

Unlocking Home Affordability: Understanding Bridge Loans

Welcome to "Recharging with Champions," your Daily Jumpstart with host Charlotte Harrill. In this Wednesday episode, we delve into the concept of bridge loans, a financial tool designed to aid homeowners in transitioning from one property to another.
This episode focuses on affordability solutions for those who are not first-time buyers but are looking to purchase a new home while still owning their current one. Bridge loans offer the flexibility to buy before selling, leveraging the equity in the existing property.
Charlotte explains the basics of how bridge loans work, highlighting their short-term nature and the importance of pricing the existing home correctly for a quick sale. Listeners are encouraged to educate their clients about this often-overlooked option and to collaborate with trusted lenders to navigate the best bridge loan solutions.