Gerard W. Martinez-Preiti, NMLS #966890

Most renters exploring homeownership say they need better clarity on what they qualify for (51%), and more mortgage knowledge (38%). That’s exactly what I help with. Follow me and learn. Want to discuss specifics? DM me anytime. I'll break down the mortgage process in plain English so you know exactly where you stand and what’s possible. #mortgagetips #mortgage101 #homebuying #mortgagebroker #edgemortgagepro #brokersarebetter #mortgagerates

Seniors! Buy your dream low payment home with FHA HECM for Purchase (H4P). One large down payment, and flexible or no monthly payments —it's up to you! Keep your nest egg. DM me to learn how! #HECM #HomeBuying #SeniorFriendlyMortgage #LoanPrograms

use a mortgage expert like myself. It's just another way I save people money and make their transactions smoother. Need help with an investment property? DM me. 3/3 #DSCR #DidYouKnow #MortgageTips

that you may be able to choose different penalty options? Using a 3yr PPP for example- (5%-5%- 5%), (5%,4%,3%), or (1%,1%,1%). It pays to 2/3 🧵#DSCR #DidYouKnow #MortgageTips

Did you know? If you're looking at a DSCR loan to refi out of a rehab loan, you surely know that you can choose a prepay penalty to lower the rate, but did you know 1/3🧵 #DSCR #DidYouKnow #MortgageTips Media Source: giphy.com/gifs/all-recip… Photo by all_recipes on Giphy

The clouds cleared and we had a great view. Lift off! #Artemis2

Clouds clouds go away! Was hoping to watch Artemis II launch from my roof but got cloudy all of a sudden 🙁Hopefully will clear up in the next hour. T minus 1:03 youtube.com/watch?v=m3kR2K…

Did you know? Self-employed folks can qualify for a mortgage without showing tax returns. No, your receipts-in-a-shoebox system will not work. There's an easier way. 🧠 We use bank statements, assets, 1099, or 1 yr. P&L instead. Ask me how. #DidYouKnow #MortgageTips #Investment #HomeBuyingTips #1099 #Mortgage101

Don't close your credit cards out! Did you know that if you do, you lose your entire on time payment history? You also may hurt your credit by reducing your total available credit, which in turn raises your % of outstanding debt, and if the account has been open for many years you may reduce the avg length your accounts have been open. This will also hurt your credit. #credittips #didyouknow

More often than not, when you are checking your own credit you're seeing Vantage scores, occasionally you'll see a FICO score, but not FICO mortgage scores. The difference between what you see and what I pull can be more than 100 points, depending on what credit model you're seeing. Below is a graphic going over the difference between Vantage scores and FICO scores, what you should be paying attention to and why it's necessary to let me pull your credit before home shopping. #mortgage101 #credittips

Most renters exploring homeownership say they need better clarity on what they qualify for (51%), and more mortgage knowledge (38%). That’s exactly what I help with. Follow me and learn. Want to discuss specifics? DM me anytime. I'll break down the mortgage process in plain English so you know exactly where you stand and what’s possible. #mortgagetips #mortgage101 #homebuying #mortgagebroker #edgemortgagepro #brokersarebetter #mortgagerates

Seniors! Buy your dream low payment home with FHA HECM for Purchase (H4P). One large down payment, and flexible or no monthly payments —it's up to you! Keep your nest egg. DM me to learn how! #HECM #HomeBuying #SeniorFriendlyMortgage #LoanPrograms

use a mortgage expert like myself. It's just another way I save people money and make their transactions smoother. Need help with an investment property? DM me. 3/3 #DSCR #DidYouKnow #MortgageTips

that you may be able to choose different penalty options? Using a 3yr PPP for example- (5%-5%- 5%), (5%,4%,3%), or (1%,1%,1%). It pays to 2/3 🧵#DSCR #DidYouKnow #MortgageTips

Did you know? If you're looking at a DSCR loan to refi out of a rehab loan, you surely know that you can choose a prepay penalty to lower the rate, but did you know 1/3🧵 #DSCR #DidYouKnow #MortgageTips Media Source: giphy.com/gifs/all-recip… Photo by all_recipes on Giphy

Did you know? Self-employed folks can qualify for a mortgage without showing tax returns. No, your receipts-in-a-shoebox system will not work. There's an easier way. 🧠 We use bank statements, assets, 1099, or 1 yr. P&L instead. Ask me how. #DidYouKnow #MortgageTips #Investment #HomeBuyingTips #1099 #Mortgage101

Don't close your credit cards out! Did you know that if you do, you lose your entire on time payment history? You also may hurt your credit by reducing your total available credit, which in turn raises your % of outstanding debt, and if the account has been open for many years you may reduce the avg length your accounts have been open. This will also hurt your credit. #credittips #didyouknow

More often than not, when you are checking your own credit you're seeing Vantage scores, occasionally you'll see a FICO score, but not FICO mortgage scores. The difference between what you see and what I pull can be more than 100 points, depending on what credit model you're seeing. Below is a graphic going over the difference between Vantage scores and FICO scores, what you should be paying attention to and why it's necessary to let me pull your credit before home shopping. #mortgage101 #credittips

Chuck Norris held a 183-10-2 record and was a 6x world champion in full contact bare knuckle karate. On top of that, he beat heavyweight kickboxing world champion Joe Lewis 3 consecutive times and also had a brutal sparring match with undefeated kickboxing world champion, Bill Superfoot Wallace, that lasted an hour and a half. According to Wallace, they practically stalemated and "beat the crap out of each other". Chuck was trained in kickboxing/boxing by Benny The Jet Urquidez and was also trained in BJJ by the Gracies and Machados for 20 years. Even being able to submit Carlos Machado himself on occasion. Chuck had a 315 Ibs bench press at 180 lbs bodyweight and was said to have a grip back in the day that nobody could escape from because he was so strong. Even Jean Claude Van Damme said he'd never fight Chuck Norris, despite being a kickboxing world champion himself. Chuck held a 10th degree black belt in Chun Kuk Do, a 9th degree black belt in Tang Soo Do, an 8th degree black belt in Taekwondo, a 5th degree black belt in Karate, a 3rd degree black belt in Brazilian Jiu Jitsu and a black belt in Judo. Rest in peace, Chuck!

@DrClownPhD Owner's the beta. Dog ignored him completely before stealing food. My dogs would know they'd be in trouble. All I need is a look. They'd come over to make sure I'm ok first, knowing I'd give them a treat for doing so.

A decision was made... 😅